Well folks, it looks like 3rd time’s the charm. This latest edition of the Nerdy Finance Carnival has completely taken off. More work for us, more great articles for you. This week’s carnival has loads of savings tips (and we’re all about saving money here) as well as some really insightful articles on personal finance questions, like when to buy life insurance and what life skills are most profitable. Get crackin’ and enjoy!
Roger Wohlner of The Chicago Financial Planner brings us some insight on what you should be getting out of financial advice in his submitted article Financial Advice – Have it Your Way.
Jessica Bufkin at PT Money brings us Cheap Flights, Hotels, and Travel in Portland, Oregon. When you’re ready to travel to the great Northwest, give this article a look.
Emily at Evolving Personal Finance writes One-Car Lifestyle Update – Several months ago, my husband and I became a one-car family. We haven’t saved much money, but it has improved our relationship immensely!
Glen Craig at Free From Broke writes 6 Steps to Take in a Financial Emergency – What happens when you are in a financial emergency? What’s your next step? See six steps to take when you find yourself in a financial emergency.
CCS at Credit Card Smarts writes Avoid the Credit Card Minimum Payment Trap – That credit card minimum payment looks pretty alluring, doesn’t it? Pay only that much and you have more money to spend. But watch out, it’s a trap.
Corey at Steadfast Finances writes Is a Home Warranty Worth Having? – Find out if a home warranty is worth the costs. What are the benefits of a home warranty? The downsides?
Passive Income Earner at The Passive Income Earner writes When To Consider Life Insurance – When you are young and starting in the work place, life insurance is probably not something you even want to consider and you certainly don’t want to add another monthly expense to your long list. However, there are certain life milestone that should make you want to review the need for life insurance as it can play an important role in family finances.
Hank at Money Q&A writes Five Ways To Save Money At The Movie Theater This Summer – There are tons of great ways to save money at the movie theater this summer. Here are several of my favorites to save money at the movies.
Tyler at Poor Student writes Internetoholic – First off let me say that I find it very annoying when people create words like “chocoholic” or “shopaholic”. What is chocohol? Shopahol? We have people who really like chocolate or shopping but do not understand word endings.
SFB at Simple Finance Blog writes My Dirty Mortgage Qualification Secret – Despite the fact that I’m in the market for a new home, I’ve yet to secure a mortgage qualification. No, I’m not lazy – I’m just self-employed.
Shilpan at Street Smart Finance writes The Power of Incremental Actions – Do you know that Taj Mahal is not only a magnificent monument of love, but also a proof of the power of incremental action? It took 22 years and thousands of workers to build this beautiful building.
L Bee at L Bee and the Money Tree writes Ebay is your frenemy. – Like, no really. Ebay is the best and the worst. It is the friend in high school who held your hand when your first boyfriend dumped you, the sister in college who held your hair while you got sick at the frat house, the mid-twenties confidant who listened to your quarter-life crisis woes over too many margaritas …
PPlan at Provident Plan writes Is Self Employment a Viable Career Option? – Find out if self employment or running your own business is the right thing for you.
Debt Guru at Debt Free Blog writes College Debt – Why It’s a Problem – College debt is getting worse and worse over time. Find out why it’s a problem and what it could prevent you from doing.
Sustainable PF at Sustainable Personal Finance writes How to Negotiate Anything – The Negotiation! You negotiate with your friends and family all of the time over countless topics, such as what movie to watch or whose turn it is to wash the dishes. When it comes to negotiating with strangers, however, you may fall apart.Negotiation is a skill anyone can learn. Like anything else, some are better at negotiating than others.
Michael Kitces at Nerd’s Eye View writes The End Of Qualified Dividends For Small Business Owners – With the looming “fiscal cliff” at the end of 2012, dividend taxation will nearly triple from a current maximum rate of 15% to a top rate of 43.4% – which presents a unique and powerful tax planning opportunity for some small business owners!
Aloysa at My Broken Coin writes Why We Lie About Money – People tend to lie about money. I have yet to meet a person who would never say a lie, even a small lie. Some of us choose to conveniently omit truth. Some of us choose to tell so called “white lies.” Some of us blatantly make up stories to make ourselves look good. Some of us lie to avoid trouble.
Ashley at Money Talks Coaching writes The Power of Dollar Cost Averaging – Dollar cost averaging is when you decide how much money you are going to invest each month and then chunk it into the market each and every month no matter
Kyle at The Penny Hoarder writes 5 Ways to Earn & Save Money on College Costs – Your college tuition bill offers you four ways to earn money.
Amanda L Grossman at Frugal Confessions writes Ways to Take Advantage of Back to School Sales (Even if You Don’t have Kids) – I opened up my Sunday paper this past weekend and saw that back to school sales have already begun.
John at Married (with Debt) writes US Bank Internet Banking – US Bank Internet Banking is a great way to save money, time, and keep your finances organized. Click through for my personal review.
Crystal at Budgeting in the Fun Stuff writes Is Your Television Making You Poor? – Does television lead you to make poor spending decisions?
Eddie at Finance Fox writes Escape Living Paycheck to Paycheck Rut – It took me nearly three years to get a grip on my finances. There were many tough moments of anger, disappointment, and the thoughts of wanting to give up.
YFS at Your Finances Simplified writes Could You Survive At the Povery Line? – Sometime ago, very early in my blogging career. Ha, I’m writing this as if I didn’t start blogging in October of 2011. Time sure does fly..
Kevin at Thousandaire writes Skills, Not Education, Make You Money – You don’t need a college education to get a great job and make money. You just need valuable skills.
Tushar at Start Investing Money writes Do You Know Enough to Be a Successful Stock Market Investor? – For many people the obvious route to take when thinking about investing is to head for the stock market. But is this really the wisest route for everyone? There is certainly a lot of money to be made with stocks and shares.
Wayne at Young Family Finance writes Should You Buy a Pool? – Should you buy a pool? Make sure to consider the costs of a pool and whether it is teaching your children good spending habits.
Jester at The Ultimate Juggle writes Should You Finance a Business Idea? – As I have been thinking long and hard about making a living on my own, I have come a difficult decision.
Daniel at Sweating the Big Stuff writes How Often Should You Check Your Investment Accounts? – We like to be in control of our day-to-day finances and we want to keep tabs on our investments as well. But is checking constantly healthy?
Ryan at Early Retirement Investments writes A Few Ways to Save Money Around the House… – Read my ways to save a money around the house!
Maria at The Money Principle writes What you are worth and six strategies to increase your value – We are worth what people are prepared to pay for our labour. Learn how to calculate your worth and six strategies to increase it.
Luke at Learn Bonds writes The Total Return Approach – Are you investing in individual bonds, bond mutual funds or bond ETFs to stabilize your portfolio throughout retirement? You are not alone.
Jennifer Lynn at Broke-Ass Mommy writes A Candid Look At My Finances – Once every few months I peek at my finances to crunch some numbers and receive an overview of my financial well-being, and I’m tickled pink to share with you. Ready? Here’s how my July numbers are shaking out…
Jake at Moola Mind writes 5 Reasons I Don’t Invest In Mutual Funds – As mutual funds become more and more the “go-to” investment, I become more and more alarmed. I believe there are many reasons not to invest in mutual funds, so here are 5 reasons why I don’t.
Corey at 20s Finances writes How to Get a Promotion – Managing your career in this economy can be a difficult thing. With companies going out of business and people being laid off left and right (or so it seems), thinking about advancing within your organization may seem like a stretch. I know what you’re thinking: It’s one thing to keep your job and quite another to get a promotion.
Invest It Wisely at Invest It Wisely writes Are People Shooting Themselves in the Foot With Income Reports? – I’ve always had fun looking at the income reports of others, as it’s so interesting to learn how people are doing, how about you?
Jon the Saver at Free Money Wisdom writes Myths and Truths About Long Term Care – There are many myths and truths about long term care. Let’s iron things out and get the truth out about long term care and what you need to know!
ETZ25 at Entertainment Timez writes Why Establish A Dividend Money Stream For Entertainment? – This article explains why a dividend money stream for entertainment is good especially for kids and young adults, and even older adults.
Bridget at Money After Graduation writes I only get half my income this month – My employer is switching to twice-monthly paydays instead of our monthly pay schedule. When I first heard this, I was thrilled because I find a monthly pay schedule hard to budget with.
PITR at Passive Income To Retire writes Saving Up for a Rental Property – Find out how saving up a down payment for my first rental property will provide me extra security in quitting my day job.
Ted Jenkin at Your Smart Money Moves writes Is It Too Late To Begin Saving For Retirement? – You are 45 years old and it dawns on you that your college days are looking further and further in your review view mirror and you can see the exit sign for
Jen at Master the Art of Saving writes Moving in July-Escaping the Crappy Apartment – July is turning out to be a crazy month for us. The craziness is bringing change, both good and bad—and it’s really stressing me out. One of the biggest changes is that we are moving out of our apartment in July.
Barbara Friedberg at Barbara Friedberg Personal Finance writes CHEAP SUMMER VACATION TIPS – This year’s getaway is to Vegas! We are taking our daughter and mom on a four day, three night trip. The room and airfare for the four of us is $1,100.00.
Daisy at Add Vodka writes Somebody Stole My Wallet – I was at the gym last Wednesday night when I should have been in class.
From KrantCents comes The 3 X’s of Success – The 3 X’s of Success is the twenty-fourth in a series of articles to help you reach your goal.
From Earth and Money comes Community Bonds – A Primer – Community bonds are just what they sound like – bonds issued by local, community organizations (either a non-profit or a co-operative) to local, community investors. The investment funds provide the organization with either money to pay down existing loans that they may have, or to provide start-up capital for a potential project, in exchange for a fixed rate of return.
J.P. at Novel Investor writes How To Avoid Securities Fraud – People fall prey to investment scams, Ponzi schemes, pyramid schemes, and IPO scams all the time. Here are the best ways to avoid it.
Echo at Boomer & Echo writes 35 Ways To Save Money – We all know there are plenty of ways to save money, but some things are so obvious you can classify them as common sense rather than smart spending.
My Money Design gives us How to Read and Evaluate Basic Stock Metrics – Have you ever looked at a stock online and wondered what all the metrics represent? Which ones are good and what is their significance? This exercise walks through a stock page on CNN Money and explains the importance of each of the metrics to you.
The Archivist at The Market Archive writes Using Covered Calls to Generate Regular Returns – If you have your wealth in very safe stocks that appreciate exceptionally slowly, then writing covered calls can be a great way to skim some profit while you wait.
Jeremy at Modest Money writes How Airline Credit Cards Cost You More – If you are going to be using a credit card to make purchases, itï¿½s a no-brainer that youï¿½ll want to earn some kind of reward in return. For many people, the obvious choice is an airline miles credit card. Unfortunately that credit card choice may actually be costing them more money to use.
And finally, Evan at My Journey to Millions writes July 2012 Dividend Investment Portfolio Watch List Update – Every 60 days or so I like to update the watch list for my Dividend Investment Portfolio and since my last update was in April of 2012 I knew I had to get on it! I create these posts to force push myself to create a watch list of dividend investment stocks based primarily off those in the Dividend Champion List.
This concludes our third Nerdy Finance Carnival. Keeping spreading the word and thanks for submitting!