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LifeInsuranceByJeff.com  is hosting the Welcome to the 30th Edition of the Carnival of Retirement!

Included below are some great reads addressing many different retirement concerns.

For past editions, head over the the Carnival of Retirement homepage and check it out.

Here’s this weeks posts:


Michael Kitces @ Nerd’s Eye View writes Yet More Big Changes Underway In The Long-Term Care Insurance Marketplace – With the low interest rate environment continuing to persist, a new round of changes is underway for long-term care insurers – soon, there may no longer be unlimited benefits options at all for retirees!

Shilpan @ Street Smart Finance writes Build Financial Freedom with an Automated Wealth Machine – If you’ve been following Street Smart Finance for any length of time, you’ll know that wealth building is not about get-rich-quick schemes, or scammy business opportunities. It’s about personal financial education, developing long-term thinking, consistency, the principle of compounding, along with a little hard work. I say ‘a little’ because you really don’t have to work harder than anyone else to build wealth, but you do have to be playing the right game. And reading this blog is a

J Wayne @ All Things Finance writes The State of Social Security – Social security has often been described as a Ponzi scheme. This infographic details why people have labeled it as such.

Bryan Maltier @ Gajizmo.com writes Millionaires By The Numbers – Up Close and Personal – Meet the millionaires of the United States. With 8% of all U.S. households qualifying as millionaires, the million-dollar club is more attainable than ever with the right financial habits and attitude.

Kevin @ Thousandaire writes I Saved a Bunch of Money on Food Last Week – I identified a spending problem and I fixed it. I saved a bunch of money by not eating out last week.

Aloysa @ My Broken Coin writes My Top 10 Worst Shopping Mistakes – Read these top 10 worst shopping mistakes! Do you do the same ones?

Tushar @ Start Investing Money writes Why is it Important to Create Your Own Unique Investment Plan? – Read my article on why it is important to create your own unique investment plan!

Jester @ The Ultimate Juggle writes Starting Out Rich Is Not As Satisifying As Becoming Rich – My background from being poor to working and believing that I could become wealthy.

MR @ Money Reasons writes Earning 25 Percent On My Previous Mortgage Payment – Earning 25 Percent On My Previous Mortgage Payment by overlapping some awesome money instruments

Ted Jenkin @ Your Smart Money Moves writes The Best Time To Buy A Home Might Be Now – From a financial perspective, the window for pouncing on a once-in-a-lifetime deal on a home might be narrowing.

Hank @ Money Q&A writes Five Professional Athletes Who Are Struggling Financially – I always find it so interesting to see some of the inner workings of professional athletes and famous people’s finances. Below are five professional athletes who filed bankruptcy.

Passive Income Earner @ The Passive Income Earner writes Dividend Growth Index – 2012 Q2 Results – We are currently in our 3rd quarter of the Dividend Growth Index (DGI)which started back in September 2011 as a project to see how our picks (a group of dividend focused bloggers) would perform over time compared with an index. Here is a background on the Dividend Growth Index (DGI).

Daniel @ Sweating the Big Stuff writes The 6 Best Wedding Gifts To Give – Don’t know what to get the bride and groom? Here are some great suggestions that you simply can’t go wrong with!

MMD @ My Money Design writes Lessons in Retirement from the Movie “About Schmidt” – Don’t let your retirement be like Warren Schmidt’s from the movie “About Schmidt”. Enter the age of retirement with a plan and purpose.

Evan @ My Journey to Millions writes Where Would You Invest If You Didn’t Trust the Market? – I am obviously not as fearful and distrusting as the people who answered the Forbes Survey since I have money in the market but I think there is an absolute need to know what alternatives one may have besides just socking cash away in a savings or money market account. Some investment opportunities that do not include the stock market:

Greg Field @ NerdWallet writes I Left My Job,Should I Roll my 401(k) into an IRA? – A great article on options you have for retirement when you leave your job. Enjoy

Jason @ Credit Resource Center writes How to Get $2 Million Richer For Your Retirement Years – This infographic offers some creative tips on cutting out a luxury from your monthly spending. Investing the savings in a Roth IRA will increase your money over time!

J.P. @ Novel Investor writes How Often Should You Do An Investment Review? – Tracking your investments is more than glancing at those monthly statements. A regular investment review needs to be done.

Mr. Money @ Smart on Money writes 3 Things to Consider When Investing During Retirement – While you don’t need to become a day trader, there are some things to think about when investing during retirement to make sure that your portfolio survives throughout your golden years:

PITR @ Passive Income To Retire writes Why Blogging is a Respectable Business – Find out why blogging is a respectable business model and why it aligns with the future of online usage.

BARBARA FRIEDBERG @ Barbara Friedberg Personal Finance writes 3 PRODUCTIVITY TIPS FROM MY SUMMER VACATION – Put all the same type of tasks together. Work through them quickly and with focus. Next move on. Don’t recheck, reread, and review. It’s a waste of time. Once done with a task, don’t come back to the same task to do just one more little bit. That is totally inefficient. Move on.

Kyle @ The Penny Hoarder writes How to Earn Extra Money by Renting Out your Home Wi-Fi – Why not make more money by renting out Wi-Fi access at your home?

YFS @ Your Finances Simplified writes How I Almost Got Cheated out of 650 bucks – So as you all may know we recently purchased our 3 rental property. I did a lot of talking about in the following posts.

Daisy @ Add Vodka writes Handling Mistakes at Work – When I first started in internship #1, I was so excited to get a little bit of real world experience in my field.

Invest It Wisely @ Invest It Wisely writes How Hard is It to Become a Freelancer? – Do you find that the world is becoming a little bit more entrepreneurial, these days? Read my experiences and see if you agree!

PPlaner @ Provident Plan writes Shop Around for Your Property, Not Your Bank – Looking for a home? If so, then you know shopping around for both your mortgage and your new home can save you thousands of dollars.

L Bee @ L Bee and the Money Tree writes Everyone remembers their first…. – Credit Card that is…. I remember one day in late fall of 2005 I didn’t have money to pay for some sisterhood retreat I wanted to go on. So I got online and applied for my first credit card. It was shockingly easy and I received it in the mail less than a week later.

Jason @ Work Save Live writes Saving a Down Payment For a House – Our Journey June 2012 – Saving a Down Payment for a House The end of May and throughout the month of June presented a lot of great changes for us.

Maria @ The Money Principle writes Cuts in public spending are not going to affect front line services! – In this post how cuts in public spending affect adversely public services is discussed through my latest business trip experience.

JP @ My Family Finances writes Average Family Spending On Back-to-School Shopping in 2012 – This year total family spending will be a record $83.8 billion. How do you stack up against the average family spending on back-to-school shopping.

Victoria Lindsay @ Lend Not Borrow writes You Left the Job Don’t Leave your Money!! 401K Nest Egg Rollover – Tips on what to do with your 401k funds once you leave a job.

SFB @ Simple Finance Blog writes What is Offshore Savings? – Offshore savings is an aspect of offshore banking that focuses on just savings accounts. This is a popular option for many people looking to diversify where their cash is held, but don’t necessarily need the full features of an offshore bank. Having an account offshore can offer diversity that being in a single country cannot…

Bridget @ Money After Graduation writes What you can learn about blogging from 50 Shades of Grey – Oh yeah, you read that right. I promise this is NOT a joke post. I have some serious advice for you guys here. Just like Christian Grey, I don’t mess around! Now, I’m not going to launch into a lengthly review about the book, though I am tempted.

Jon the Saver @ Free Money Wisdom writes Should You Invest with Less the $5,000? – If you have a small amount of money, should I invest on a regular basis? Let’s answer this question together and start multiplying our money!

Jennifer Lynn @ Broke-Ass Mommy writes Bitcoin, the ‘Comeback Kid’ – Bitcoin is a fascinating concept! Read about how it’s making a comeback and see if it could have a place in your financial arsenal?

Suba @ Broke Professionals writes The Hidden Costs of My Husband’s New Job – My husband’s new job has come with some major hidden costs. Here’s what we’re doing to attempt to deflect his job’s negative impact on our bottom line.

Miss T. @ Prairie Eco Thrifter writes Budgeting for Life – Planning and preparing for the future is a never-ending process. And as evidenced by my parents’ situation, retirement doesn’t signal that the need to plan has ended.

Call Me What You Want Even Cheap @ Call Me What You Want Even Cheap writes Fraud Prevention – How to prevent fraud

Young @ Young And Thrifty writes Starting Your Career Rurally – Starting Your Career Rurally can give you an edge over people living in the cities, we’ll show you why.

Roger the Amateur Financier @ The Amateur Financier writes Job Hunting Success – Interview 201: At the Interview, and Beyond – Some advice on how to appear more confident and assertive during your job interview, as well as following up after your interview

Wayne @ Young Family Finance writes Tips for Buying a New Car – Learn a basic step-by-step guide for buying a new car. It’s not as easy as you might think.

Corey @ 20s Finances writes Five Ways Anyone Can Make Extra Money – Ever since I started making a little extra money from my hobby (and realizing the difference that it makes on your monthly budget), I have been a little obsessed with different ways to make money. There is so much more that you can do with extra money. The idea of it being extra money can be dangerous though because it can encourage more splurging.

Eddie @ Finance Fox writes If You’re Traveling, Don’t Forget To Pack Travel Insurance – Travel insurance protects more than just the expense of your flight.

krantcents @ KrantCents writes The 3 Y’s of Success – The 3 Y’s of Success is the twenty-fifth in a series of articles to help you reach your goal.

Investor Junkie @ Investor Junkie writes WTF Fund Update (Mid Year 2012) – I still haven’t added the promised $10,000 to the WTF Fund annually, and hope to have the funds available at the second half of this year. If Google is still around the same price it is currently at when I add more funds, I will use a portion of it to add to my position.

Crystal @ Budgeting in the Fun Stuff writes Life is Too Short to Spend Time Ironing Sheets – Here is the list of things that I refuse to waste time on since they do not give me enough satisfaction to justify the time spent. Life is too short.

Jeremy @ Modest Money writes Does Everyone Need An Emergency Fund? – I just cannot wrap my head around the concept that apparently everyone should tie up a large sum of money in a low interest savings account. While it does make sense for people with debt problems, it just does not seem logical for anyone with decent credit. In such cases a small emergency fund should be adequate.

Sicorra @ Tackling Our Debt writes Are You an Impulse Spender? – Are you an impulse spender? Do you spend money because it is fun to spend? Do you often find yourself looking at your…

Jen @ Master the Art of Saving writes We’re Buying Our First House! – Around a month ago, my husband came to me and said that we really need to buy a house right away. Scary! I’m the one who handles the budget and all the money…

John @ Married (with Debt) writes Does America Need Small Businesses to Fail? – Does the American economy need small businesses to fail? And from this question: does the economy depend on having both losers and winners?

Don @ MoneySmartGuides writes New Consumer Finance Protection Bureau – 9 Things You Need to Know – The Consumer Finance Protection Bureau was created to help regulate financial businesses and protect consumers from the kinds of practices that contributed to the recent recession.

A Blinkin @ Funancials writes Your Obsession With FREE – Are you drawn to things that are BOGO (buy one get one free)? I’m guessing you are. We all are. The sound of FREE is music to our ears. Why? Because it’s not only free, it’s RISK FREE. The majority of us are such sissies that we would rather “not lose” than “win.&

Luke @ Learn Bonds writes How to Predict Inflation and Deflation – Inflation is something that market participants care a lot about. How exactly do you go about predicting inflation? Learn here.

Steven Zussino @ Grocery Alerts writes Ultimate Cloth vs. Disposable Diaper Calculator – Do you know if cloth diapers or disposable diapers less expensive? We created a calculator that looks at 17 types of cloth diapers (including all-in-one and hybrid cloth diaper systems) and provide pricing for different types of disposable diapers. The calculator looks closely at the cleaning costs, electricity, and hydro and looks at diaper use estimates from several sources and tells you what each system costs.

SB @ One Cent at a Time writes Earning Quick Money – $100 a day – various tips to earn quick cash in a day without investment . This article lists various ways to earn $100 in a day legally and without a single penny of investment.

SB @ Finance Product Reviews writes Iberia Bank Visa Gold Card Review – Almost Lowest APR Card in the Market – We reviewed Iberiabank visa gold card card and found it to have one of the lowest APRs in the industry, this can be an excellent choice for your short term cash need.

Amanda L Grossman @ Frugal Confessions writes My Family’s Circle of Savings – I try to imagine the looks on the faces of Transportation Security Administration Inspectors when they x-ray my bag full of liquids, perishables, drugs

Corey @ Steadfast Finances writes Should You Build Your Own Home? – Owning a home is the dream of most middle-class families. Not only does it offer the ability to be in control of your own housing environment (as opposed to renting), but it offers long term financial security. Yet, it’s not always attainable. As we have mentioned before, buying a house can be difficult with the recent economy.

Sustainable PF @ Sustainable Personal Finance writes Do Parents Have To Help? – Just how far should parents go to ensure their children have reduced debt burden after they graduate?

Shawanda @ You Have More Than You Think writes The Rent vs. Buy Debate: Why Renting Makes Sense – Is it better to buy vs rent? Buying your home may give you the warm and fuzzies. But before you take on the expensive cost of home ownership, run the numbers.

Beating Broke @ Beating Broke writes Can You Fund Your Own Lending Club Loan? – In order to be both a borrower and a lender at Lending Club, you have to open two accounts. With two accounts, can your lender account fund your borrower account’s loan?

Steve @ Brip Blap writes The Only Real Sources of Passive Income – Don’t think you’ll get rich without working for it. Everything you can generate wealth from takes effort. Writing a book is hard work. It may create a wealthstream for years to come, but that’s what you should be aiming for: wealthstreams, not passive income.

Jefferson @ See Debt Run writes Tomorrow – When it comes to fixing your financial situation, tomorrow is too far away

Earth and Money @ Earth and Money writes Seven Reasons for Renting over Buying – There’s a lot of reasons to buy property, but sometimes its better to rent. Here’s seven reasons why renting is better than buying.

Darrow Kirkpatrick @ Can I Retire Yet? writes New Ideas for Retirement Income – New research on this topic is appearing regularly, and there is much promise for new dynamic or hybrid withdrawal strategies that could meet the need for reliable income in retirement. Also, new investment and insurance products continue to appear from the financial services industry to answer the need. I’ve begun a long-term process of digesting all this new information about retirement income, so that I can update my own retirement income plan in light of new findings, and write about the r

Paul Vachon @ http://www.thefrugaltoad.com writes Forex Pattern Recognition – Although pattern recognition programs cannot yet outperform experienced technical analysis in terms of accuracy, they can usually provide a relatively quick and numerically accurate graphical analysis of a forex price chart.