Carnival of Personal Finance – Happy Days Are Here Again Edition!

by Neal Frankle, CFP ®

The stock market has been especially kind to investors lately. In fact, last week witnessed the S&P 500 breaking new ground – and closing at an all time high of 1614 and change. Over the next few days I’ll be writing more about what may be behind the recent market resilience. For now, let’s just enjoy it (while we can). In that spirit, let’s explore this Carnival Of Personal Finance – Happy Days Are Here Again Edition!

Editor’s Picks:

Here are my personal favorites from this week’s submissions.

#1 -Nothing says “good times” like the kids….am I right? Philip from PT Money presents Going Into Debt for In Vitro or Adoption: Is it Worth it?, and says, “This is a look at three families and what it took financially for them to have children. ”

#2 – Along the lines of joy and children, Peter from Bible Money Matters presents Teach Your Children Financial Independence To Preserve Your Retirement, and says, “If you’d like a solid retirement, it’s best to take your child off the family payroll sooner rather than later. Nothing says peace of mind like kids that are independent! Thanks Peter.

#3 – For most of us, when ever we save a few bucks in tax money it’s a good time. Am I right? Michael Kitces from Nerd’s Eye View presents Is Capital Loss Harvesting Overvalued?, and says, “Capital loss harvesting has long been a staple of investment tax strategy – so much that the Internal Revenue Code has special “wash sale” rules to ensure that the technique is not overly abused. But the reality is that harvesting losses just defers taxes – it doesn’t avoid them entirely – and as a result, the benefit of the strategy is far less than most realize, and often outweighed by the risks!”

#4 – If you like to party and have fun, you might rack up some debts. Mike from The Financial Blogger presents Since When is Paying off Your Debts is a Good Thing?, and says, “Does it always make sense to just focus on your debt?”

#5 These days, having a job – any job – is something to celebrate. Right? Well Green Panda from Green Panda Treehouse presents Jobs to Watch Out For So That You Don’t Get Scammed, and says, “There are certain jobs that you need to watch out for when you’re in your 20s.”

Let’s take a look now at all the other posts to help you keep those good times rolling!

Insurancecarnival of personal finance

RJ Weiss from The Insurance Protection Blog presents Should my Spouse have Life Insurance too?, and says, “When and when not to purchase life insurance for your spouse?”


Krista Maroni from 2 Copper Coins presents Get Rid of the Excess – Make Some Cash, and says, “Simple ways and reasons to clean out the excess in your homes and tighten up your financial situation. ”

MFIJ from My Journey to Financial Independence presents Should I buy a new car or keep the old one?, and says, “Occasionally, I catch flack from people about why I haven’t bought a new car yet. I don’t really feel like buying a new car yet – mostly because I’m cheap and lazy. So who’s right? My cheap lazy self, or my consumerist oriented

vh from Funny about Money presents A Couple of Things I Can Afford to Do Without…, and says, “Plans to drive the car until it falls apart like the Minister’s One-Hoss Shay and to decomplicate my cluttered financial habits.”


harry campbell from Your PF Pro presents Writing Off Moving Costs During Tax Time, and says, “The IRS provides a lot of deductions for hard working Americans like us but a lot of people are unaware of them or maybe scared of an audit. I say bring it on, as long as you have the receipts and proof to back it all up, you should take advantage of every deduction available out there. The ‘moving expenses’ deduction is one of the more valuable ones since it’s above the line, meaning you don’t have to itemize to take advantage of it.”


Ray from Squirrelers presents Everyone Has a Price: The Car Test Drive Example, and says, “For each of us, our time has financial value. In that regard, everybody has a price. A recent offer of a gift card for a car test drive brings to mind that concept.”

Jack from Money Saving Ethics presents Physically Healthy Means Financially Healthy, and says, “Taking care of yourself is one of the best financial tactics you can employ.”

TTMK from Tie the Money Knot presents What Kind of Gift Do You Give to a Couple That Eloped?, and says, “When it comes to spending money on friends and weddings, sometimes we just have to do it. What about when a couple elopes, and there is no ceremony? ”

AJC from How to make $7million in 7 years presents What’s an eco-friendly standard of living?, and says, “This article shows you how to create a fully sustainable standard of living.”

Amanda from My Dollar Plan presents How to Moonlight Successfully, and says, “Some great tips on how to successfully manage a side income.”


Bob from Dwindling Debt presents The Simplicity of Your Credit Score, and says, “Knowing and correcting any credit score issues can save you a great deal of time and money.”

Glen Craig from Free From Broke presents BankAmericard Cash Rewards™ Credit Card – Review, and says, “The BankAmericard Cash Rewards ™ credit card is an easy to understand card that gets even better if you have other accounts with Bank of America.


Amy from Money Mishaps presents 10 Energy Saving Tips for the Coming Summer Months, and says, “A new list of energy saving tips for the hot weather.”

Jules Wilson from Faithful With a Few presents Why We Want to Start a Giving Account, and says, “A giving account is a great way to set aside money in order to be a blessing to someone else. Make sure you have this in place, so you can respond when there is a need.”

Nicole from Grumpy Rumblings presents Ask the Grumpies: 457 vs. 403(b), and says, “State employees often have the option to choose between a 403(b) plan or a 457 plan (or use both!). Which should they choose and why?”

Jack from Money Saving Ethics presents Physically Healthy Means Financially Healthy, and says, “Taking care of yourself is one of the best financial tactics you can employ.”


Dividend Growth Investor from Dividend Growth Investor presents Twenty Dividend Stocks I Recently Purchased for my Dividend Portfolio, and says, “I had an old 401 (k) with Fidelity, which was eligible for a rollover. In early April I cashed out the index funds in it, and rolled the money over into an IRA. After that I decided to equally allocate the money in twenty individual dividend stocks.

Miss T. from Prairie Eco Thrifter presents Should You Invest In a Rising Market?, and says, “Anthony Mirhaydari from MSN Money in an article Bull market or prelude to a bust? also from January feels confident that this bull is about over and that fundamentals look good for another ‘crash’.”

Pete from Intelligent Speculator presents Facebook (FB), Still A Good Buy At These Levels?, and says, “Is this a viable investment?”

Jon from Novel Investor presents Stock Split, Reverse Split, & Your Shares, and says, “You here about companies announcing a stock split or reverse split all the time. What is it and how does that split affect your shares?”

Div Guy from The Dividend Guy Blog presents I Don’t Need More Than Four Ratios To Buy A Stock, and says, “The four ratios I look at before making an investment.”

Real Estate

Rob Berger from Dough Roller presents 8 Ways to Pay Off Your Mortgage Early, and says, “The decision to pay off your mortgage early is a controversial one. But for some who have tackled many of their big financial goals and erased other debt, putting their home mortgage in their crosshairs can make sense.

If you’ve decided to pay off your mortgage early, here are several strategies for saving money and paying the balance quickly.”

Ross from Wallet Hub presents Changes to the Mortgage Interest Tax Deduction, and says, “As budget debates have consumed Washington, eyes have turned towards modifying the mortgage interest deduction.


Sean from One Smart Dollar presents Financial Rules Stay-At-Home Spouses Need to Know, and says, “Most stay-at-home spouses are well aware of these potential pitfalls and are ready for them. What they might not know is that there are various financial rules pertaining to non-paycheck-earning spouses that can hurt or help their bottom line now and in the future.”

SB from One Cent at a Time presents I Work as a Car Cleaner, How to use the Money I Earn for my Future?, and says, “This is the personal finance basic for a low or minimum wage earner.

You don’t need a large pay check to start building your future saving. Low wage earners can start now saving for their future. This is step by step guide to help poor people secure their future.”

Money Management

PK from Don’t Quit Your Day Job… presents Why Don’t You Buy That Used?, and says, “An ode to buying used – because it’s a mystery to me why so many people avoid the practice. Buyer protection, insurance, and a healthy online marketplace means it’s the golden era for used.”


Martin from Studenomics presents How Do You Survive Financially in a Large City Without Losing Your Pants?, and says, “Is it possible to live in a big city without going broke?”


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