Financial Carnival for Young Adults – 5th Edition

Welcome to the fifth edition of the Financial Carnival for Young Adults. My purpose with this carnival is to create an easy-to-find place 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. This week’s carnival highlights great career and retirement posts. While young people may not focus on either of these two things, they are both important for long-term success.

Career

Kyle @ The Penny Hoarder writes How to Get Paid $200 a Month Testing Websites - Website testers are paid $10 to record their opinions of a website’s appearance and ease of use. It’s a pretty easy job and there a number of firms currently hiring…

LaTisha @ Financial Success for Young Adults writes I Graduated, but Don’t Have a Job - Are you a recent grad without a job? This post has tips on how to land a job after college graduation. Smart networking tips for recent graduates.

John @ Married (with Debt) writes Stress at Work? Take an Office Vacation - Experiencing stress at work? Find out how to reclaim part of your day and take a vacation in your office. It’s not hard.

Jeffrey @ Money Spruce writes Life After Quitting Questions Answered: Saving, Business-Building and More - Planning to quit your job means there’s a lot of things to think about first. Here some of those things you need to consider.

Daniel @ Sweating the Big Stuff writes Are Company Sponsored Trips The Best Perk Ever? - My favorite perk at my job has been half day Fridays. Recently, I went on a ski trip and to a shooting range with the company. Which perk is better?

Karl @ CultOfMoney writes The only 3 ways to get a sweet-ass government job - A sweet-ass government job can be yours if: 1. you already have a government job, 2. you know someone in government, or 3. you intelligently position yourself with the correct skills for your sweet-ass government job.

SB @ One Cent at a Time writes 20 Tips To Be Productive And Happy At Work - There are few adjustments which can make you a high achiever at work, they don’t cost any money or any significant time. Learn 20 such tips here and become a high achiever today.

Jester @ The Ultimate Juggle writes How to Get a Second Job - Find out what you should consider when selecting your second job. Don’t jump in without considering these options.

Retirement

Corey @ Steadfast Finances writes What are the Political Risks of Your Retirement Plan? - Is your retirement plan secure? Find out if it is at political risk.

Don @ MoneySmartGuides writes Using Your HSA as A Retirement Account - As the price of insurance continues to increase, Health Savings Accounts (or HSA’s) are becoming more and more popular.

PITR @ Passive Income To Retire writes Can only the Rich Retire Early? - Who can afford to retire early? Popular media may suggest it is the rich, but I think you will be surprised to find out who it really is.

Ryan @ Early Retirement Investments writes Common Sources of Retirement Income - There are many sources of retirement income! See if you are considering the ones that I have on my radar.

Glen Craig @ Free From Broke writes Grow Your Nest Egg with Automatic Retirement Contributions - A great way to grow your nest is, or your retirement fund, is to set up automatic retirement contributions. See some ways that you can do this to get on track to retiring.

MR @ Money Reasons writes Your First Investment Should Be Fun And Exciting! - When you start investing, doing so in retirement accounts is a killjoy! This is why I didn’t follow the common knowledge when it came to my first investments

Emily @ Evolving Personal Finance writes Why You Should Save for Retirement While In Graduate School Part 1 - The power of compound interest clearly lies in the length of time you allow the investment to grow. If a typical graduate student on a stipend saves 10% into a tax-advantaged retirement account during her PhD, her balance will grow to nearly $700,000 at age 65 without any additional contributions.

Miscellaneous

SB @ Finance Product Reviews writes Capital One InterestPlus Savings Account Review – CapitalOne InterestPlus checking account review. Earn interest on your checking account now.

Glen Craig @ Free From Broke writes How to Make the Most of Your Liberal Arts Degree – Following your passion is wonderful. Many times that means pursuing a liberal arts degree. But the reality is those degrees don’t always make a decent living.

Dr. Dean @ The Millionaire Nurse Blog writes The Girl With The Dragon Tattoo: Ten Personal Finance Lessons! – You can find lessons and re-enforce important principles of personal finance anywhere if you take the time to look. In the best selling trilogy by Steig Larson, I found quite a few interesting lessons and budgeting boosters.

Brandon Crombar @ Shared Financial Success writes Financial Success Starts In The Classroom – Every college and university should require their students to be introduced to personal finance basics. Classes like the one I had help young adults manage their money better.

Eddie @ Finance Fox writes 8 Tips to Save Money on Gas – If you’re looking for some ways to shave a few dollars off your household spend, one possibility is to spend less on gas, by following some of these fuel economizing tips.

Crystal @ Budgeting in the Fun Stuff writes In Praise of Hand Me Down Toys – I’ll admit it. I’m a cheap (but proud!) Aunt. One of the older nieces hands down her toys to the youngest via me.

Jen @ Master the Art of Saving writes How to Setup Daily Transfers at ING Direct – After mentioning numerous times that I setup daily transfers to help us save money, I figured it was time to share how to do it for those who don’t already know as well as any easy way to keep track of them. It’s quick, easy and a great way to get started saving money.

Daisy @ Add Vodka writes Six Annoying Work Personalities We Could All Do Without – Since being thrust into the office work world in March 2011, I’ve noticed some pretty annoying office behaviours that I think are both mind-blowingly aggravating as well as comical.

Jon the Saver @ Free Money Wisdom writes Buy Disability Insurance or Go Broke! – Disability insurance is a topic that most people don’t know much about. It can protect your income in times of crisis during your life!

Steve @ Money Infant writes Getting Back on Track After a Financial Train Wreck – It took ruining my marriage and the destruction of my credit to get me to realize how I was managing my finances was unsustainable.

A Blinkin @ Funancials writes Friends Don’t Let Friends Ignore Inflation – Lets say you have two friends. One of your friends keeps stealing money from the other. Wouldn’t you feel an obligation to warn your one friend about the other? Of course you would! It’s the same obligation I feel when I think about your money and inflation.

Corey @ 20s Finances writes My College Mistakes Everyone Should Avoid – My college experience was a blast and I learned a lot of financial lessons the hard way. I believe college students grow and mature faster as college students then most other times in their life. Students arrive on campus pumped up for all the good times to come, so oblivious to their responsibilities.

MMD @ MyMoneyDesign writes Another Expense Reduced – Refinancing Your Auto Loan – I just lowered another monthly expense by refinancing my auto loan at 2.25% and saving an immediate $30 per month. There are many opportunities out there to reduce your bills. Are you taking full advantage of them?

Hank @ Money Q&A writes Five Creative Ways To Fund Your New Small Business – So, what does a small business owner have to do to find funding for his or her business? Get creative to fund your new small business. It takes a lot of guts to run a small business these days.

Amanda L Grossman @ Frugal Confessions writes Keeping All Your Eggs in One Basket is Risky – My sister and I used to gather eggs from our henhouse for breakfast.

Kevin @ Thousandaire writes How To Turn Your House into Income – If you want to make some money off your house, consider renting out a room. That way you keep your place to live and make some money of it at the same time.

YFS @ Your Finances Simplified writes How Friends Can Ruin Your Finances – Have you ever had the kind of roommate that eats everything in the fridge even though he didn’t buy the groceries, or come up short on rent and ask you to cover for him? Most guys are familiar with the slacker roommate or flakey friend who is always a …

Tushar @ Start Investing Money writes Why Do Companies Have IPOs? – Read about the reasons why companies have IPOs. If you were every curious, here are the reasons.

KT @ Personal Finance Journey writes Money Saving Tips when Hiring Movers – If you are like me, you detest moving. I stayed in an apartment two years longer than I should have because I so dislike the moving process. Still, most Americans average 11 moves in a lifetime. If you are planning to move soon, take advantage of these tips to save money hiring movers: Check Yelp.com.

Pat Huddleston @ Investor’s Watchblog writes Website + Seminars = Trouble – The Dangers of Seminars trying to get your money.

Suba @ Broke Professionals writes Five Things You Must Know About Freelancing – Freelancing can be a path to professional freedom, but if you’re not careful, life as a freelancer can complicate your finances.

Jeremy Waller @ Personal Finance Whiz writes Credit Cards Are Dangerous: The Psychology Of Paying With Cash – Over the years I’ve discovered that knowing how to manage your money is only 20 percent of the picture. The biggest part, by far, is the mental battle. If I could sit down with you for 1 hour I could teach you everything you need to know to budget your money, pay off debt, invest and retire well…

Luke @ Learn Bonds writes 10 Year Treasury Going to 1%? – Bond fund manager Robert Kessler making the case that the end of the bull run in treasuries is not over, and in fact could have a lot farther to go. Here are his main points…

Shaun @ Smart Family Finance writes Should Families Buy a House or Rent an Apartment: The Risks of Homeownership Compared to Renting – Understanding the risks of homeownership can also help you implement strategies to reduce those risks.

Ashley @ Money Talks Coaching writes Why the Roth is Better Than a Traditional IRA – The difference between Traditional IRAs and Roth IRAs are taxes.

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

Jon Rhodes @ Affiliate Tips writes How To Make Money With E Books – This post illustrates ways to make money online by selling e-books. It also discusses how to make an e book, and where you can sell it.

SFB @ Simple Finance Blog writes Choosing The Right Life Insurance – Buying Life insurance is an important choice that many people delay because of the overwhelming amount of options and lack of facts.

Dividend Ninja @ The Dividend Ninja writes Dividend Fund Managers Are Buying Apple? – written by Hank Coleman Mutual fund managers are getting confused. It seems like more fund managers are deviating from their fund’s stated focus and suffering from style drift in order to own one of the hottest stocks of the past decade. More than 40 dividend funds have recently bought shares of Apple even though the company does not yet issue a dividend.

Jeremy @ Modest Money writes Folly Of Paying Someone To Cook For You – As I start preparing my income tax documents for last year, I have been struggling to come to terms with how I managed to waste so much money. Not only did I manage to spend a lot of money, I also have very little to show for it. One major expense was a vacation I took last year, but that doesn’t come close to accounting for all the wasted money. A bigger expense that I need to accept is dining out and take out food.

FG @ Financial God writes How Kickstarter and the Point Are Great Ways to Give to Others, and Sponsor Some Really Cool Projects – Have you ever used Kickstarter or The Point before? These are a couple of pretty cool websites that are changing the face of charitable giving, and encouraging entrepreneurship by making it easier to support projects and sponsor creative works of art. The way that these sites work is that you “pledge” your support for certain projects.

Jason @ Work Save Live writes Athletes That Went Broke & Wondering Why We Enjoy Their Downfall – The idea for this post came from an article I read online about Allen Iverson being the next big name athlete to go broke.

101 Centavos @ 101 Centavos writes Prospect Generators in Mining – The Global Outsourcing Trend Continues – American Airlines is looking for partner airlines to manage flight route out of the U.S. Oil and Gas refining companies outsource their engineering,…

Wayne @ Young Family Finance writes Eating Healthy Can Save You Money – Believe it or not, eating healthy can save you money. Find out how by reading this article.

Aloysa @ My Broken Coin writes My Mother Was a Mail-Order Bride – People often ask me how I came to the United States. Sometimes they give me an unpleasant smirk, wink at Beaker, my American husband, and say nothing but imply a lot. Sometimes they go as far as measure me up and down, and blatantly ask me if I was a mail-order bride.

Andrea @ Nickel by Nickel writes On lifestyle inflation – What is lifestyle inflation and how do you avoid it

Paul Vachon @ The Frugal Toad writes A Guide to Tax Credits for Education – With the cost of college increasing an average of 7% per year, tax credits such as the American Opportunity Credit and the Lifetime Learning Credit can help to defray some of the cost. A four year college degree continues to be a good investment, however cost dictates that one take advantage of financial aid and tax credits. Below is a summary of the current tax credits and deductions that are available.

Kraig @ Young, Cheap Living writes Does Clutter Cause Stress? – I reflect on my apartment, office at work and my car on how their sense of simplicity and lack of “stuff” calms me. How does your living and working spaces make you feel?

Echo @ Boomer & Echo writes Why Leasing A Car Makes Sense For Young Families – Let me start off by saying that young families shouldn’t be fooled by lower lease payments. There are, however, some advantages to leasing a car.

Dave Hilton @ Debt Black Hole writes My Infamous Cereal Aisle Meltdown – How do you react to things when you’re dealing with severe financial stress? Ever freaked out over something silly? Here’s one of my stories…

Mike @ Rewards Cards Canada writes MBNA WorldPoints MasterCard Review – The MBNA WorldPoints MasterCard is a no fee card that still offers generous rewards points and the flexibility to redeem your points for pretty much anything you want.

Mike @ Rewards Cards USA writes Annual Fee Credit Cards Might Be Worth The Cost – One of the bits of advice consumers are often given about credit cards is to avoid those with annual fees – at all costs. In some cases, though, annual fee credit cards can be worth the cost.

J.P. @ Novel Investor writes First-Time Home Buyer Credit – Is It Time To Repay? – The first-time home buyer credit provided tax help to anyone who was eligible. The bad news is, it may have to be repaid.

Ken Faulkenberry @ AAAMP Blog writes I Lost 100% of My Investment and I’m Happy I Did! – Investors should analyze their investment mistakes, identify the reasons for the mistakes, and memorize the lessons that will prevent future mistakes.

Earth and Money @ Earth and Money writes Favorite Personal Finance Books – These are all timeless books that I would recommend to anyone looking to learn more about personal finance.

Kari @ Small Budget Big Dreams writes Clutter Causes Financial Chaos? – Does clutter cause financial chaos? Take back your house and take back your finances, by clearing clutter.