Making Sense of Cents: Carnival of Retirement

Welcome to this week?s Carnival of Retirement! It's a little late due to technical difficulties, sorry about that. If you'd like to be included next time, submit your post here. Below are posts all about retirement of course.

Michael Kitces @ Nerd's Eye View writes Research Reveals Cash Reserve Strategies Don't Work... Unless You're A Good Market Timer? - Cash reserve strategies that hold aside several years of spending to avoid liquidations during bear markets are a popular way to manage withdrawals for retirees. Yet recent research in the Journal of Financial Planning reveals that the strategy actually results in more harm than good; while in some scenarios the cash reserves effectively allow the retiree to "time" the market by avoiding an untimely liquidation, more often the retiree simply ends out with less money!

Dr. Dean @ The Millionaire Nurse Blog writes When Is a Cough Not Just a Cough? - Are you interested in preventing a deadly disease with a mere vaccine? This is one of those great returns on a small investment.

harry campbell @ Your Personal Finance Pro writes 10 Apps That Help You Save Money - When you?re not playing Angry Birds or Draw Something, your smartphone can actually be used to your advantage. Most of us take our phones for granted but there was a day when you had to print out directions from Mapquest or even look them up in a book. Now, all I have to do is enter the address or business name into my phone and it can instantaneously provide me three different routes. My iPhone 4 has definitely changed the way I spend and save money, so I?ve compiled a list of apps that

Theresa Torres @ CreditDonkey.com Tips writes Do Men and Women Use their Credit Cards Differently? - According to an online consumer survey we conducted, there are basic differences in how men and women use their credit cards which is illustrated in the following infographics.

Jason @ Work Save Live writes How to Invest in Consumer Debt - How to Invest in Consumer Debt Many investors are familiar with investing in corporate and government debt through the purchase of bonds. Bonds are often attractive because they're considered one of the safer types of investments. This is especially true of U.S. Treasury bonds which are guaranteed by the U.S. government.

101 Centavos @ 101 Centavos writes What You Know Ain't So - Or rather, what you know may not necessarily be so. Conventional wisdom has a conventional way of being frequently turned on its head. Myths get bust...

Suba @ Broke Professionals writes Professional Profiles: Sarah, the International Grad Student - My best friend earned admission to graduate school across the pond. Turns out, she's not the only American flocking to Britain for business school.

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

Luke @ Learn Bonds writes Understanding Bond Mutual Fund Fees - An explanation of Bond Mutual Fund fees and expenses and how to minimize the costs associated with investing in all types of mutual funds.

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.

Evan @ My Journey to Millions writes An Estate Distribution Schedule that I Just Don't Understand - Today, I was reminded of an Estate Distribution schedule not often found in Last Will and Testaments or Revocable Trusts, but enough to make me question why it would ever be included.

Corey @ 20s Finances writes How to Prosper - Hopefully, you sat down and created your spending plan that I outlined in the spending plan post last week. It doesn't take a lot of work, but will go a long ways to helping you prosper. Let's focus on a bigger picture now. Follow these three rules and you will be on your way to financial success.

Penny Thots @ Penny Thots writes 8 Ways to Survive a Volatile Stock Market - In order to reach your financial goals, you need stop yourself from giving in to your emotions and stay invested for the long term. Here are eight tips to help.

Crystal @ Budgeting in the Fun Stuff writes If You Can Read, You Can Cook - Spice Review - When Edward over at If You Can Read, You Can Cook started a spice line that could replace McCormick packets for less money, I just had to try it out!

Jason @ Live Real, Now writes You're Gonna Die, Part Two - Hopefully, you?ll have lived your life is such a way that the event won?t be easy for your heirs, but you can do a bit to make the process less painful for them. Do you want them gutting your house trying to find out if you have a will, or does the idea of a treasure hunt for a life insurance policy make you smile?

Jen @ Master the Art of Saving writes Spending Money: iWant vs. iNeed - There were so many things I could use the new Ipad for, so I kept trying to convince myself that I needed it. It could help me get closer to my goal of.......

Tushar @ Start Investing Money writes Investment Club Strategies For 2012 - Ever heard of an investment club? If you're not in the know, an investment club is simply a modestly sized group of private investors, and it's generally made up of a set of friends, church members, a few family members, or neighbors.

Hank @ Money Q&A writes Killer Stock Characteristic #3 - Dividend Yield - I love stocks that give dividends to investors. I often prefer to buy stocks that offer a dividend yield as opposed to regular stock.

PITR @ Passive Income To Retire writes Pros and Cons for Full-Time Blogging - Have you thought about blogging full-time? Make sure to consider both the pros and cons before you make the leap of faith.

Jeremy Waller @ Personal Finance Whiz writes My Search for Residual Income - Over the last 5 years I have constantly had a number of side projects to earn an extra income. In most cases it wasn't much, maybe a couple hundred per month. There have been a few times I did really well and brought in over $1,000 of extra income.

JP @ My Family Finances writes Afraid of College? The Two Biggest Reasons Why Americans Don't Get a Four-Year Degree - Why are so many Americans afraid to go to college? The St. Louis Fed presents two statistics that make going to college very scary.

Steve @ Brip Blap writes 10 Quotes on Careers - Consider these 10 famous quotes on careers, and my take on each one.

Passive Income Earner @ The Passive Income Earner writes Discount Broker Overview for Dividend Investors - It?s always a pleasure to be featured in the Globe & Mail by Rob Carrick and this week he highlighted my RBC Direct Investing Discount Broker review. Since I have been investing, I have used 5 different discount brokers (not so discounted back in the day though) and it?s a competitive market out there.

Daniel @ Sweating the Big Stuff writes How Do You Budget Money for Emergencies? - My fiancee's hairdry broke the other day. With prices of new ones up to $200, I'm glad I have an emergency fund!

Miss T. @ Prairie Eco Thrifter writes The Best Investments for the Over 40s to Start Now - One misconception that many people have is that there simply isn?t enough time to start investing when they are already 40 or 50 years old. While it is certainly true that starting in your 20s will yield the biggest retirement nest egg, it?s also true that, as an over 40 worker, you still have anywhere between 10 and 30 years still left in the workforce. Don?t let your age stop you from making a start in investing now.

Peter @ Bible Money Matters writes Are You Behaving Like a Future Millionaire, or Aiming to End Up Broke? - Are you behaving like a future millionaire, and would your habits and behaviors line up nicely with high net worth individuals? Or will you end up broke?

Peter @ Bible Money Matters writes Why You Should Know the Operating Expenses of Your Employer-Based 401(k) Plan - As it turns out, the operating expenses of your 401(k) funds are very relevant in the sense that they can eat up thousands of dollars over the years. In other words, they?re an important factor in determining how to allocate your portfolio.

Amanda L Grossman @ Frugal Confessions writes Why have Appliance Purchases Accelerated? - When discussing our recent washer purchase with my grandmother, something occurred to me.

Darrow Kirkpatrick @ Can I Retire Yet? writes Three Wildcards for Boomer Retirement - The first wave of the post-war baby boom generation reached age 65 last year, and finally started coming to grips with retirement realities. The news is difficult. But it is always possible that things could turn out better than expected. Parts of the new healthcare law could actually improve coverage and lower costs. New research may yield a hybrid retirement income model that will let us maximize our spending, while enjoying security and peace of mind. Inflation could continue, as it has for m

Eddie @ Finance Fox writes The Found Money Dilemma - What Would You Do? - Good Samaritans come in all shapes and sizes, but what would you do if you found cash on the street or in the elevator. Share your finding story.

Aloysa @ My Broken Coin writes A Rebel in Blue Jeans - Blue Jeans were unique in Russia, and to have a pair was considered rebellious. Read my story!

Invest It Wisely @ Invest It Wisely writes 5 Ways to Help Your Kids With Their Finances - This is a post by David Bakke, father of a young son, and contributor for Money Crashers Personal Finance, a blog focused on sharing tips on money management,

Don @ MoneySmartGuides writes Mainstream News Finally Joins The Investment Fee Bandwagon - Vanguard has been preaching about the effect of fees on investors for years. I?ve wrote about the effect fees have on your investments, and even on the new 401(k) regulations and how high those fees are.

Ryan @ Early Retirement Investments writes 7 Savings Steps to Take Before Retirement - It may seem far off now, but retirement has a way of sneaking up on hard-working consumers. And the earlier you begin planning for your golden years, the more money you'll have saved up.

Ashley @ Money Talks Coaching writes Happy Birthday to Me - I saw an article a while back that I thought was an amazingly scary and wonderfully inspiring way to celebrate a birthday.

Sustainable PF @ Sustainable Personal Finance writes Staycation: Better for Your Wallet and the Environment - By staying home during your time off you save money and the planet.

SFB @ Simple Finance Blog writes Battle of the Bulk: Costco, Sam's Club, & BJ's - I've broken down the membership costs of some of America's biggest bulk retailers for you.

Jon the Saver @ Free Money Wisdom writes 8 Surprising Ways People Waste their Money - Here are 8 surprising ways people waste their money and it can easily be fixed with proper money management and educating yourself!

ETZ25 @ Entertainment Timez writes Hiking - Hiking is a lot of fun. You should try it. This tells you about my hike.

Brent Pittman @ On Target Coaching writes Can You Be a Secret Millionaire? - I just found the show The Secret Millionaire. It inspired me to strive for wealth in order to give it away. What role does giving play in your life?

Jeff Rose @ Good Financial Cents writes What You Need to Know Before Buying an Equity Indexed Annuity - With this post I wanted to share some of the basics of how an equity indexed annuity works and to see if it might be a good investment for you. I also have a loyal Good Financial Cents reader who is a big fan of equity indexed annuities, and I?ve asked him to share his reasoning on why he purchased them for his own retirement planning (he?ll be sharing in the comments).

Kevin @ Thousandaire writes Roth IRA Contribution Limits for Married People - When one spouse makes all the taxable income, both spouses are allowed to fund their Roth IRAs if they file a joint return.

krantcents @ KrantCents writes The 3 S's of Success - The 3 S's of Success is the nineteenth in a series of articles to help you reach your goal.

Jester @ The Ultimate Juggle writes Myrtle Beach - The Perfect Affordable Family Vacation - The following are some of the reasons that my family like to vacation down in Myrtle Beach for our primary family vacation

Investor Junkie @ Investor Junkie writes Does Wealth Affect Your Investing Strategy? - Should conservatism always be tied to retirement dates, or is wealth a factor too?

PPlan @ Provident Plan writes Are You Tied to Your Possessions? Is that okay? - Find out why your commitment to your possessions might be a good thing and why your stuff is not inherently bad.

A Blinkin @ Funancials writes How To Get A Job and Girlfriend - Have you ever been without a job? I have heard that, aside from losing a child, being unemployed is one of toughest experiences to go through. If you have been fortunate enough to have not experienced this anguish, lets find another angle.

Daisy @ Add Vodka writes Young People & Saving For Retirement - If you are still a relatively young person, or if you are just starting out into the working world, it is likely that you have given little or no thought to retirement planning.

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.

YFS @ Your Finances Simplified writes 4 Ways To Stop Wasting Your Paycheck on Your Commute - Everyone has done the following calculation at least once: If my commute is 20 miles round trip and I work 5 days per week, how many days am I working just to get to and from work? The answer here is often frightening.

SB @ One Cent at a Time writes 101 Ways to earn extra money from side hustle - An extensive list of 101 ways to earn extra money on the side by doing small hustle. See what fits for you. This post is to give you the possibilities, it's up to you to implement.

SB @ Finance Product Reviews writes Citi Thank you Prestige Card Review ? Do you Need it? - Citi bank thank you prestige card, one of the elitist cards out there. Read more to find out who should apply for this card.

SB @ Finance Product Reviews writes Citi Thank you Prestige Card Review ? Do you Need it? - Citi bank thank you prestige card, one of the elitist cards out there. Read more to find out who should apply for this card.

MR @ Money Reasons writes Striving for Income Diversification - Why have one income stream when you can have many? This is my attempt at creating multiple income streams.

Wayne @ Young Family Finance writes 5 Popular Unnecessary Expenses - Find out more about wants vs. needs as I list five common unnecessary expenses of the average family. Do you need to but that?

Kraig @ Young, Cheap Living writes How to Handle Stress at Work - I had a stressful day at work and to get through it, I've learned to go through 4 steps that help me out of messes like this one: relax, think positively, formulate a winning plan and execute on it.

Sean @ One Smart Dollar writes How to Eat Right on a Budget - Most people think eating right is expensive. I want to show you that it's possible to eat healthy and stay within your budget.

Paul Vachon @ The Frugal Toad writes How to Save Money on Health Care - Health care continues to get more and more expensive each year. And it is one expense that everyone incurs at some point in their life. As such, it is important that you understand the drivers of health care costs, and what you can do as an individual to save money on all costs associated with your health.

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