Sunday, June 16, 2013

Carnival of Retirement - Dividend Investing Edition

Welcome to the 74th edition of Carnival of Retirement. The articles below show a variety of opinions from various bloggers on the topic of retirement. As many of you are aware, at this site we focus on dividend growth investing as a means to an end, the end being achieving financial independence in retirement. The articles below show investing ideas and retirement ideas from other points of view, which are not necessarily limited to dividend investing.

The articles are included below:

Michael Kitces @ Nerd's Eye View writes Why Planning To Save More Tomorrow And NOT Today May Be A Better Approach - Recent research suggests that perhaps the real key to saving for retirement is not about cutting your spending today to save more, but instead to simply maintaining your current lifestyle and not increasing it in the future... which, over time, produces a more frugal lifestyle and rapidly rising savings, without giving up anything you enjoy today!

SB @ One Cent at a Time writes Planning for Retirement: Ideal Asset Allocation for your Age - Your age, or more specifically the number of years you have until you retire, is one of the main factors to consider when deciding how much you need to secure your future. This article talks about ideal retirement portfolio as per your age group.

Michelle @ Diversified Finances writes What is Financial Independence? - What is Financial Independence? This might be something that you are wondering. Different people have different meanings for this. For example, if you are younger, it might just mean financial independence from your parents, in which you start paying things on your own.

Roger Wohlner @ The Chicago Financial Planner writes Winning The Retirement Gamble: Step 2 Where Do I Stand? - No matter whether you are a 20 something with many years to go or you are in your 50s with retirement on the horizon, it is important to periodically take stock of your resources for retirement. What have you accumulated, how much are you saving, and what other resources do you anticipate having available to fund your retirement? You need to ask: Where do I stand?

Dividend Growth Investor @ Dividend Growth Investor writes Is the Dividend Craze Over? - I buy the stock in companies, which I believe will manage to increase earnings over time, and as a result they will be able to pay me a consistently higher dividend payment. The stock prices could fluctuate, but unless we get to see crazy valuations like the ones we saw in the early 2000s it makes little sense to sell them.

Austin Fey @ Marotta On Money writes Bucket List: Financial Independence - Most people do not use all their skills at their place of work, so these other skills become hobbies. I am no exception. What I need to pursue these other dreams is financial independence, that is, decoupling my need to eat from my skill as as an artist.

Luke @ Learn Bonds writes Higher Dividend Stocks Still Seem Rather Pricey - When it comes to the overall stock market and high income investments, high dividend stocks are a poor investment relative to other stocks.

MMD @ IRA vs 401k Central writes What are the 401k Withdrawal Rules for Getting My Money Back? - Before putting too much money into your employers retirement plan, it helps to understand the 401k withdrawal rules and when you'll see your money again.

MMD @ My Money Design writes My Broker Lets Me DRIP Stocks – Why That’s Great - I recently found out that my account has a feature to DRIP stocks. This is great news because it means I'll be able to put the dividends to work and accelerate building my fortune!

Ted Jenkin @ Your Smart Money Moves writes Are You Worried About A Stock Market Crash Again? - With markets hitting all-time highs this year, many people have become concerned that we will see a repeat of dot-com bubble crash in 2000 and the recent 2008 market crash.

Irfan @ Everything About Investment writes Best Roth IRA Providers of 2013 - When selecting a Roth IRA account providers, individuals consider a lot of factors and expenses such as trading fees, transaction costs and commissions per equity trade. Here we have highlighted the best Roth Ira account providers of 2013 for you to choose from considering all the factors.

A Blinkin @ Funancials writes Housing Soars 10.9% As Inflation Remains Subdued - The leading measure of U.S. home prices showed that the national average rose 1.2% over the 1st quarter of this year. More impressive (or concerning?) is the 10.2% increase we have experienced, as a nation, over the last 12 months. A composite of 20 major metropolitan areas showed an increase of 10.9% over the last 12 months.

Tony @ We Only Do This Once writes How to Reduce Financial Stress - My finances are one of the things in my life that has the potential to stress me out the most. In my quest for a stress-free life (HA!)— enhancing my productivity, furthering my career, creating routines, etc. — I have found that addressing my finances has helped keep my overall stress to a minimum.

Matt Becker @ Mom and Dad Money writes My Personal Investment Plan - An overview of how my wife and I have implemented our personal investment plan. My hope is that this information helps you think about how to implement your own plan.

Everything Finance @ Everything Finance Blog writes 5 Golden Rules for Investing in Annuity - If you’re considering investing through annuity, what things must you consider? Here are 5 golden rules for investing in annuity.

Russ Thornton @ Wealthcare For Women writes Information Is Not Enough - An explanation of why more or better information isn't enough to help us make smart financial decisions. For example, why do some doctors smoke? Certainly they know it's not good for them. It's not about information; it's about behavior

Brent @ PersonalFinance-Tips writes 5 Best Housing Markets for the Current Boom - The housing market has definitely rebounded in 2013, with levels of optimism not seen since before the recession took hold in 2008. A study by Rasmussen says that nearly 40 percent of Americans believe their home will increase in value in the next year, and nearly 60 percent believe their home is worth more than when they bought it.

CAPI @ Creating a Passive Income writes What You Need To Know About Dollar Cost Averaging - If you aren't familiar with dollar cost averaging things can seem confusing. Read here to see what dollar cost averaging is all about - it could help.

John S @ Frugal Rules writes How to Invest in Stocks When You Do Not Know Where to Start - Investing in stocks, or anything in the market, can be overwhelming for many. The key to overcoming that fear is knowing where to start and educating yourself so that you can set up an investment portfolio that’ll help you grow your wealth and reach your long-term retirement goals.

Investor Junkie @ Investor Junkie writes Edward Jones Review - Is a Full-Service Broker Worth the Price? - Unlike many discount brokerages available online, Edward Jones is a full-service broker. So what really comes with this type of service, and is it worth paying a little more?

Don @ MoneySmartGuides writes Understanding Inflation - What exactly is inflation? It's a subject that sounds more difficult to understand than it really is.

John @ Card Hub writes Ask the Experts: How to Maximize the Impact of Charitable Donations - Despite the recent economic turmoil, Americans have continued to display an altruistic streak, donating billions of hard-earned dollars to noble causes each year. While the cynics among us will chalk that up to the accompanying tax benefits, it doesn’t really matter as long as the money is being put to good use. But that’s the crux of the issue: How can we make sure our charitable donations actually get to those who truly need the money, rather than executives’ pockets or, worse, fraudsters.

Anton Ivanov @ Dreams Cash True writes Money Saving Tips – Pay Yourself First - Saving money may seem like a big challenge, especially if you are caught up in the spending frenzy of our consumerist society. But if you cool down and think, it’s not difficult to find ways to save money. Adopting the Pay Yourself First principle is a great way to boost your savings.

Melissa @ Minting Nickels writes My Roadmap to Becoming a Better Investor - As an investor, I’m constantly looking for ways to improve myself and improve my investment returns. Last year was somewhat of a disappointment, so this year I’m gonna kick-ass Rambo style to make up for last year’s shortcomings. In the following year, here are 4 things I’m going to do to improve my investment style (and how you can mirror my improvements).

Tushar @ Start Investing Money writes Could You Invest More Cash if You Were Self Employed? - It's an interesting question isn't it? Plenty of Americans are employed with businesses of all sizes, but in recent years there have been an increasing number of self employed people carving out their own businesses as well.

Thomas @ Finance Inspired writes How to invest in private companies - Heres a quick fire lesson in Angel Investing, what it is, how to go about it and more importantly how to profit from it.

Lazy Man @ Lazy Man and Money writes A Chink in Index Funds' Armor? - I got my July 2013 edition of Money Magazine yesterday and on page 43 there is an interesting article about balancing a lopsided index fund. So Money Magazine asks the question, "Is it time for you to rethink indexing?" They quickly answer it with a no. The next thing they suggest is Vanguard FTSE All-World ex-US ETF. Their theory is that you can "cover a broad spectrum of domestic and foreign stocks" with just those two. I respectfully disagree.

Bill Fay @ The Frugal Toad writes Why You Should Start Saving for Retirement Now - Today is the day we’re going to clean out the garage, weed the garden, paint the kid’s bedroom — and start saving for retirement. Those all are chores that we know should have been done yesterday, but we think can wait until tomorrow. The garage, bedroom and garden can wait. Retirement savings can’t.

Jason Hull @ Hull Financial Planning writes What Does the Future You Think? - Studies show that if we look at images of our future selves, we save up to 30% more than we would if we didn't. Here's how to get in touch with your future self so that you don't blow all of your money today.

Jacob @ My Personal Finance Journey @ My Personal Finance Journey writes What Asset Allocation Level Should You Use for Treasury Inflation-Protected Securities (TIPS)? - This post analyzes and answers the question: “what level, if any, of your portfolio should be allocated to Treasury Inflation-Protected Securities (more commonly referred to as TIPS)?”

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