Let’s All Go to the Carnival!

Green Panda Treehouse featured me in this week’s Carnival of Personal Finance. Among the rides she offers are investing advice, saving advice, credit card advice, and debt advice. Don’t forget your E-tickets. The BagLady is hosting the Carnival of Debt Reduction this week. Her links are organized into tips for avoiding debt. Be careful before you enter her hall of mirrors. If festivals are more your style, check out On Financial…
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How to Withdraw from Your Roth IRA Tax Free

As you’ve no doubt seen on other personal finance blogs, the Roth IRA is a wonderful and powerful retirement savings tool. It’s also a wonderful and powerful tool for covering necessary expenses right now, tax and penalty-free. However, there are certain Roth IRA withdrawal restrictions. Here’s how to make sure you do it right. Roth IRA Withdrawal Period You never have to withdraw funds from a Roth IRA, but you can withdraw…
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New Government Short Sale Program

Yesterday, the government announced an additional program under the Making Home Affordable Plan. In light of the fact that some homeowners still can’t afford their homes after a loan modification, the government is now creating a program that would encourage banks to accept a short sale or deed-in-lieu rather than foreclosing. Why Avoid Foreclosure? The simple fact is that foreclosed homes lose value fast. They also decline in condition after the…
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Eat Well for Less: Managing Food Allergies and Intolerances

When you have a food allergies or intolerances, they can be costly to work around. I’m technically intolerant to many foods, including eggs (whites and yolks), three kinds of sugar, soy, milk, and various unusual items. In order to be able to eat well and not have every minute of my life revolve around finding food, I’ve chosen to focus only on the intolerance that makes me very…
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Wedding Songs Featuring Roses in the Belated Blog Carnival Recap

Apologies for the belated recap. I was busy painting my house this weekend and forgot to recap! First, the Carnival of Personal Finance #215 hosted by Good Financial Cents. In addition to my post recounting my long and winding road to homeownership, I also recommend M is for Money’s tips on the unexpected cost of home repairs. Boy do I hear that! Second, the Festival of Frugality #188 hosted by Financial Highway. In addition…
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Checking Accounts, Insurance, and the Holidays at the Carnivals

This week we’ve got four carnivals in the line-up, so I’ll just dive right into them. First, the Carnival of Personal Finance #169 hosted by BankerGirl. In addition to my post about how couples should talk about money, Money Smart Life launches into the debate about joint vs. individual checking accounts. I fall into the joint camp – it’s a joint marriage, and your money is joint, too. Next, the Carnival of Money…
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Six Finance Books to Read Now

If the recent news of financial disasters leaves you wondering how this happened, or makes you want to crawl into a fallout shelter for the next 50 years, you should read these six books right now. Some will inform you on how we got here, and some will help you ensure that your life doesn’t collapse along with the financial markets. Finance Books to Explain How the Financial…
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How the New Home Appraisal Process Works

You’ve probably seen distressing news reports about the failure of the new home appraisal process (called the Home Valuation Code of Conduct) for loans eligible for purchase by Fannie Mae and Freddie Mac. It doesn’t apply to FHA loans or jumbo loans. Since the new system went into effect on May 1, 2009 it has sent home appraisals into chaos. Some deals are falling apart, and appraisers, loan…
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What Should Be In Your Wallet?

Another interesting post from LearnVest this week: What should be in your wallet?  This will, of course, vary by person, but they offer a few pointers for paring down your wallet. You don’t want the exploding wallet a la George Constanza! However, I had to disagree about some things they suggested for wallets, because I either don’t need them or keep them in my purse instead. If I kept…
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Top Ten Financial Frights

Halloween is the season of thrills and chills, but financial frights probably are another story entirely. Here are ten ways to avoid those financial scares that will have you quivering under the covers until Christmas. You’ve Lost Half Your Money in the Market Yes, the market has taken a dive off a very steep cliff. But before you hide in the back of the closet, consider this simple…
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