The Wealth Builder Carnival #53

Welcome to the fifty-third edition of The Wealth Builder Carnival. The purpose of this carnival is to collect articles from the blogosphere on building, preserving and keeping enough wealth for a comfortable retirement. For reference, I have tried to keep the carnival content tightly focused on wealth building and did not include submissions that were off topic. For reading convenience, the posts are listed with a brief summary or comment by the submitter and organized into seven categories: Earning, Insuring and Protecting, Investing, Living Frugally, Retiring, Saving and Taxes.

And now onto the Carnival:

Earning

Jim Tolley (aka Kidgas) presents Hondurans Know How to Hustle posted at Cash Flow Mantra, saying, "There is no real social safety net in Honduras so everyone must figure out some way to put food on the table. The entrepreneurial spirit is alive and well mainly out of this necessity."

Jim R. presents How to Find Where the Jobs Are for An Occupation posted at Free By 50, saying, "If you're job hunting or considering a new career then it is a good idea to know where jobs are located for the field in question. Today I'll show you how to find out how many jobs for a given occupation are in individual states and metropolitan regions."

Investing

Kanwal Sarai presents Why I Started Investing On My Own posted at Simply Investing Blog, saying, "Here’s my story on how I went from being dependant on others to independent, from losing money to making money."

Dividends4Life presents 15 Dividend Stocks With A 15% Yield In 15 Years posted at Dividend Growth Stocks, saying, "Who wouldn't like to earn a safe 15% on their original investment? Normally double-digit returns are the fodder of con artists or associated with extraordinarily risky investments. In either of these cases, the person is usually left holding despair in one hand and an empty wallet in the other. However, I have discovered that you can actually enjoy high yields with minimal risk..."

Mike Piper presents When to Use a Financial Advisor posted at The Oblivious Investor, saying, "Given that investing is (for the most part) fairly simple, under what circumstances does it make sense to use a financial advisor?"

Jonathan from Debt Loans presents Common Mistakes New Investors Should Avoid posted at Frugal Living, saying, "Investing is an exciting and potentially profitable venture, but as with almost anything in life: where there is profiteering, there are scammers and mistakes. To help you avoid these costly errors, however, the following guide will help kick start your investing without making you spend a dime."

Jessica Bosari presents Retirement Savings: Now is the Perfect Time to Panic posted at Billeater, saying, "Only half of workers are enrolled in retirement savings accounts. If the market has you spooked, consider one of these retirement investment options."

Living Frugally

Jonathan from Debt Loans presents Waste Not, Want Not ? Part Two posted at Money Mum, saying, "These easy to do tips and recipes should help to change the way you look at your leftovers. Where once you may have opened the fridge door and seen food to be disposed of, hopefully, you’ll now see opportunities for a fantastic frugal meal."

Jonathan from Debt Loans presents Saving on Energy Costs: Simple Ways to Save posted at Wallet Watcher, saying, "Overall, you should notice how some small items can make a difference in your energy costs. There is much more to learn about saving on energy – and its costs in your home."

Ramsay presents Financial stewardship is not a one person job posted at Wealth Management, saying, "It’s troubling to see so many families these days in which only one person is involved in the day-to-day financial decisions. Additionally, many families have one individual responsible for all the family finances."

Jason P. presents Envelope System: Budgeting Best Practices posted at One Money Design, saying, "Closer look at envelope system and when it works best and when it might be more challenging to use."

Chelsea Prescotti presents How To improve Your Credit Score posted at CreditScore.net, saying, "Saying that your credit score plays a vital role in whether you can apply to acquire further credit, obtain reasonably priced car insurance, or take out a small business loan for example is a bit of an understatement. It plays an enormous role and it is something that shouldn’t be taken lightly. In short, a credit score helps lenders and credit card and insurance companies, for example, determine the risks involved in lending a borrower/applicant money, credit, or insurance respectively. It also helps lenders and other agencies determine the specific amounts, rates, and terms and conditions to offer a borrower/applicant."

Retiring

DJ presents The Pros and Cons of Annuities posted at The Family Wallet, saying, "If you’re considering getting them, here are the pros and cons of annuities."

Lazy Man and Money presents Determining Your Retirement Expenses posted at Lazy Man and Money, saying, "My expenses in retirement won't be the same as they now. With that in mind, I thought it was worth taking out a crystal ball and attempting to predict how some of the costs may change in 30 years."

Tim @ Faith and Finance presents 2012 401k, 403b and IRA Contribution Limits posted at Faith and Finance, saying, "2012 contribution limits for 401k and 403b accounts are increasing along with some other important figures you should know about."

Mr. Money Smarts presents Reduce Your Debt And Save For Retirement posted at Smart On Money, saying, "The best solution for someone struggling with debt and trying to save for retirement is finding a happy medium between the two. Although decreasing your take-home pay may not be an ideal situation while paying off your debt, you will regret not at least taking advantage of your company match"

Saving

Peter presents How And When To Save For College For Your Children posted at Bible Money Matters, saying, "So how do you avoid the mistakes that that so many others have made and provide for your child’s education costs? In this article we’ll look at a few ways that I recommend using to save for a university degree."

Jason P. presents Steps to Open a Children’s Savings Account posted at Comments for Childrens Savings Accounts HQ, saying, "Steps you need to take to get deposit savings accounts set up for your little one."

Taxes

SteveR presents Make the Best of Your Small Business Tax Deductions posted at 2011 Taxes, saying, "Waiting until tax time rolls around to prepare the necessary documents and get your business’s accounting updated is a struggle waiting to happen."

That concludes this edition. Submit your blog article to the next edition of The Wealth Builder Carnival using our carnival submission form. Past posts and future hosts can be found on our blog carnival index page.

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This is not financial, earning, insuring, investing, living, retiring, saving, tax, or wealth building advice. Please consult a professional advisor.

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