The Yakezie Personal Finance Blog Carnival

It’s my honor to host the Yakezie Carnival this week after a long gap. Yakezie is a group of personal finance and lifestyle bloggers who are working together to improve their blogs.  OCAAT has been a Yakezie member blog since almost a year. Thanks to everyone who submitted their entertaining, helpful, or informative articles. Enjoy these selection of fine personal finance articles.

Rohit @ The Money Mail writes Comprehensive guide for Roth IRA – Can you save taxes by investing in a Roth IRA account? Is your money accessible to you before retirement? Is Roth IRA better than Traditional IRA? What are the income limits for Roth IRA? Roth IRA account can be complicated and is one of the reasons many people don’t have Roth IRA accounts. But are you missing out? Roth IRA account can be a good source of tax free income in retirement. In this article we cover the various rules for Roth Ira and help you get started by selecting a low cost Rot

Drew @ Objective Wealth writes Isn’t it Better to Wish the Best for Others? – Judging by the various levels of emotion and resentment people can produce in response to others’ wealth, it’s surely better to wish the best for others?

James Petzke @ This Is Common Cents writes Open Source: Harnessing the Power of the Software Revolution – Utilize open source to save thousands on computer software.

Lance @ Money Life and More writes Bold Move By Discover – The Discover it™ Credit Card – Discover has made a bold but necessary move to position itself in the rewards credit card market. Discover decided to stop offering all of the credit cards they offered in 2012 and have switched to a single new card that easily beats every old credit card they offered. So what is this new Discover credit card and what makes it so awesome?

Dividend Growth Investor @ Dividend Growth Investor writes http://www.dividendgrowthinvestor.com/2013/01/load-up-on-dividend-stocks-from-fiscal.html – Nowadays, everyone knows what the fiscal cliff is all about as news channels, websites and newspapers have explained everything there is to the matter. Now that we are past “fiscal cliff” territory, the markets have been jittery. Despite the recent relief rally, some spending deals have only been postponed by a few months. In addition, the uncertainty around the US debt ceiling is another factor that could weigh in on investors sentiments.

Robert @ The College Investor writes How to Transition from Vacation Back to “Real Life” – What you need to do to transition back to “real life” after the holidays.

Robert @ My Multiple Incomes writes Machine Vision Consulting Featured on Business Day TV – Business Day TV with Terry Bradshaw has highlighted machine vision and their products. Machine Vision Consulting makes products that are designed to give vision solutions to manufacturing industries. For example, they provide high-speed label inspection and lot/date code inspection.

Robert @ Entrepreneurship Life writes The Best Small Business Credit Cards of 2013 – Here are the top three small business credit cards of 2013

Robert @ Kids Ain’t Cheap writes My Wife’s Biggest Money Fear – For my wife, her biggest money fear is not knowing.

Tony @ You Only Do This Once writes Intro To The Four Rules of Cashflow – The Four Rules, based on the book You Need a Budget, with further explanation of each rule.

Michael @ Financial Ramblings writes Roth IRA Income Limits for 2012/2013 – Not everyone can contribute directly to a Roth IRA. Your ability to do so depends on your filing status and your modified adjusted gross income. Of course, if you’re over the limit, there are workarounds…

Eddie @ Finance Fox writes Lower Your Wireless Bill By Cutting Your Monthly Data Usage – I was able to conclude with today’s post on some tips and tricks to keep your monthly data usage in check and more importantly lower your wireless bill.

Luke @ Learn Bonds writes How to avoid the #1 mistake made by bond fund investors – Many bond investors top priority is income, which leads them to place a heavy emphasis on a fund’s yield when making investment decisions.

Crystal @ Budgeting in the Fun Stuff writes Blog Goals for 2013 – I’ve covered my main goals for 2013, but I figured you all may be more interested to know what I have in mind for BFS. I just want to reach out more.

Vipin @ The Investing site writes Best Investments for Young People 2013 – Most young people make the mistake of not starting to invest early. Each month of delayed start costs you a huge amount in terms of eventual wealth that you could have built. So I have listed some best investments for young people which will help them build a huge retirement corpus.

Alice @ Hurricanes, Panties & Dollars writes Saving on Inebriation & 10 Money Themed Drinks – I love to drink and have a great time, but if you’re drinking at bars—it can add up faster than a stripper can spot a $100 bill. That’s fast!

MR @ Money Reasons writes Financial Thoughts Spinning in my Head – Here I’m sharing my current financial thoughts, everything from kids, wealth accumulation and the desire to still have a enjoyable year by spending.

SBB @ Simple Budget Blog writes Carnival of Retirement – Read these incredible articles in this week’s edition of Carnival of Retirement

krantcents @ KrantCents writes Happy New Year! – Happy New Year! Today is the beginning of a new year and a day full of football games. Living in Los Angeles, I look forward to the Rose Parade showing what is best about southern California.

Ted Jenkin @ Your Smart Money Moves writes Top Five Financial New Year’s Resolutions – It’s hard to imagine that another year has passed by so quickly.

Jason @ Work Save Live writes 5 Things to Consider When Creating a Will – Being a legal declaration, a will is typically made for making dispositions of property to take effect on or after a person’s death. A will is a personalized legal document and can be made for appointing those that one wishes to manage any part of their estate. Specific protocols exist for drafting a will, specific to a country, state, and province and similar areas.

eemusings @ NZ Muse writes Why your website needs a price list – I can understand why you might not want to display your prices for all and sundry to see (an air of mystery can do wonders for a brand). But as a consumer, if you make it too difficult to deal with you, I’m not going to bother.

Fig @ Figuring Money Out writes What Dave Ramsey Is Good For – Sharing what Dave Ramsey is good for – and it’s not personal finance advice!

harry campbell @ Your Personal Finance Pro writes Is Restaurant Week Even a Good Deal? – Have you heard of restaurant week? Most large metropolitan cities have some form of it, but the general idea is that you pay a discounted rate for a three course price fixed dinner at a top restaurant in your city. In San Diego, the options are for $20/$30/$40 dinners at over 150 restaurants. There are obviously quite a few options and three courses for $20-$40 may sound like a good deal but I’m here to tell you, it’s not.

CAPI @ Creating a Passive Income writes Collectibles and You: Turning Clutter into Passive Income – In addition to obtaining and storing all of these items, they also tend to learn a lot about the value of various items within that niche.

PPlan @ Provident Plan writes What To Do If Your Identity Has Been Stolen – Last week we talked about various ways that a person’s identity could possibly be stolen.

A Blinkin @ Funancials writes What Kind of Returns Can I Expect When Planning for Retirement? – Moving forward, I would estimate a modest 3-4 percent. Let’s say you are 25 years young making $50,000/year. In retirement, you will need to replace 75 percent of your income. You expect 3 percent inflation. How much will you need to save in order to retire by 65 excluding Social Security?

Gary @ Gajizmo.com writes Credit Unions vs. Banks – Not all banks are created equal. Determining whether you should open an account at a credit union versus a bank depends on your financial goals and needs. For different services, we recommend having an account at both, and here’s why!

Maria @ The Money Principle writes About goals, priorities and general orientation: my words for the year – Instead of setting priorities and goals in January I decided on two words to orient my effort. These are my words for the year and a report on how it worked out.

Amanda L Grossman @ Frugal Confessions writes Debt Can be a Rewarding Motivator: How Will You Use Yours? – What do you think your life would be like if you were given everything you ever wanted? If you had no debt, no significant financial responsibilities, no

Tushar @ Finance TUBE writes How to Resist the Urge to Spend? – Today we will be talking about how to resist the urge to spend? At the core of all personal finances advice is this one fundamental principal. You have to resist the urge of spend as much as you want.

Jennifer Lynn @ Broke-Ass Mommy writes The library, not just a sanctuary for books. – Read my take on the library, and let me say that it’s now just a sanctuary for books!

Michelle @ The Shop My Closet Project writes Let’s Invest: A series about non-fiscal investments – I’ve decided to write a series of posts about non-fiscal investments that may or may not effect our money but do have a huge effect on our lives. Once a month I will write about these investments. I’m curious about what you think. This month’s post is about friendship.

BARBARA FRIEDBERG @ Barbara Friedberg Personal Finance writes HOW PAYDAY LOANS MAKE LENDERS RICH AND BORROWERS POOR – In modern society, loans are easily available for almost every whim and desire. Just pick up your credit card, charge it, and pay the balance off at your leisure. The range of borrowing options ranges from short term payday loans to 40 year home mortgages. Few citizens avoid debt.

Corey @ Steadfast Finances writes Stocking the Bomb Shelter: Is Buying in Bulk Actually Worth It? – Buying in bulk may look good on paper, but you need to consider all of the factors before making your decision.

Passive Income Earner @ The Passive Income Earner writes Dividend Stock Analysis: Thomson Reuters Corporation (TRI) – Latest dividend stock analysis of TRI – Thomson Reuters.

Tushar @ Start Investing Money writes Using Foreign Stock Brokers – If you want to start investing in the stock market, you have two options open to you. You’ve either got to go it alone and make your own investments, or find a broker to do it for you.

Jessica @ Budget for Health writes Yakezie Challenge Fail…Now back to work – I just celebrated Budget for Health’s 1st anniversary and I’m hoping 2013 will be a good year for growth with the goals I’ve set.

Suba @ Broke Professionals writes Increasing The Retirement Age Isn’t The Answer – Increasing the retirement age at which you can collect Social Security benefits would hurt the part of the population that needs the money most.

Jon the Saver @ Free Money Wisdom writes How Fitness Affects Your Finances – Personal fitness has a direct effect on your personal finance life. Letting yourself go can wreck havoc in your personal life so watch out.

Carmen @ MyBestCarInsurance101.com writes How Much Car Insurance Do I Need? – Finding affordable car insurance by comparing rates and companies is an external solution, but before you can do that, consumers need to decide the type and amount of insurance they need. Learn about difference circumstances and coverage needs, and factors you should consider when deciding how much protection to buy.

Mike @ Personal Finance Journey writes New Year Plan – Its time to be setting 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.

Christina @ MyLifeInsuranceQuotes101.com writes Term vs. Whole Life Insurance – When you begin to consider life insurance options, you will likely come across a comparison of the different types of coverage available. Between term, whole, and universal life insurance, it is important to weigh the pros and cons before buying protection.

MMD @ My Money Design writes The Management Skills List – Do You Have What it Takes to Earn More This Year? – Before asking for a promotion, reflect upon this management skills list of characteristics that make up a good manager, and see if you’ve got what it takes.

Daisy @ Add Vodka writes How Craigslist Has Saved Us Hundreds of Dollars – When we bought our house, we knew that it needed a bit of work. Our house is nicely renovated, but it was built in the 1960s, and had a few issues that were “under the scenes”.

TDB @ Tax Deduction Blog writes How Are Bonuses Taxed by the IRS – Did you just get a great bonus from work and come home with a much smaller check than you thought? Here’s how the bonuses are taxes by the IRS

Roger the Amateur Financier @ The Amateur Financier writes Money And Child Raising: Stay-at-Home Parent – When you become a parent, there are many issues that you need to handle.

Hank @ Money Q&A writes Seven Credit Card Warning Signs Of Debt Trouble and The Debt Movement – Do you have a problem with your credit card debt? Do you know the credit card warning signs that your debt may be out of control or hard for you to handle?

Ryan @ Early Retirement Investments writes Looking for The Quiet Life But Not in Dubai! – Related Posts:An Introduction to Critical Illness CoverPlanning For Retirement is the Key to Secure Retirement LifeIs It Better to Bank With a Credit…

Jen @ The Happy Homeowner writes Yes, My Boyfriend is Paying Me Rent – My boyfriend recently moved in with me and I am charging him rent. In fact, we’re splitting everything down the middle. Read more to find out why!

Miss T. @ Prairie Eco Thrifter writes How to Burn More Calories at the Gym – I’m usually trying to balance my calorie intake with my energy output, so I’ve been trying to find various ways to burn more calories by doing workouts on the same equipment. Here’s how I’ve been successful in burning more calories on equipment at the gym:

Invest It Wisely @ Invest It Wisely writes Unraveling the Secret to Building Wealth – You can become wealthy by changing a few simple things. All it takes is a shift in attitude and to make one simple commitment to yourself.

Evan @ My Journey to Millions writes My First Post Written While Not Owning My First Home – I spent today (January 7th, 2013) working with movers, The Wife and my mother in law to get all of my stuff out of the home and most of it into storage until we close on our next home. While getting out of our house today I had some thoughts:

Ashley @ Money Talks Coaching writes My First Video! – Hey guys! I have something super special for you today… My First online video!

Joe @ Midlife Finance writes Where will you live when you retire? – Retirement may be the perfect opportunity to do something you’ve been considering for years: move to a different state or region. But how do you decide which one?

Joe @ Retire By 40 writes Building a dividend portfolio for passive income – One of my financial goals for 2013 is to generate $18,000 from passive income. This isn’t going to be easy because last year we only made $7,742 last year from dividend, rentals, peer to peer lending, and interest.

Timothy Mobley @ Timothy Mobley’s Blog writes How To Deal With The New Payroll Tax Hike – Since January 2013 Americans are struggling with ways to deal with the expiration of the payroll tax break which resulted in a 2% tax hike. This post offers some suggestions on how to deal with this cut in take-home pay.

Edward Antrobus @ Edward Antrobus writes How to Avoid DirecTV Moving Fees – If you have DirecTV and are moving, you have two options: pay an arm and a leg for an installer your you can set up your dish at your new location yourself.

Jen @ Master the Art of Saving writes Potential Savings Goal: A Second Car – Living so far out has isolated me from the world and is driving me nuts. I need want NEED a car or I am going to die…seriously.

Edgar @ Degrees and Debt writes Maintaining Multiple Incomes – Examples of how to create and maintain multiple income streams

Jason @ Live Real Now writes Credit Peril – The credit department came back and said that my wife’s credit was poor. I chalked it up to a temporary blip caused by closing the oldest account on her credit report and financed without her. No big deal. Turns out I was wrong.

Tushar @ Earn More and Save writes What Are Your New Year’s Resolutions? – Learn how to make realistic New Year’s resolutions for 2013 – and actually keep them!

Jester @ The Ultimate Juggle writes Final Decision On Fairness in Spending on Kids – Do you think about your fairness in spending on kids? I believe that you should, especially if your kids are great kids like mine!

NoTrustFund @ Where’s My Trust Fund writes the Manifesto – Personal finance inspiration!

Cash Flow Mantra @ Cash Flow Mantra writes Two Main Goals for 2013 – As a result of all that has been happening, I am just now getting to the obligatory goals post for 2013. It should be a pretty easy post though, because I only have 2 main goals: Pay off some debt and lose some weight.

Kyle @ My University Money writes How Much Is Too Much to Pay for Residence? – The problem is that residence fees in many parts of the country have risen at incredible rates over the past decade. This disregard for general inflation rates seems to be part of the world of education these days, but I digress.

Justin @ Young And Thrifty writes Paying Off Debt: The New Year’s Resolution You Need to Keep – Making New Year’s resolutions is a time honored January tradition. The problem is that by February most of those resolutions have been broken and completely abandoned. But there’s one New Year’s resolution that you need to keep, that you cannot afford to give up on – and that’s paying off debt.

Daniel @ Sweating the Big Stuff writes 2013 Business and Personal Finance Goals – Here are my business and personal finance goals for 2013. They won’t be easy to achieve, but I think they’re definitely attainable.

Kyle @ The Penny Hoarder writes “I Need Money!” – 10 Ways to Make Money For Tomorrow’s Rent – If you’re having a tough week financially and need to find some cash fast, there are a few things you can do which won’t take a lot of time, and can be done for people you know, or even friends of friends.

Corey @ 20s Finances writes How Young Adults Can Save Money on Car Insurance – We all know that young adults struggle with saving money. It must be the curse of young adults to be attracted new cars, fancy gadgets, and trending clothes. Either that or just plain inexperience. In all seriousness, it’s a combination of all these things.

Don @ MoneySmartGuides writes Emergency Fund Basics – An emergency fund is the term given to your Savings Account that acts as a resource to provide you with income during emergencies.

Aloysa @ My Broken Coin writes The Best Moments of My Broken Coin in 2012 – Check out – My Broken Coin’s – best moments this year

SFB @ Simple Finance Blog writes The Importance of Having an Allocated Spending Plan – What is an allocated spending plan, its benefits and how to set it up

Jules Wilson @ Fat Guy,Skinny Wallet writes My 2013 Health & Fitness Goals – Here are My 2013 Health & Fitness Goals! I talk about weight lifting, running, avoiding processed foods, lowering body fat, and much more!

Jules Wilson @ Faithful With a Few writes 2013 Goals For KNS Financial – Yes, I know that 13 days have passed already in this new year. Hey, if people are still seeing me and saying, “happy new year”, then I think I can still put up a post about my 2013 goals! Anyway, here are some things that I would love to accomplish with the site this year.

PK @ Don’t Quit Your Day Job… writes Will The Patient Protection and Affordable Care Act End Health Savings Accounts in 2014? – “Poison Pill”, “Backdoor”, “Insidious”… good names for a band? Maybe. Also, pretty good ways to explain how the end of the HSA will come about, if it comes (we’ll find out in 2014!)

Marvin @ Brick By Brick Investing writes Food Insurance – Detailed description of how you can save money and ensure you have enough household items & groceries in the event that you lose your job.

Everything Finance @ Everything Finance Blog writes Making Your Financial Goals a Reality in 4 Steps – Follow these four easy steps to implement good financial goals into your lifestyle.

Myscha @ Financial Highway writes 9 Winning Ways to Build Passive Income – Given the choice between having an additional source of income or not, most people would choose the affirmative. The trouble comes when you have to find time to earn that additional income. While we all have available blocks of time in our schedule, not everyone has the ability to take on a full-time second job. That’s where the development of passive income comes into play.

Michael @ Excess Return writes Why A Strong Dollar Will Be Bad For Your Portfolio – Interest rates are low. Quantitative easing measures, pumping hundreds of millions of dollars into the American economy, are high. The fed has, for years, been following a course of flushing the dollar down the pan. The general explanation for this is that such a policy makes exports cheaper in the currency of the target market which will, in turn, drive the U.S. economy forward.

John S @ Frugal Rules writes 4 Helpful Free Investment Tools – Investing in the stock market can be a challenge for the seasoned investor, much less a newbie investor. By using some free investment tools you can make more informed investment decisions that will benefit your portfolio.

Marie at Family Money Values @ Family Money Values writes Hiring Domestic Help – The ins and outs of hiring domestic help

Little House @ Little House in the Valley writes Inspiration for Smaller Living – I still have a passion for little house plans and have found some beautiful ideas that are inspirational. However, realistically, could I make it work? Perhaps. From small shed houses to cabins and guest cottages, there are so many possibilities out there I have to share them:

Bryan @ BryanMaltier.com writes Tips For Saving Money on Term Life Insurance – If you’ve been reading about Jeff Rose’s Life Insurance Movement, then you know you need to buy life insurance when you are young and early. This article will help you review and compare companies, decide how much coverage should cost, and find discounts that may make life insurance more affordable for you and your family.

TTMK @ Tie the Money Knot writes Revisiting Car Insurance Costs: 5 Ways to Save – Many of us enjoy finding ways to save money. What about with car insurance?

Ray @ Squirrelers writes Thinking Inside the Box With Personal Finance Can Have Value? – We’ve all heard of the saying “think outside the box”. What about thinking INSIDE the box, and sticking to the fundamentals when managing our money.

Jeff Rose @ Good Financial Cents writes IRA Contribution Deadline – Taxpayers will have until Monday, April 15 to make their 2012 IRA contributions. Even if you are just now opening an account you want to contribute toward last year first. Once the deadline passes you cannot contribute for that tax year in the future.

Carrie @ PT Money Personal Finance writes How to Deal with the Unhealthy Stress Caused by Debt – People often discuss the positive effects of paying down debt, but they don’t seem to mention the negatives effects it can have on your health when you don’t deal with it.

jennifer @ Discount Coder Blog writes Eating out? Find a BYO restaurant and save a fortune – Finding restaurants that allow you to bring your own drink can be a fantastic way to save money on eating out. This fabulous article discusses the best way to find these hidden gems!

Jason Hull @ Hull Financial Planning writes Credit Card Debt and Drug Addiction – Are They Related? – In this article, we examine Professor Dan Ariely’s research on credit card payoff behavior and look to see if there is a link between payoff behavior and drug addiction.

Grayson @ Modest Money writes Treating Your Savings Like A Monthly Bill – One day I was adding another bill to the board and it hit me. I needed to start treating my savings account like another monthly bill.

John @ Fearless Men writes Pinching Pennies – Most of us know the benefits of not spending every penny we make. I have memories of being lectured by my dad when I was like 7 or 8. This is why kids have piggy banks. But then we start earning allowances and a few years later getting jobs. As we start earning more we then feel entitled to spend it. Most of us don’t feel that “entitlement” to pinching pennies and saving for the future. Some say they owe it to themselves to spend that hard earned money on fun and possessions. What about th

Boris @ Cheapnfrugal.com writes Inexpensive Ways to Unclog Your Drains and Toilets – It’s amazing how much money we tend to pay the plumbers when our sinks and toilets are clogged. Don’t waste your time calling the plumbers, some jobs are extremely easy to do yourself.

Emily @ Evolving Personal Finance writes Blog Statistics Update December 2012 – January 2013 – I share our blog statistics for the last month – traffic took a hit over Christmas, but other indicators are up!

Rohit @ The Money Mail writes Assets that produce passive income – Passive income has the ability to generate cash flow for you without you having to work for it. However the reality is that you either have to work to create the asset or invest in acquiring the assets. You are putting time upfront or taking a financial risk. Many times you are doing both. If someone tells you that you can make passive income without taking financial risk or without investing your time upfront, you know it’s a scam. In this article I cover some of the assets that can help you

Suba @ Wealth Informatics writes How to get cheap prescription drugs and save money on medications – Health care is one of the major budget item for us. So I compiled a comprehensive list to get cheap prescription drug and save money on my medications.

SB is a husband and working as a software professional for a Fortune 100 corporation in Florida. Thanks for visiting the blog. You can receive free full-text articles from One Cent at a Time in your email inbox, on the days we publish fresh content, by entering your email below. Your email will only be used for subscription, and each email will include a link you may use to unsubscribe at any time. You can also become our Facebook fan or follow us via Twitter