Juggling Family & Career

Carnival of Money Reasons Exciting New Year Edition

Hi Don here from Money Reasons, and I’m your carnival host today!

I’m very excited with the start of the new year!!!

Why?  Because all indications point to a decent gains in the stock market for the start of this new year!  At first, many were saying that a recession might be likely, but most of the company earning reports coming out are positive, so scratch a recession and let the good times roll!

We’ll see, how know what can happen, and the year is still very young!


Okay, on with this MoneyPros Carnival, but first if you’d like to host a MoneyPros session, just go to submissions page at Blogger Carnivals, pick the carnival you want to host for, and then if there are any “OPEN” buttons, click to host a session.  Then just fill out the prompts and viola, you are hosting a carnival…

Let’s get on with it!

Roger Wohlner @ The Chicago Financial Planner writes 3 Financial Products to Consider Avoiding – It’s a New Year and many of us are looking to start the New Year out on the right foot financially. Couple this with the upcoming tax season and this is prime time for the financial product sales types. Before buying ANY financial product make sure that this product is right for you in terms of your overall financial situation. Financial products are tools and just like your projects around the house you should use the right tool for the job and not the tool that the financial rep wants to

Mike @ The Financial Blogger writes Is it Worth Trading Time For Money? – Have you been giving all of your time away for money?

Lance @ Money Life and More writes How Federal Tax Rates Work – Not What You May Think – Have you ever heard people complain that “The government taxes my bonus checks at a higher rate, even more than they take out of my regular paycheck!”? While more federal tax is withheld, you aren’t actually taxed anymore on this income. Intrigued or confused? Read on to learn more about why these commonly believed statements are FALSE!

Mike @ Experiglot writes Where Are You Keeping Your Money? – A look at where you can save your money.

Kurt Fischer @ Money Counselor writes Free Tax Prep Help – If you’re low or moderate income or age 60 or older, you’re likely eligible to take advantage of free computers and tax preparation software to prepare your return at locations staffed by IRS-certified volunteers across the country. And if you’re not able to prepare your simple return, the volunteers will help with preparation and filing too.

Dividend Growth Investor @ Dividend Growth Investor writes Spring Cleaning My Dividend Portfolio – In a long term dividend portfolio, I expect that there will be lots of change occurring over time in both company’s business prospects and portfolio composition triggered by the business environment changes. As a result even if you picked the best stock in the world at the best price, you might still need to consider selling for one reason or another.

James Petzke @ This Is Common Cents writes A Nice Car Won’t Get You Promoted – Having a nice car won’t get promoted any more than owning a Bowflex will make you ripped.

Robert @ The College Investor writes Beware of Black Swan Events – Financial institutions don’t usually take Black Swan Events into consideration in their risk models, and so they aren’t prepared to handle them – which we saw in the financial crisis of 2007. As such, these events can happen again, and here are some of my thoughts on what you need to be aware of.

Robert @ My Multiple Incomes writes When Should I Use My Credit Card? – ‘What kinds of purchases should I make with my credit card?’ It’s kind of a loaded question, but not one without an answer.

Glen Craig @ Free From Broke writes What is COBRA Continuation Health Insurance Coverage – How Does It Work? – Ever leave a job? Then you’ve heard of COBRA. But many aren’t sure what COBRA is or how it works. See more about COBRA continuation health insurance coverage.

Robert @ Entrepreneurship Life writes Dealing with Trouble Vendors – Right now, I am dealing with a difficult vendor and have to work hard to ensure an equitable result.

Robert @ Kids Ain’t Cheap writes Saving on Prom Expenses – Does Prom Have to Be Expensive?

krantcents @ KrantCents writes I Will Never Retire! – That’s right, I will never retire! Although I will retire from teaching in five (5) years, I know I will never just kick back and play golf, play cards or sit around. I saw firsthand how my mother worked part time into her mid eighties.

James @ Free in Ten Years writes How to calculate your net worth, and why you should – How to calculate your net worth and your early retirement net worth. Download my spreadsheet to help you get started.

Suba @ Broke Professionals writes Professional Profiles: Afif, the Entrepreneur – Although he began his career in the legal field, Afif Ghannoum turned entrepreneur when he went into business with his dad, creating a line of oral antiseptics.

John @ WILD about Finance writes How to Keep Heat in the Home and Reduce your Bills this Winter – With the winter really taking hold and snow falling on a daily basis, I thought it’d be a good idea to share some ways to save on your heating bills, and keep the warmth in!

TDB @ Tax Deduction Blog writes The Earned Income Credit : A Gift from the Government – Here is how you can see if you are eligible and the process to claim the credit The Earned Income Tax Credit (EITC) or the Earned Income Credit (EIC)

Justin @ The Family Finances writes What is an Offshore Investment – When investing, not many people think about offshore investments. However, they can actually be a valuable piece to a diversified investment portfolio.

Ted Jenkin @ Your Smart Money Moves writes Four Steps On How To Budget Your Next Vacation – I have a favorite client of mine who retired a few years ago and is in the midst of publishing his own travel book.

Don @ MoneySmartGuides writes The More You Trade, The Less You Earn – If you are a regular reader to my blog, I recommend a buy and hold strategy when it comes to investing. You should invest in low cost, high quality mutual funds and avoid selling until you need the money.

Passive Income Earner @ The Passive Income Earner writes Are Bonds as Safe as they Seem? – Bonds have a place in your portfolio, just make sure you get the right bonds.

Mike @ Personal Finance Journey writes Parting with Your Debt for Good – Smart simple and easy to implement ideas on paying off your debt and keeping your household debt to a minimum.

ETZ25 @ Entertainment Timez writes AIG Update – Time for an AIG update! While the stock hasn’t started to rise yet like we had hoped, it’s still has a lot of potential.

Jon the Saver @ Free Money Wisdom writes Buying and Selling Shares: The Basics – Buying and selling shares should not be the most complicated thing in the world. In fact, it should be relatively easy to perform and make money!

eemusings @ NZ Muse writes Internships: the good, bad, and ugly – Views on internships from both sides of the fence.

harry campbell @ Your PF Pro writes Be Wary of Frontloading Your 401(k) Contribution and Losing Company Match – January is a great time to re-assess your retirement accounts. It’s important to review your 401k contribution and at least consider re-balancing your accounts at the beginning of every year. You’ve probably made a couple New Year’s resolutions so why not add this one to your list? 2013 will be the first official year I’m able to max out my 401k since last year I received a raise about halfway through the year so I just missed out on contributing the full $17,000.

Tushar @ Earn More and Save writes Why I Dig Personal Capital – Reasons I love Personal Capital – a new breed of financial management software that’s so intuitive, I swear it’s looking over my shoulder.

Eddie @ Finance Fox writes Doing Business With Friends – Could It Work? – Doing business with friends can sometimes have negative results despite our best intentions. Even with our best hopes, wants and intentions – results can be negative.

Amanda L Grossman @ Frugal Confessions writes Savings Accounts for Us Lower and Middling Sorts – Thomas Eddy and other businessmen and economists of his time believed that they had a cure to the alarming poverty rate levels in post-War of 1812 New York

Ryan @ Early Retirement Investments writes Can a Debt Consolidation Loan Help You? – Ever look into a debt consolidation loan? Perhaps it’s what you need to manage and get a grip on your debt.

Kyle @ The Penny Hoarder writes 5 Weird Ways to Save Money at Home – With home-related expenses on the rise, it’s not surprising that people are looking for creative ways to trim their expenses. Did you know you can do so in your very own home or neighborhood? With a bit of creativity and extra effort, you can easily trim your household expenses.

PPlan @ Provident Plan writes How to Get the Best Price on a Car – Find out how to get the best price on a car from an insider’s perspective.

Michelle @ The Shop My Closet Project writes Spending Hangover-A look at what I spent last week – I am slowly opening up to the idea of sharing some numbers. Today I am going to share some of my spending from the past week. Once a month I’m will share a random week us it as a snapshot of what I’m doing with my money.

MMD @ My Money Design writes P2P Investing Denied! What Should be My Next Passive Income Ambition? – The tires on my P2P investing efforts quickly went flat last week when I discovered some very important information – Michigan doesn’t allow it!

CAPI @ Creating a Passive Income writes Mystery Shopping Revealed: It’s Passive Income – Find out how you can make passive income from being a mystery shopper. It may be the perfect thing for you if you like to shop.

Marvin @ Brick By Brick Investing writes People Are Funny About Money – Addresses the harsh reality that we do not talk about money as much as we should.

Invest It Wisely @ Invest It Wisely writes 3 Ways to Impress Your Interviewer to Bag the Job – Three steps among the most fundamental that would witness a job seeker not only bag the job but also gain an impressive reputation with their employers.

Aloysa @ My Broken Coin writes Ten Things You Gain When You Stop Being Cheap – Read my list of ten things that you gain when you stop being cheap

Maria @ The Money Principle writes January – Time To Get Financially Fit – January is a time for re-newal; this includes dealing with your debts and becoming financially fit. Don’t panic, just act!

Corey @ 20s Finances writes How Much Money Do You Waste on Food? – Americans spend lots of money on food, yet a high percentage goes to waste. Find out how you can reduce spending by eliminated waste.

Your Boss @ What Your Boss Really Thinks writes Ask Your Boss: Is It Okay To Socialize A Lot With Co-Workers? – “Is it okay to socialize a lot with co-workers after work? What about during work hours?” Good questions! I, personally, am not a big fan of happy hours with co-workers for two reasons: When you share a drink or two, you relax, and you feel that you are more friends than co-workers.

Hank @ Money Q&A writes The Rainy Day Account You Need To Have – In being prepared for emergencies, the top of the list is to have access to immediate cash to meet your obligations in the short term in a rainy day account.

A Blinkin @ Funancials writes The United States Will Absolutely Default – The Debt Ceiling debacle has posed a question to Americans: Will the United States, for the first time ever, default on it’s debt? The answer is absolutely, yes. The debt has grown too high for us to pay. We will not default in the traditional sense, but we will devalue the dollar so the end result is the same. The United States will absolutely default.

John @ Fearless Men writes Most Common Money Lies We Tell Ourselves – We’re bombarded daily with Money Myths that get us thinking that financial wisdom doesn’t apply to us. Maybe the other guy, but not me. But then we’re in debt, part of a poor economy and a recession. The simple rule is we need to manage our finances better. Whether it’s living frugally, budgeting or saving.

Jennifer Lynn @ Broke-Ass Mommy writes Being sickies gives me the perfect excuse to shop. – Sometimes when we are sick, it’s better to just enjoy life and do what we like.

Cat Alford @ Budget Blonde writes The Truth About Side Hustling – In this post, I highlight the truth about having a side hustle and give real life examples of my 1.5 years as a freelance writer. After reading this, you’ll know exactly what it takes to have a successful side career and a kick in the pants to jumpstart your own.

Daisy @ Add Vodka writes Job Hopping & Generational Differences in Opinions About Careers – This has been an interesting topic of discussion lately, and I’ve taken it to my colleagues, too. The generational differences are obvious.

Crystal @ Budgeting in the Fun Stuff writes Prioritization for the Win! Now to Save Like Hell… – Mr. BFS and I finally sat down last weekend and prioritized those New Year’s resolutions that I keep mentioning.

Tushar @ Finance TUBE writes Making Your Financial Goals a Reality in 4 Steps – Today we will be talking about Making Your Financial Goals a Reality in 4 Steps. With the New Year here you probably have a list of resolutions and financial goals you would like to accomplish this year.

Jason @ Work Save Live writes How to Get Your Family On Board When Paying Off Debt – For some families embarking on their debt payoff journey, your family may be completely on board. However, the majority of you may be dealing with a spouse or kids who are reluctant to change their lifestyle, and honestly, who can blame them?

Luke @ Learn Bonds writes The Yield Curve: What it is and How it Works – In this article we give the definition of the yield curve, the different types of yield curves, and how investors use this analysis in their investment decisions.

Roger the Amateur Financier @ The Amateur Financier writes Five Steps to Meeting Your Goals – Ten days ago, the new year started, with many fireworks, much drinking, and as always, plenty of resolutions.

Corey @ Steadfast Finances writes 5 Ways to Manage Marriage and Money – Getting married affects your finances. Learn how to manage both marriage and money.

Daniel @ Sweating the Big Stuff writes How Did You Get Over The Hump In Your First Job? – For my first job, I had to get up at 6:30am and stare at a computer for 8 hours a day. Physically and mentally, it look a lot of getting used to.

MR @ Money Reasons writes Why I Bought Some Facebook Shares – This is the reason I bought some shares of Facebook’s stock even though I no longer use Facebook much myself.

SFB @ Simple Finance Blog writes 4 Ways To Save for Your Kid to Go to College – When it comes to saving money for your child’s college education, there are many, many ways to save.Here are four popular ways to save for your kids education.

Miss T. @ Prairie Eco Thrifter writes 4 Crazy Hard Things to Check On When Buying a Home – We’ve only bought 4 pieces of real estate in our lives, including two homes. We lived in the first home 10 years and are going on 23 years in our current home. Here are four things I wish we had known how to check on before we bought.

Joe @ Midlife Finance writes Car Buying: The Basics – What kind of car is in your future? It could be a reliable clunker like my Duster, or a classier vehicle that takes your boss to the airport or the kids to the soccer game with equal aplomb.

Tushar @ Start Investing Money writes How the Commodities Market is Standardized – Most people have heard of the commodities market. But there is a big difference between knowing about it and understanding how it works. Commodities are so called raw products.

Ashley @ Money Talks Coaching writes Funding Your Business – I love small business! Entrepreneurship is the heart and soul of this country. Someone with a dream and the drive to go out make it happen.

Evan @ My Journey to Millions writes I Bet Against a Stock for the First Time – What Does Buying a Put Mean? – Before yesterday, I have never actually taken a position where I profited when a stock would decrease in price. The reason was simply because I lacked the understanding and education as to how I would actually be able to do it short of shorting a company’s stock. That is when I learned of another, much less riskier way which is buying in the money puts.

Peter @ Bible Money Matters writes Homeowner Tax Breaks, Deductions, and Credits Reinstated in the American Taxpayer Relief Act of 2012 – A couple of weeks ago now The American Taxpayer Relief Act of 2012 was passed and the fiscal cliff was averted. There is some good news in the bill for homeowners, however. A couple of tax breaks for homeowners were extended or reinstated with passage of the bill.

Edgar @ Degrees and Debt writes Credit Card Balance Transfers – Benefits of balance transfer offers for credit cards

Jason @ Live Real Now writes Why Do You Need a Trailer? – We found a 4×8 utility trailer for $300. It came home with us. The first thing I heard was “Why do you need a trailer?” Now, we could have made do with delivery fees or rental trucks, but that seemed silly to me

Kim @ Eyes on the Dollar writes Save Money on Groceries-How to Use a Value Card – This post shares tips and tricks to get the most out of your store value card to save money on groceries.

Rod @ ROD Blog writes Lending Club IRA Review – Peer to peer lending is becoming a popular investment. Is Lending Club IRA Is Right for You? What are the advantages and disadvantages?

Wealth Effect Blogger @ Your Wealth Effect writes Want to be Rich, Don’t be Fat – Thoughts on a Wall Street Journal article titled “Want to be CEO? What’s Your BMI?”

Jules Wilson @ Faithful With a Few writes Discovering the Right Business for You – With the economy showing little hopes of improving greatly, more people are looking to start their own business. Here’s how to discover the right one for you!

Investor Junkie @ Investor Junkie writes Why You Should Keep Business and Personal Separate – It’s true that running your business as a sole proprietorship can be really easy in terms of paperwork. However, this business organization doesn’t adequately separate your business activities from your personal activities. While this might not seem like such a big deal, the reality is that it can be an issue if your business is sued.

Scott Skyles @ Mortgage1a.com writes New Mortgage Regulations May Prove to be Beneficial to Smaller Banks – As soon as next year, many prospective home buyers in need of a mortgage loan may be heading to the local credit union or community bank for assistance instead of relying on a larger bank.

John S @ Frugal Rules writes Reader Question: Should I Invest in Mutual Funds or ETFs? – There are various similarities as well as differences between mutual funds and etfs. If you do some simple homework you can determine which funds are better for you while also keeping down the costs associated with investing.

Lazy Man @ Lazy Man and Money writes Unemployment Adventures: Shall I Ditch This or Keep It? – I’ve cut and cut but I still can’t make ends meet on meager and rapidly-diminishing unemployment, or on the few part-time filler jobs out there. My small savings has been decimated. Scaling back doesn’t mean I have to live in a hovel and eat bread and water. But it does require making adjustments in the household budget.

Mike @ Modest Money writes The Fastest Way to Get Started Flipping Houses – I meet many people who want to learn how to get started flipping houses. Many of them seem to want to do their twelfth house flip before they have even done their first one.

Girl Meets Debt @ Girl Meets Debt writes Saving for Retirement Early: I Get It Now! – It is a given that most people know you are supposed to start saving for retirement early. The ambiguous part is how early?

Jon @ Novel Investor writes Tax Preparation Checklist – If you do your taxes or someone does them for you, here’s a tax preparation checklist to help organize everything and finish your tax return quickly.

Grand Per Month @ Grand Per Month writes Do Some Marketing Research Before You Try to Make a Grand Per Month – Here are some great books to help you learn to market your business and gain more customers:

Little House @ Little House in the Valley writes How to Finance Your Self-Build Home – If you have decided to take the plunge and build your dream home the first thing you need to do is work out how you’re going to pay for it. Financing a self-build isn’t as simple as applying for a regular mortgage.

Will @ Card Guys Blog writes Do You Have a Spending Plan? 3 Budgeting Strategies to Try – If you want to take back control of your finances, you need to have some sort of budgeting strategy. One type of strategy doesn’t work for everyone, though. Here are 3 different budgeting strategies you can try.

Steve @ 2012 Taxes writes Features Of The Federal Free TurboTax – The free edition provides an easy way of getting free tax preparation, by searching for the tax credits that one is eligible for to get the highest possible refund amount.

KK @ Student Debt Survivor writes Personal Finance is Personal-Butt Out – If you share details about your personal finance situation with your friends and peers should you expect that they offer advice? Are you annoyed when they do?

Glen Craig @ Free From Broke writes The Best 0% Balance Transfer Credit Cards 2013 – Pay off your credit card debt faster with the a 0% balance transfer credit card. Here are the best 0% balance transfer credit cards that will help you pay down your principal.

Mandy @ Money Master Mom writes How to complete a successful spending diet – Need to curb your spending? Here are 5 tips to help you cut back.

Jason Hull @ Hull Financial Planning writes Should You Invest In a Crowdfunded Business? – With the passage of the JOBS Act opening up the possibility for ordinary investors to invest in private equity ventures, we examine if you should invest in a crowdfunded business.

Grayson @ Debt Roundup writes Overspending in America – The Sad Truth – We all know that America has a spending problem, but this infographic puts it all into perspective and it is truly sad.

Philip @ PT Money Personal Finance writes The JOBS Act and Crowdfunding: New Investment Opportunities for People Like You and Me – What is crowdfunding and how could that change the way you invest in the very near future?

Jacob @ My Personal Finance Journey @ My Personal Finance Journey writes The Power of Negotiation and Options in Student Loan Repayment – Lessons from a Reader’s Experience – This post discusses a student loan repayment situation faced by a reader that recently contacted My Personal Finance Journey asking about any options they may have overlooked prior to their discussion with a collection agency handling their loans. The post not only sheds light onto how to negotiate your student loan repayment, but also exposes other possible financial issues that may not have been previously recognized by the loan borrower, thus making their repayment even more difficult.

Mr.CBB @ Canadian Budget Binder writes Why Has My House Not Sold? – Selling a house take more than putting a price on a home. Whether you are selling to move up, make money or downsize there are many things to consider to get it sold, and fast.

Emily @ Evolving Personal Finance writes Frugal Practices I’ve Grown to Love – I list six practices that save us money that I wasn’t crazy about to begin with, but now wouldn’t give up.

Bryan @ BryanMaltier.com writes How To Help A Friend In Financial Trouble – We all want to be nice and caring individuals, especially with our friends and family. Unfortunately, what happens when you have a friend in financial trouble? Mixing personal relationships and money can be tricky. Learn more about things to consider before helping a friend in financial trouble.

Rich Avery @ Money Wise Pastor writes How to Avoid New Credit Card Checkout Fees & Surcharges – U.S. retailers can now charge credit card checkout fees (surcharges) to anyone who pays with a credit card. Here’s what you need to know about the new credit card checkout fees, and how to avoid them.

And to conclude, all I want to say is “Go Stock Market Go”!




Update: D@mn…  I meant to title this carnival with the “Carnival of Money Pros”, but I’ve decided to create a new Carnival called the “Carnival of Money Reasons”, and apparently I slipped and use Money Reasons instead of Money Pros.  Opps!  It was the last thing on my mind…

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