Welcome to the tenth edition of the Financial Carnival for Young Adults. My purpose with this carnival is to create an easy-to-find place for information about finances for young adults. The carnival is hosted here at 20's Finances each week and features the most recent articles from around the web.
I just wanted to thank everyone for submitting their post. This carnival has grown really fast and I am happy to share the many great posts listed here with my readers.
harry campbell @ Your Personal Finance Pro writes Getting Away From Internet Job Searches: Networking Tips for Young Professionals - With unemployment at 8.2% as of March 2012, many Americans find themselves relying on the same unsuccessful job hunting tactics. Recent graduates are stuck looking for work in an extremely saturated job market where supply is high and demand is low. So what makes one candidate stand out from another?
Melissa @ Fiscal Phoenix writes Good Meeting Habits to Practice Now ' More than the pointless aspect of most meetings, one thing I've observed is the poor behavior that runs rampant throughout those meetings. From entry level staff on up to managers and directors, there is no shortage of people who are rude and inconsiderate during meetings.
Dr. Dean @ The Millionaire Nurse Blog writes 100 Words On How To Become 'Well To Do!' ' Want to be financially successful? Check out this short mantra, and repeat it daily.
Timothy @ Wealth Artisan writes 5 Budgeting Tools ' Are you looking for tools to help you budget? We have a list of the best budgeting tools including free budgeting tools to help you reach your savings goals.
KT @ Personal Finance Journey writes Some Smart Ways to Use an Unexpected Windfall ' As a child, you may have played the game of LIFE and enjoyed those moments you get an unexpected windfall. The same can happen in real life. A few years ago, many Americans got an unexpected windfall when President Bush offered a tax rebate to a majority of U.S. citizens.
Eddie @ Finance Fox writes 10 Signs You Need Help With Money ' One thing is certain with money is that it's never too late to make a turn around and admit that you need help with money.
Don @ MoneySmartGuides writes Revisiting The Buffett Rule ' I previously wrote about how I was against The Buffett Rule, raising taxes on the rich to help balance the budget.
SFB @ Simple Finance Blog writes How does a Letter of Credit Differ from a Bank Guarantee? ' In layma's terms, a bank guarantee and a letter of credit may seem similar, but they are not. Here are the key differences and when to use them.
PITR @ Passive Income To Retire writes Risky Investments ' High Return ' Investing with great risks gives you a bigger potential return. You won't always avoid mistakes, but you will learn from them.
Princess P @ Portfolio Princess writes Smart, Savvy, And On A Budget ' Sometimes sticking to a budget is no easy task, but there are ways to make saving money easy by following these simple budgeting tips.
Jeffrey @ Money Spruce writes How to Be an Entrepreneur ' The following is a guest post. Answering the question 'How to Be an Entrepreneur' is a a somewhat complicated one. There's really no simple way to answer it. The first thing I will tell you: being an entrepreneur is easy, but being a successful entrepreneur is not. Here's a few simple steps to think about.
FG @ Financial God writes Cars Are the Mass-Transit Solution of the Future ' As you sit in traffic on your way to work, you might find it hard to believe, but one day, that congested highway will be part of the mass-transit wave of the future.
Ryan @ Early Retirement Investments writes Are You Spending Too Much on Business Expenses? ' Related Posts:How to Save Money Every Month Using UnionBank Online Banking ServicesFinding Money for Retirement When Your Paycheck is SmallQuickBooks Pro 2011:'
Aloysa @ My Broken Coin writes Who I Have Not Become ' At some point in life, we all dream of becoming someone else, someone different from who we are now. We have certain aspirations and hopes. Sometimes we live up to our dreams. Sometimes they remain just that ' dreams.
Luke @ Learn Bonds writes Should You Trust Your Financial Advisor? ' Does your financial advisor have a fiduciary duty to act in your best interest? It depends on the type of advisor you are work with.
krantcents @ KrantCents writes The 3 M's of Success ' The 3 M's of Success is the thirteenth in a series of articles to help you reach your goal.
Jason @ Work Save Live writes Where to Save Your Retirement Investing Contributions ' Welcome to the 3rd week of my 'Understanding Retirement Planning & Investing' series! If you've missed the first two posts be sure to check them out! Everything You Need to Know About a Roth IRA & Why to Start One.
Amanda L Grossman @ Frugal Confessions writes Environmental Reward Program Update ' Earth Day/Week is here, and I thought I would take the opportunity to update you on the reward point programs I introduced about a year ago.
Maria @ The Money Principle writes Regulate the people, not the banks! ' Read why it is not the institution that the government need to go after, but those few selfish individuals in the company!
TRL @ The Retired Landlord writes Why I am Investing in Real Estate ' Investing in real estate is not a easy commitment, but doesn't mean it isn't worth it. Find out why I am investing in real estate.
Kanwal @ Simply Investing writes Is it Good When Companies Buy Back Their Own Shares? ' Companies will sometimes buy back their own shares, but is this good or bad for you the shareholder? Generally it's a good thing because in the long run it will result in an increase in the share price.
Ashley @ Money Talks Coaching writes How to Spend Less on Gas ' How much gas are we using to drive to work, to school, to the store, and so on? Here are some tips on how you can deal with the high price of gas.
John @ Married (with Debt) writes Pay Off Debt Before Investing: Rule 9 ' This is Rule 9 in my 10 Rules to Eliminate Debt and Change Your Life Should I pay off debt before investing? If you are asking this question, let me first say congratulations.
Jen @ Master the Art of Saving writes How Much House Do You Really Need? ' Sometimes we just need to ask ourselves: How much house do I need? If you stay in your house almost all the time, then of course your needs would'
Corey @ Steadfast Finances writes Why are Home Foreclosures Picking Up in 2012? ' Find out why foreclosure rates are increasing in 2012. Will you be next?
Dave @ Financial Conflict Coach writes Are You A Good Negotiator? ' Most people are afraid of negotiating. The good news is- negotiation is a learned skill.
Wayne @ Young Family Finance writes 5 Tips to Save Money on Your Grocery Bill ' If you are looking to save money, you might want to consider these tips to reduce your expenses with your grocery bill.
Sustainable PF @ Sustainable Personal Finance writes Green Tip #240 ' Rain Barrel ' The 240th Green Tip: Use a Rain Barrel to collect rain water and reduce your water usage costs.
MR @ Money Reasons writes Fixing Your Garage Door Opener By DIY ' These are the steps I followed to replace my craftman garage door gears that were shredded. This particular repair cost me $25 vs around $200 for a repairman.
Peter @ Bible Money Matters writes Mint.com Review: Online Personal Finance and Budgeting Software ' While I'm not sure I would ever give up using a desktop budgeting and finance software like the one we're currently using, YNAB, I believe that Mint.com is a fun and extremely useful supplement to what we do with that software. It is a great way to get a snapshot into our finances, give us reminders, update us on our budget and show us where the money is going. So let's jump in and take a full look at the software in this Mint.com review.
YFS @ Your Finances Simplified writes The Benefits of Giving to Charitable Institutions ' They say that giving and helping others can offer people more satisfaction than acquiring material things. For centuries different individuals, even the most wealthy ones, have found a sense of fulfillment in giving, and indeed it is in the act'
Jon the Saver @ Free Money Wisdom writes Southwest Airlines Rapid Rewards Credit Card Review and a 2 Free Flights! ' Earn up to two free flights with the Chase Southwest Rewards credit card! If you're traveling soon, this card is one that you need now!
Little House @ Little House in the Valley writes Visualizing the Financial Future ' I had an epiphany yesterday: to truly save what you need for the future, you need to visualize it clearly and realistically. Now maybe this had something to do with my 40th birthday, or maybe it had something to do with the weather, or perhaps a Forbes article I was reading; either way, all of a sudden had this clear vision of what I want my life to be like in 10 years from now and a rough sketch of how I was going to get there.
Linsey @ 1099 Mom writes Make Money Writing Articles Online ' Thanks to the internet and the popularity of blogs, writing for pay is becoming more common. If you love to write, there are many ways to make money writing articles online.
Jason @ Live Real, Now writes Whiners ' I have a lot of friends and family in different financial stages in their lives. Some are deeper in debt than I am, others are just starting to dig their own pit, still others have paid off every cent of debt they've ever used. That's okay; as they say, it takes all kinds to make the world go round. Out of all of those, the only ones who irritate me are the spendthrift whiners.
Jeremy Waller @ Personal Finance Whiz writes Top Personal Finance Posts Of The Week ' Wal-Mart Bribery Scandal Edition ' Wal-Mart, one of the largest companies in the world, has just found itself in the middle of a massive bribery scandal. Allegedly, bribes totaling more than $24 million were paid to Mexican officials to speed up the permitting process to open new stores.
Kyle @ The Penny Hoarder writes How to Make $500/week Cleaning out Foreclosures ' Foreclosure cleaners often earn a whopping $500 to $2,500 per house that they clean. Here are a few tips on how to score these jobs'
Sean @ One Smart Dollar writes What are the Best Days to Buy Specific Items ' Did you know that you can save money just buy making purchases on a specific day of the week or month?
Kay Lynn @ Bucksome Boomer writes 10 Sneaky Expenses That You Never Saw Coming ' Do you want to be wealthy in the future? Do you have a plan set in place to achieve your wealth goals? If you have a plan, then I'm assuming that you've made a budget for your monthly expenses, which is great, but guess what? Not all expenses occur on a monthly basis. Make sure that you don't forget about these sneaky costs that tend to catch some people by surprise.
MMD @ MyMoneyDesign writes Before Retirement, Eliminate Your Biggest Expense ' Have you ever considered the benefits of paying off your mortgage early as a way to save BIG during retirement and reduce the amount of income you'll need? If you've got a lot of time between then and now, even better! Let's crunch some numbers and see how much extra it would take to eliminate your mortgage payments altogether.
Kevin @ Thousandaire writes It's All About Creating Income ' Lots of people worry about saving millions of dollars. If you generate passive income, you won't need so much in savings.
Debt Guru @ Debt Free Blog writes Is the Cash Method Helpful? ' Is an all cash method of budgeting the best way to control your spending? Find out if the envelope method is right for you.
PPlan @ Provident Plan writes Top 5 Mortgage Mistakes ' Learn about the top five mortgage mistakes that you can make when buying a new house or condo.
Shaun @ Smart Family Finance writes Should Families Pay Off All Their Loans: No, Debt is Not Bad and It is Not Always Riskier than Cash ' I'm sorry, but if you think debt is bad; you are wrong! Debt can be good, sometimes it is even essential.
Earth and Money @ Earth and Money writes Comparison of Foreign ATM Fees Charged by Canadian Banks ' A comparison of the foreign ATM fees charged by all the big five Canadian banks, and a few alternative options as well. With a little insight and planning, you can go abroad and spend your money the right way ' enjoying your trip!
Suba @ Broke Professionals writes Our House On The Market: Month Two ' Two months in to having our house on the market, and still no offers. I'm anxious to slash our asking price and reduce allowances we've made for closing costs.
Daniel @ Sweating the Big Stuff writes The Finances of Addiction ' It seems like just about everybody is addicted to something. Do you know how expensive additions are?
Penny Thots @ Penny Thots writes Financial Lessons Learned from Video Games ' Video games offer much more than a needed break in the routine. They teach great financial lessons about life and making money, as well as give a little entertainment. While you should limit your time playing video games, don't completely discount them as 'useless.'
Beating Broke @ Beating Broke writes Do You Let Television Affect Your Reality? ' Reality shows such as Sell This House and Storage Wars can be useful sometimes, but often, they increase your level of 'want' or make you think you can do something you are really not qualified to do. Remember, these shows are for entertainment purposes, and the chance that you will be able to replicate the success of the participants is slim.
Jester @ The Ultimate Juggle writes Saving Money By Doing Small Repairs Yourself ' How I save money to spend on my kids by doing small repairs myself. If what you are trying to fix is old, it might be worth it to try fixing it yourself.
A Blinkin @ Funancials writes Why Do Banks Sell Mortgages? ' Sometimes I use my blog as a medium to rant about the funny things people do with their money; but other times I tackle common questions that I receive from readers or overhear when I'm wondering the golf course streets. One common question/comment I've gotten recently has been around mortgages.
101 Centavos @ 101 Centavos writes To Peak Oil or Not To Peak Oil? ' The world is running out of oil' so might as well buy a few shares in the companies that make it and move it around. Having had some cash free up'
Daisy @ Add Vodka writes Vancouver Personal Finance ' A couple of weeks ago, TeacHer Finance wrote a post asking whether or not personal finance advice should depend on geography. I say YES.
Tushar @ Start Investing Money writes The Average Returns to Expect on Mutual Funds ' This Post was Originally published at The Average Returns to Expect on Mutual Funds on Start Investing MoneyWhen you are deciding on a vehicle for investing your money, mutual funds may come up in conversation more often than not. Because the risk is spread out, the investment is perceived as safer than gambling on individual stocks.
Crystal @ Budgeting in the Fun Stuff writes Build a Home Series ' Floor Plan and The Lot ' The first steps with our builder were to decide on the floor plan of our future home and to pick our lot. We had to pick our floor plan first.
Steve @ Brip Blap writes Fear of Making Money ' Fear of money ' worrying about its scarcity, or its disappearance ' can cripple you from making more and even more importantly from enjoying life.
Hank @ Money Q&A writes Only Certain Home Improvement Projects Will Pay You Back ' Most of your home improvement projects and remodeling projects are not going to make you money and will unfortunately not translate dollar for dollar in new home equity.
Steve @ Money Infant writes Happy Songkran from Thailand ' No, I haven't lost my mind. I know it isn't New Year in most of the world, but here in Thailand it is.
Busy Exec @ The 'Busy Executive' Money Blog writes Why discussing money among your friends is still taboo? ' With how many of your friends do you discuss and share a similar financial mindset? For some reason, it's easier to discuss one's financial thoughts with strangers than the people close to you.
Money Cone @ Money Cone writes In Pursuit of the Most Rewarding Rewards Card ' For those who use a credit card for convenience and not for the interest rate, it makes sense to choose a card that maximizes rewards. 5% cash back on gas? That's more than what the markets returned last year! Claim what's rightfully yours!
Miss T. @ Prairie Eco Thrifter writes How to Network at Work and Increase Your Influence ' The importance of a personal network is well known and is as applicable to your personal life as to your working career. Follow these strategies on how to network at work and watch as your influence increases.
Jeremy @ Modest Money writes Thank You For Irresponsible Credit Card Usage ' There are many personal finance blogs that tell you to cut up your credit cards or exercise greater willpower with credit cards. While that may be good advice depending on your situation, I want to personally thank the countless people who are irresponsible with their credit card usage.
Rich Avery @ Money Wise Pastor writes How Magic Jack Works and Saves Me $500 a Year on Home Phone Service ' Have you wondered how Magic Jack works and whether it could really save you money on your home phone service? Magic Jack works well for our family and saves us nearly $500 a year in home phone charges!
Teacher Man @ My University Money writes How To Use Your Liberal Arts Degree To Get a Government Job ' I have been someone negative about the job prospects out there for people like me with a liberal arts degree before. While it is still not what I recommend for most people coming out of high school, it can be a valuable tool in your career tool belt if leveraged correctly.
Echo @ Boomer & Echo writes Pros And Cons Of Waiting To Buy A Home ' Should you buy a home now and take advantage of ultra-low interest rates, or should you wait until housing prices come down from their record levels? Here's the pros and cons of waiting to buy a home:
Emily @ Evolving Personal Finance writes Targeted Savings Account Calculation: Cars through Aug2013 ' I detail a methodology for projecting how much we expect to spend out of a certain targeted savings account and then how much we need to save monthly.
SB @ One Cent at a Time writes How to Start with Managing Personal Finance ' Most critical and hardest barrier to managing personal finance is getting started. A guide to help you get going with the first few baby steps towards better management of your personal finance.
SB @ Finance Product Reviews writes Everbank Review ' A Bank Which Pledges Yeild ' Not often we come across banks who has rate pledges, EverBank announces at its home site that the rates for its account holders would remain in top territory. Read moe in this review.
Robert @ My Multiple Incomes writes The Importance of a Schedule and Time Management ' I work full time, run multiple websites, and am getting a rental property put together, and more! Needless to say, if I wasn't organized, I would be pulling my hair out right now! However, because I take the time to plan and organize, I can usually squeeze everything in that I need to in a day, and still have free time to hang out with my family and walk the dog. Here are some of my scheduling tips that you may find useful.
Everything Finance @ Everything Finance Blog writes Top 10 Money Management Tips for College Students ' Your first year in college, you will learn a lot, both academically and personally. You should also be learning quite a bit financially. How you conduct your finances for the next four years while you are in college can determine in part what type of lifestyle you will have when you graduate. If you are mired in credit card and student loan debt, you may have no choice but to move back in with your parents. To successfully manage your finances, take advantage of these 10 tips:
Robert @ The College Investor writes The Ultimate College Internship Guide ' Internships can be great ways to get first hand experiences in the field you may want to pursue after graduation. They also look great on resumes for new graduates, and many do pay, so you can have some spending money. Finally, it can be a good way to start building your professional network and making industry connections for after graduation. If you're thinking about getting an internship this summer, here is your guide to nailing the process!
Glen Craig @ Free From Broke writes 7 Money Mistakes That Can Keep You from Achieving Your Goals ' Money mistakes can cost you your goals. Take a look at which mistakes you have to pay special attention to so that you can reach your goals.
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