Carnival of Personal Finance #258 – Cities at Night

Welcome to this week’s edition of the Carnival of Personal Finance! My name is Adam and I am your host this week. It was an honor reading everyone’s submissions this week. There were a TON!

For a theme this week, I thought about pictures of cities at night. I’m not sure what it is about these types of pictures, but I absolutely love them. So, I hope you enjoy. Thanks for stopping by!

Shanghai, China

Editor’s Choice

Jason from Live Real, Now has a great piece on Garage Sale Management. With the garage sale season well underway, following Jason’s plan can net you a lot of extra cash. You can use that extra cash to GET OUT OF DEBT!

Pop Economics has some great new ways to Trick Yourself Into Saving for Retirement. Personally, I love behavior economics. When I learned about it during my master’s degree, I just couldn’t get enough. Check out this great piece!

Flexo from Consumerism Commentary wants to know, Should We Discourage Students From Attending College? When I graduated in December of 2008 and couldn’t find a job, I often wondered if it was a waste of money and time. Looking back, I wouldn’t have changed anything. I learned so much both educationally and socially.

Los Angeles, California


Craig from Free From Broke presents Organic Food Is Not Expensive, and says, “Reports keep coming out suggestion possible links to problems with non-organic foods. Can you afford NOT to eat organic these days?”

Elizabeth from Modern Gal presents What is an Emergency Fund?.

Paris, France


Kim Snider from Kimmunications presents How to Get Rid of All Bad Debt, and says, “If you follow the guidelines and steps in this article you will have a systematic plan to eliminate your bad debt and get closer to true financial independence.”

Jason from One Money Design presents How Should I Start Paying Off Student Loans, and says, “Many students will graduate with student loan debt this year. Follow these steps to get started paying them off!”

Len from Len Penzo dot Com presents 8 Big Reasons Why You’re Getting an F in Personal Finance 101.

Revanche from A Gai Shan Life presents Lingering Side Effects of Debt.

Chicago, Illinois


Miss Bankrupt presents Is a Housekeeper Worth the Money?.

Miss T from Prairie Eco-Thrifter presents Dress Well On The Frugal.

Amanda from My Dollar Plan presents 10 Budget Wedding Ideas From a Satisfied Bride, and says, “This is a great article for anyone planning a wedding on a budget!”

Endless Gibberish presents How I (and You) Can Use Fandango to Save Money on Movie Tickets, and says, “I write about how I cut the cost of movie tickets from $68.50 to $36.50 for an outing to watch Shrek 4 in 3d for a savings of $32. I use various methods from 2-for-1 deals, discounted gift cards and using coupons bought off eBay.”

Jim from Wanderlust Journey presents International Restaurant Tipping Guide.

Melbourne, Australia


Ben from Money Smart Life presents Six Credit Card Rewards Tips to Maximize Your Points.

Jim from Bargaineering presents How FICO Credit Scores Work.

RJ Weiss from Gen Y Wealth presents How Important Is Your Credit Score?, and says, “It’s safe to say, understanding how credit, credit cards, and your credit score work, can save you over a hundred thousand dollars over your lifetime.”

J. Money from Budgets Are Sexy presents A Great Reminder to Watch Your Credit Card Statements, and says, “Credit card scams can happen to any of us – be on the look out!”

Jeff Rose from Good Financial Cents presents Can I Lower the Interest Rate on My Credit Card?, and says, “Many credit card holders that have high balances were hoping to be able to lower the rate that they have.”

Tim Chen from NerdWallet presents Durbin Interchange Amendment: Precursor to $132 Annual Fees?, and says, “The new interchange fee, or “swipe fee”, regulation that Congress is proposing may not be all it’s cracked up to be. While merchants will be better off, banks will likely pass off the fees to consumers instead.”

New York, New York


Big Cajun Man from Canadian Personal Finance presents Registered Disability Savings Plan the Story Continues, and says, “The continuing case study of my attempts to set up a Registered Disability Savings Plan (RDSP) in Canada for my son. The program has been in place for over a year, but it still has some “teething pains”.

Not Made of Money presents Save Money On Your Next Water Bill With These Tips.

Tokyo, Japan


Darren from MORE than Finances presents Working Overtime – A Blessing Or A Curse?, and says, “What would you do if you were asked to work overtime? How do you decide if working overtime is worth it?”

LeanLifeCoach from Eliminate the Muda presents Money and Loyalty , and says, “To be successful in life maybe we need to take a page from business and build loyal customers.”

Paul from Provident Planning presents How to Start a Corporation in Pennsylvania (and Most Other States, Too), and says, “If you’re looking to start a corporation, this step-by-step guide will show you what you need to do.”

David R. Lampsen from Personal Finance Analyst presents Atheist or Catholic High School Scholarships?.


Silicon Valley Blogger from The Digerati Life presents After I Do My Taxes, How Does My Tax Return Get Processed?

Hong Kong


Sun from The Sun’s Financial Diary presents 2010 SmartMoney Broker Survey.

Helen from Science and Money presents Create Your Own Personal Mutual Fund, and says, “With stock transaction fees as low as $2/trade, is it possible to create your own diversified fund?”

2 Cents from Balance Junkie presents Today’s Markets: Not Business as Usual, and says, “This article looks at some of the factors that make today’s markets and financial system different from the past.”

Kristina from Dinks Finance presents 5 Easy Strategies For Smart Investors, and says, “Here are 5 easy tips to help you maximize your investment strategies.”

Clint from Accumulating Money presents Currency Option Trading.

PT from PT Money presents The Best Online Stock Brokers For Cheap Stock Trading, and says, “Begin investing with a low cost brokerage. Don’t pay big trading fees.”

Money Smarts from Smart On Money presents What Type Of Retirement Account Should I Choose? Traditional IRA, Roth IRA And 401k, and says, “Which account type is the best one, which should you choose for your situation?”

FMF from Free Money Finance presents Why I Invest Like I Do, and says, “A successful reader gives his investing philosophy — which is advice I agree with and follow quite closely.”

Mike Piper from The Oblivious Investor presents 401k Rollover Guide, and says, “An attempt to make a comprehensive 401k rollover resource, covering whether you should do it, how to do it, where to do it, etc.”

Russ from Thornton Wealth Management presents When To Buy & When To Sell, and says, “This is a post about the battle between emotions and logic in the quest to make smart investment decisions. This was prompted by a recent voicemail from a client”

D4L from Dividends Value presents Five Dividend Stocks To Buy On A Dip, and says, “Did May 6th frighten or excite you? I received a few emails from frightened dividend investors letting me know they were getting out of the market, while others asked if this was the beginning of another significant downturn. The first group are destined to always lose money in the market (sell low/buy high) and my answer to the second group was, ‘I hope so!’ Let me explain.”

London, United Kingdom

Money Management

MD from Studenomics presents Planning to Start a Business? Read This First.

Panda Mike from Green Panda Treehouse presents Survival Guide to Recession, and says, “This is how each individual should manage a recession; with a survival guide to recession. The best plans don’t have to be complicated.”

Bret from Hope to Prosper presents A Purpose for Wealth, and says, “What if you want to become a millionaire, so you can live the good life? You probably won’t stay rich for very long, because your wealth doesn’t have a purpose, except to be consumed.”

The Financial Blogger presents What is Your Relationship With Money?, and says, “Find out if your relationship with money looks like your relationship with your ex-girlfriend, with your parents or with your dog!”

Dallas, Texas


Barb Friedberg presents Why I’m Wealthy & My House Is Dusty, and says, “Invest regularly & deliberately to attain wealth. Put time and attention towards what you value; eliminate the unproductive.”

Musings of an Abstract Aucklander presents Mo’ money, mo’ problems?, and says, “If you have the opportunity to make more money for the same amount of work, do it.”

Kevin from Financially Poor presents Make Your Money Work For You.

Real Estate

Jake from Not Rich Yet presents The math behind buying a rental property, and says, “This shows some interesting math behind buying rental properties. Most people find the concept of cash flow positive attractive but have no idea what return on investment they actually get. This article attempts to remedy that.”

Craig Ford from Money Help For Christians presents How to know if you’re ready to buy a home, and says, “Seven questions every first time home buyer must answer.”

Andy from Saving to Invest presents Another 2010 Home Buyer Tax Credit Extension Unlikely Based on Stronger Housing Data, and says, “Unfortunately it looks like the chances of a further extension to the home buyer tax credit are lessening by the day as stronger housing data and focus on reducing government debt and foreclosures emerges. Bloomberg reports that purchases of new homes in the U.S. surged 27% in March, the most in almost five decades as buyers rushed to qualify for the home buyer tax credit. ”

Pittsburgh, PA


VH from Funny About Money presents Good Corps, Bad Corps, and says, “Adventures in customer (dis)service.”

Consumer Boomer presents Things to Know About Comparing Life Insurance Policies, and says, “When it comes to comparing all your options for life insurance, it can be just as overwhelming as a Las Vegas buffet.”

Lucia from moneyStrands presents How To Plan A Garage Sale, and says, “A post on how to make some extra cash and de-clutter your home.”

Mr. Credit Card from Ask Mr. Credit Card presents Anatomy of a Scam.

Lance from Leave Debt Behind presents Avoid These Common Money Mistakes.

Ryan Ayres from The Financial Student presents 10 Lies We’re Told About Money, and says, “A list of some common attitudes and beliefs that are rarely, if ever, true.”

mbhunter from Mighty Bargain Hunter presents Review: Why Are We So Clueless about the Stock Market?, and says, “A review of Mariusz Skonieczny’s new book”

Austin Morgan from Foreigner’s Finances presents How to Pick a Charity, Track Donations and Maximize Giving, and says, “It’s important to donate, but keeping our donations in order can be tricky. This post shows you how to get the most out of your donations without giving yourself a headache. ”

Wealth Pilgrim presents How to Select the Right Roth IRA Beneficiary, and says, “You should pick your Roth IRA beneficiary carefully. Here are a few unusual tips to help you make sure you select the right beneficiaries.”


My name is Adam and I am in debt. Yep, I came out and said it in the first sentence. I hope that shows you how passionate I am about getting out of debt and enjoying life in the process. Join my wife and me on our journey and be sure to contribute to the great discussions. You can get FREE email updates about the site as soon as they are posted. If you would like to hear our whole story, visit my about page. Thanks for visiting!

44 Responses to Carnival of Personal Finance #258 – Cities at Night
  1. Big Cajun Man
    May 24, 2010 | 7:08 AM

    Thanks for the mention I will mention it tomorrow, and have tweeted it as well.
    .-= Big Cajun Man´s lastest post ..Happy Victoria Day =-.

  2. Mrs. Not Made of Money
    May 24, 2010 | 7:08 AM

    Great carnival. Thanks for hosting and including my article. Love the pictures!
    .-= Mrs. Not Made of Money´s lastest post ..Weekly Roundup – 05/22 =-.

  3. Julie @LifeTuner
    May 24, 2010 | 7:15 AM

    Love the pictures. Need read all the articles so I can make more, save more so that I can travel more. Great post.

  4. Craig/FFB
    May 24, 2010 | 8:05 AM

    Thanks for hosting. Great pix!

  5. Funny about Money
    May 24, 2010 | 9:05 AM

    What beautiful photos! I’ve never seen London look that clear…how’d they do that?

    Thanks for hosting, and thanks for including Funny’s latest squib on customer (dis)service.
    .-= Funny about Money´s lastest post ..Carnival of Money Stories =-.

  6. Flexo
    May 24, 2010 | 9:23 AM

    Thanks very much for including my article as an editor’s choice!
    .-= Flexo ´s lastest post ..Discover Bank’s IRA CDs: High Interest Rates, FDIC Guarantee =-.

  7. Jason@LiveRealNow
    May 24, 2010 | 10:49 AM

    Awesome! Thanks for the Editor’s Pick.
    .-= Jason@LiveRealNow´s lastest post ..10 Tips to Help Parents Stay Out of Debt =-.

  8. Forest
    May 24, 2010 | 11:33 AM

    Great carnival roundup with loads of my fave bloggers 🙂
    .-= Forest´s lastest post ..A Pledge To Never Take Credit Again! =-.

  9. Darren
    May 24, 2010 | 11:54 AM

    I’m digging the bright lights in those photos. Thanks for including my post!
    .-= Darren´s lastest post ..Working Overtime – A Blessing Or A Curse? =-.

  10. Broke by Choice
    May 24, 2010 | 1:20 PM

    I love the theme.

  11. Hope to Prosper
    May 24, 2010 | 2:07 PM

    Thanks for including my post in the carniavl.

    I love the pictures of all the cities.


  12. Ben
    May 24, 2010 | 10:59 PM

    Hey Adam, I haven’t visited any of the cities in Asia but I can vouch for the splendor of Paris at night. The view from the Eiffel tower when the town is all lit up is pretty amazing!

    Thanks for putting this cool display together and including my post on credit card rewards.
    .-= Ben´s lastest post ..College Graduate Insurance & Credit Tips =-.

  13. Austin
    May 25, 2010 | 5:58 AM

    Great work, my friend. Tokyo was the coolest out of the one’s I’ve seen. The blinking red lights on the top of the buildings for the planes is unlike I’ve ever seen.

    Very cool carnival idea!

    Austin @ Foreigner’s Finances
    .-= Austin´s lastest post ..Welcome to the New FF =-.

  14. LeanLifeCoach
    May 26, 2010 | 8:55 PM

    Thanks for a great job, that was a huge carnival! Go ahead take tomorrow off and relax now.
    .-= LeanLifeCoach´s lastest post ..Frugal Printing, Is It Possible? =-.

  15. eemusings
    May 27, 2010 | 4:03 AM

    Thanks Adam! Looks amazing, you did a great job.
    .-= eemusings´s lastest post ..Who can say no to a good bargain? =-.

  16. savvysavingbytes
    June 5, 2010 | 11:27 AM

    What a terrific variety of blogs. And your idea of breaking up all that text with dynamic photos of city night scenes was really good. It gives the page lots of pep.
    .-= savvysavingbytes´s lastest post ..Hobnobbing with the Upper Crust at American Ballet Theatre =-.

  17. Marry Park
    July 4, 2014 | 9:06 AM

    Good article! I would take the theme idea for my child also.

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