Carnival of Road to Financial Independence #21

Welcome to the July 20, 2010 edition of road to financial independence.

Beating Inflation

jacqjolie presents The ratio-nal way to retire early posted at Single Mom, Rich Mom, saying, "Beefing up savings and keeping your lifestyle in check by an early retiree."

FMF presents Just Say ”No” to TIPS posted at Free Money Finance, saying, "Buying gold is often touted as being a key to beating inflation. But is it a good investment?"

Frugal Living

jim presents How to Frugally Stock Your Home Toolbox posted at Home Tool Review.

Karen Anderson presents 13 Timeless Finance Tips From The Bible posted at Online Christian Colleges, saying, "In fact, the Bible has over 1,000 verses that discuss money. In this article, we’ll discuss thirteen timeless pieces of financial advice straight from the Bible, as well as give you the actual Scripture references."

Roshawn Watson presents Why Is Debt Really Decreasing? posted at Watson Inc, saying, "In the first quarter of 2008, our debt to disposable income peaked at a staggering 131%. This means for every dollar we earned, we spent $1.31. As of March, our debt as a share of our annual income is presently 122%. If you think this change indicates that we have collectively been so scarred by the "Great Recession" that we are now behaving fiscally responsible, think again. There is a surprising and sad reason why our debt has gone down. Hint, it has nothing to do with frugality."

PabloPabla presents How To Avoid Impulse Buying | The Frugal Beagle posted at The Frugal Beagle, saying, "It is easy to go into a spending frenzy when we are not alert enough about it. This article offers tips on how to avoid impulsive buying."

nissim ziv presents Career: Quotes about Careers Goals & Inspirational Career Quotes posted at Job Interview Guide, saying, "Deciding to move your career forward or to choose a new career?
Usually that is the hardest part, making the decision to do just that – to take action.
Then comes the second part, deciding on how you’re going to set goals and maximize your career potential.

What ever you decide to do, you can always get inspiration from those who already made it."

Joel Ohman presents If I get a check from my auto insurance company do I have to get my car fixed? posted at Car Insurance Comparison, saying, "Come on - all of us super frugal people have wondered this before if we have ever received a check from an insurance company for damages to our car: do we really have to use the check for the car or can we just pocket the money and leave our vehicle with the damages...?"

OmarAdams presents Broke Billionaires: 12 High-Profile Modern Tales of Riches to Rags posted at Online Accounting Degree, saying, "You might assume that being a billionaire equates to an easy life of no money problems, but for many high-profile people, this is certainly not the case. It is tough for most people to lose a job or a home worth thousands, but imagine losing millions or even billions of dollars in the blink of an eye."

Matt T. Henterly presents How to Live With a Low Credit Score posted at The SimpleChecking Blog, saying, "For those with bad credit, some tips on living with a low credit score."

BWL presents The Best Pre-Paid Credit Cards & Who Should Use Them posted at Christian Personal Finance, saying, "This article looks that the good and bad with prepaid credit cards and looks at who would be best suited for using them."

SWE presents How To Sell Something on Ebay posted at Sell With Ebay, saying, "Selling on Ebay can be a simple way to earn some extra cash - here are some tips for getting started..."

Gal Josefsberg presents Do Frugality and Dieting Work? posted at Equally Happy, saying, "Frugality has a bad reputation in some circles as a pointless pursuit of a few more cents at the expense of joy and happiness. I think this is a misconception. To me, frugality is less about chasing one more dollar and more about finding ways to improve life that also happen to save a bit of money."

Passive Income

Madison DuPaix presents Unique CD Strategy to Lock in Higher Rate posted at My Dollar Plan, saying, "Find out how to get a higher rate on your CD's!"

DepositAccounts presents 10 Mistakes People Make with Their Bank Accounts posted at Deposit Accounts, saying, "It is possible to make mistakes with your bank patronage, resulting in lower returns than you could be getting or even in losses. Here are 10 mistakes people make with their bank accounts."

Alexander presents Dividend Income Strategy posted at Dividend Stocks, saying, "Dividend stocks provide regular passive income. Learn more out the income that dividend paying stocks provide."

Dan presents Sector Review: Utility ETFs for High Yield and Stability posted at ETF Base, saying, "Income investors looking for passive income via high dividend payouts can rest easier with these broad-based utility stock ETFs rather than picking individual equities. With yields of 4-6% and low volatility, they make for great income portfolio additions."

Reducing Expenses

Jessica Bosari presents Four Money-Saving Fails: What Went Wrong Here? | billeater.com posted at Billeater, saying, "Common money saving tactics and how they can go wrong."

Estate Yard presents Simple Ways to Lower Home Energy Bills posted at Estate Yard .com.

FMF presents Save the Most on Groceries in the Least Amount of Time posted at Free Money Finance, saying, "How to save the most on groceries even if you're pressed for time."

Craig Ford presents Student Loan Debt Forgiveness | For Ministers & Non-Profit Workers posted at Money Help For Christians, saying, "How ministers and non-profit workers can have student loan debt forgiven."

Ramsay presents Guaranteed Ways To Keep Your Phone Bill Down posted at Need Money Tips, saying, "Save money on your cell phone bill by reducing unnecessary expenses from your monthly bill."

Contact presents Is Discover the Rodney Dangerfield of Credit Card Issuers? posted at NerdWallet Blog - Credit Card Watch, saying, "Discover has a reputation for not being widely accepted. And while the bad reputation is not without merit, it’s quickly fading from truth into perception. Even since 2007, when Discover was the butt of jokes on Futurama and Family Guy, things have improved substantially."

Stock Investments

Dividend Growth Investor presents How to increase your dividend income with these four stocks posted at Dividend Growth Investor, saying, "There are three major factors, which will allow you to build a viable dividend income stream in retirement."

Carlos Sera presents A Competitive Tale; Financial Tales posted at Financial Tales, saying, "In every new client relationship the conversation always turns to how will the advisor be compensated? Periodically I am asked why I or others don’t charge clients based on the profits that we generate. When they ask me this question I always ask them to choose between two colors. I ask them which is their favorite black or red. When they look at me quizzically"

PT Money presents Should You Invest with Exchange Traded Funds? posted at Prime Time Money, saying, "ETFs are definitely an investment everyone should know about and consider using over mutual funds."

Brenda D. Chapman presents 8 Most Expensive State Construction Projects posted at Construction Management Schools.

Control your Cash presents Shortcuts Are More Work Than They’re Worth posted at Control Your Cash, saying, "Stock investments through the eyes of the late Coach Wooden"

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