Carnival of Personal Finance #383 – Capitol City Fall Edition!


Welcome to the 383rd edition of the Carnival of Personal Finance -Capitol city Fall Edition!  Like many of you, DC is experiencing the lovely turn in weather as Fall approaches.  The parks and trails have an even better feel to them now because the weather cooler and many residents get into the spirit of Halloween by decorating their homes with ghouls, pumpkins and other scary surprises!

Editor’s Picks

Mike from The Financial Blogger presents How Do You Go Back to Work When Being Self-Employed Flops?, and says, “Nobody ever discusses the reverse. The idea of going back to work.”

Rich Avery from Money Wise Pastor presents Will Supreme Court Take Away the Right to Sell Your Stuff?, and says, “The right to sell your own stuff on eBay, Craigslist, at pawn shops, and garage sales is as American as apple pie, right? Not so fast! This year the U.S. Supreme Court will decide whether you really do have a right to sell the stuff you own.”

Philip from PT Money Personal Finance presents The Backdoor to Making a Roth IRA Contribution, and says, “Get around the Roth IRA income limitations through Roth IRA conversions.”

Glen Craig from Free From Broke presents Should I Use the Home Office Tax Deduction for My Home Business?, and says, “Using the home office tax deduction for your home business sounds like a no-brainer, right? But make sure you understand what is involved and if it’s worth it.

Jeff Rose from Good Financial Cents presents  Why I Gave Up a $198,000 Check and I’m Much Happier Without It, and says, “I‘ve never won the lotto. I once found a $20 bill in a Target dressing room and thought I was on top of the world. That’s about the biggest cash prize that I can brag about. That is until a certain event changed my life…….”

The Best Of The Rest

Jeff Root from Root Financial Life Insurance Blog presents Securing Life Insurance with a DUI, and says, “Many consumers with DUI’s on their record are getting declined for life insurance. You just need to use the right company.”

Danielle from Saving Without A Budget presents How to Better Manage Your Debt, and says, “Helpful tips and advice for managing debt.”

Matt from Budget SNOB presents 5 Steps to Creating a More Efficient Budget, and says, “Get control and make a budget.”

D4L from Dividend Growth Stocks presents Defense Stocks May Not Be Defensive Stocks, and says, “As a result of the 2011 Budget Control Act, which will take effect in January 2013, the U.S. Department of Defense must reduce spending by $450 billion over 10 years, and this number could expanded to more than $950 billion. In addition, product demand from defense manufacturers will likely worsen as the U.S. continues to withdraw troops from Afghanistan. Below are several defense stocks to consider and how thy might be affected in the future…”

Young from Young and Thrifty presents Alternatives and Simulants To Diamond Engagement Rings, and says, “While we looked at how to cut diamond ring prices to the bare bone using earlier in the week, there are many other options available to people who don’t want to take part in the crazy world of paying large amounts of money for a really hard rock. “

Evan from My Journey to Millions presents The 401(k) Does Not Need to Be Reformed, Replaced, or Overhauled, and says, “The 401(k) doesn’t need to be reformed, replaced or overhauled people just need to get responsible about their own retirement.”

Money Thinker from Money Thinking presents Lowering your Medical Bills, and says, “Money Thinker shares a few tips and tricks for lowering those pesky medical bills. “

Robert from The College Investor presents Building Momentum in Personal Finance, and says, ” Here are some simple tricks to build momentum in personal finance, regardless of what your personal finance goal is.”

Ray from Squirrelers presents 10 Investing Tips to Help You Reach Long-Term Financial Success, and says, “The are many lessons to be learned and applied in terms of investing and financial success. A group of these lessons have been distilled into a set of 10 tips on investing.”

Jay from Daily Fuel Economy Tip presents Winter Fuel Saving Tips for Around the House, and says, “Learn how to save on gas and electric bills with winter right around the corner. “

Jack from Money Saving Ethics presents Easy Tips for Saving Money Part 1, and says, “It isnt how much you make, it’s how much you spend.”

TTMK from Tie the Money Knot presents Dating and Debt Disaster: Part 1, and says, “Would you help a person you’re dating with his or her debt? One person I know did just that, and things didn’t quite go as planned.”

Sam from The New Business Blog presents Personal Finance Pointers, and says, “Learn how to go over your finances. “

Amy from Money Mishaps presents Should I Automate My Payments, and says, “Apply a set it and forget it type approach for certain payments.”

Ray from Squirrelers presents 10 Investing Tips to Help You Reach Long-Term Financial Success, and says, “The are many lessons to be learned and applied in terms of investing and financial success. A group of these lessons have been distilled into a set of 10 tips on investing.”

Lily from Paying Debt Down presents Debt can be a Downer, and says, “Money makes the world go around, so learn how to control yours.”

Sean from One Smart Dollar presents 5 Money Mistakes of Avoid, and says, “We are all going to make mistakes with our finances, but here are a few critical mistakes you should avoid.”

Peter from Bible Money Matters presents How to Get Free Unlimited Voice and Data Cell Service or Free 4G Wireless Internet, and says, “While I think I was getting a pretty good deal with our cell phones, what I didn’t realize is that it can get even cheaper. Several providers are now offering alternatives that can be either extremely cheap or free, depending on what exactly you sign up for. So today I thought I would look at a couple of free cell phone and wireless internet alternatives that can end up giving you free cell phone service, or a free 4G wi-fi hotspot.”

Miranda from Wallet Hub presents Foreclosure Defense, and says, “Worried about forclosure? There are some steps you can take to mount a valid defense. Know your options

pfblogger from Personal Cents presents Avoiding Burnout, and says, “Stressed out or burned out? Pfblogger shares three tips to use in order to avoid or alleviate burnout from your job. “

Karl Marrion from WiseStockBuyer presents Can you make a living from dividends?, and says, “It’s not easy, but eventually you may be able to earn a living from dividends.”

Money Walks from Money Walks presents Interesting Mindsets of the Wealthy, and says, “Money Walks discusses some thoughts on a recent article that she read on Yahoo! Finance. “

FMF from Free Money Finance presents Real Estate 101: Where to Start, and says, “Investing in real estate requires a little more planning than simply investing in stocks or bonds. So if you have been thinking about investing in real estate, here’s where you start.”

Big Cajun Man from THE Canadian Personal Finance Blog presents Free Subscriptions or Fool Me Once, and says, “Sometimes those free subscriptions to investing newsletters don’t end up being that free.”

Lou Rodriguez from The Amateur Consumer presents Are You Part of the 47% Mitt Romney Doesn’t Care About? I Am!, and says, “In this article, I breakdown how the numbers work out for Mitt Romney’s 47% remarks and why through my personal experience of surviving credit and financial hell, I’m one of those 47% he spoke about. “

John from Card Hub Blog presents American Express and Walmart Bluebird Prepaid Card Evaluation, and says, “The avalanche of prepaid cards is in full motion now. Once you un-bury yourself from all the media surrounding them, how do you know which one to pick? The new American Express/Walmart offering – Bluebird Prepaid Card- may just be the best option to date.

Shaun from Money Cactus presents Personal Finance is about Long Term Financial Stability, and says, “Financial stability is not just important to your future, it is important to what you do and how you feel now. Here is how I find my financial balance.”

Teacher Man from My University Money presents Gender Ratio and Getting a MR Degree, and says, “It used to be the norm for people to joke about young women attending post-secondary education in order to get a MRS degree (in other words – marry someone who was going places and who could support them for the rest of their lives). The times they are a changing!”

J.P. from Novel Investor presents The Beginner’s Guide To Tax Efficient Investing, and says, “Taxes are an unfortunate side effect of successful investing. You can set up a tax efficient investing strategy to help lower those taxes over time.”

Glen from Credit Card Smarts presents Chase Freedom Credit Card Review, and says, “The Chase Freedom credit card offers up a generous rewards program, a cash back bonus, 0% APR, and more! Take an in-depth look at the Chase Freedom card in our review.

Nick from My Dollar Plan presents How to Handle a Financial Windfall, and says, “It’s a scenario we’d all be happy to find ourselves in but if you come into a chunk of money, no matter how big or small, you need to read this first!”

PK from Don’t Quit Your Day Job… presents Which State Benefits the Most from the Mortgage Interest Deduction?, and says, “It may not be the most statistically rigorous piece, but it’s certainly interesting! A visualization of the mortgage interest deduction by state.”

John S from Frugal Rules presents How Budgeting is Like Potty Training, and says, “Budgeting, like potty training, can be a messy and at times difficult endeavor. But, with a little practice and patience you can have success with budgeting.”

Nicole from Nicole and Maggie: Grumpy Rumblings of the Half Tenured presents Is GDP how we should be measuring success?, and says, “Should the success of a country be determined by the amount of goods and services produced in the market? Nicole, Maggie, and their readers weigh in on this and alternative measures. Join the conversation!”

Miranda @ Financial Highway from Financial Highway presents What is an ETF and How Does it Work?, and says, “One of the fastest growing investing products is the exchange-traded fund, or ETF. ETFs haven’t been around for very long, but they are quickly gaining in popularity, due to how easy it is to trade them, and the relatively low costs that come with them. Undoubtedly, most investors have heard of ETFs, yet many are still wondering exactly what an ETF is and how it works.”

Ken Faulkenberry from AAAMP Blog presents 3 Diversification Rules For Every Risk Management Plan, and says, “Including diversification rules in your risk management plan will lower the volatility of your investment portfolio without lowering your expected returns.”

Dividend Growth Investor from Dividend Growth Investor presents How to be a Dividend Winner, and says, “People who are winners tend to concentrate on setting a goal and creating actionable steps in order to achieve that goal. In order to be a dividend winner, an investor needs to set a clear goal of target monthly income, the timeline to achieve this goal and the steps to make it happen.”

Andy from Saving to Invest presents How I Think QE3 Will Affect Stock and Commodity Markets, and says, “This really shook the markets, making the short-sellers scared, because they don’t know when to start shorting anymore.”

James Petzke from This Is Common Cents presents Let Someone Else Cook For Me? Nonsense!, and says, “Paying another person to cook for you is a ridiculous move in my opinion, and definitely won’t help you get ahead financially.”

Dannielle from Odd Cents presents How to Make Money From Real Estate, and says, “This article on how to make money from real estate explains how investing in real estate can open the door to many opportunities to create passive income. However, this is not an easy task, because it requires hard work, dedication and patience. It is not always an overnight happening and can possible a very long time before it becomes successful.”

Scott Skyles from presents Tips for Financing An Investment Property, and says, “While the economy is slowly improving, the real estate market is improving as well, which means there are both seasoned and new investors looking to purchase properties in order to make a profit.”

Pierre from Intelligent Speculator presents Which One of The Stocks Could Rebound?, and says, “We look at popular stocks and their ability to bounce back.”

Mike from Experiglot presents The Art of the Emergency Fund, and says, “How you can finally build your emergency fund the smart way.”

Green Panda from Green Panda Treehouse presents How You Can Work Multiple Jobs in Your 20s, and says, “We show you how you can work a few jobs in your 20s.”

Daniel from Make Money Make Cents presents The Essentials of Buying Your First Home, and says, “Consider the factors before buying your first home to make it less stressful.”

Chris from Money & I presents Mythbuster & I vol. 2 – Boost Your Credit Score Edition!, and says, “Personal-finance savvy blogger who recently moved to the UK, gives 8 crucial tips on how to boost your credit score and what to expect from credit-repair agencies.

  • Glen Craig

    Thanks so much for hosting and for the Editor’s Pick!

  • Lou Rodriguez

    Is it OK if guys get educated and empowered by your blog too? :) Thank you for including my post in your carnival. I’m very honored and appreciative!

    • Ginger-GirlsJustWannaHaveFunds

      LOL! No problem Lou! All are welcome! The ladies need our own corner in the PF blogger space since it is a veritable sausage fest! LOL!

      • Lou Rodriguez

        I just had dinner and was sitting here enjoying the last sips of my wine and you just made me spit it out! LOL That is too funny :)

        • Ginger-GirlsJustWannaHaveFunds

          *cheers* !! LOL!

  • Evan@MyJourneytoMillions

    Thank you for hosting and including my post

  • Money Wise Pastor

    Ginger, thanks so much for hosting the carnival this week, and thanks for including my post as an Editor’s Pick!

    • Ginger-GirlsJustWannaHaveFunds

      My pleasure! I really enjoyed your post!

  • Scott Skyles

    Thank you so much for the inclusion! :)

  • Ken Faulkenberry

    Thank you for hosting and including my post!

  • Sean @ One Smart Dollar

    Thanks for including me.

  • Karl @ wisestockbuyer

    Thanks for including me Ginger

  • John S @ Frugal Rules

    Thanks for hosting and including me!