Photo courtesy of Geek Tyrant

After a lifetime of training, personal sacrifice and crime fighting- even superheroes should have the opportunity to enjoy a comfortable retirement! I'm excited to host the 31st Edition of the Carnival of Retirement this week. If you'd like to submit an article or post for next week's edition you can do it right here. Now- here are this week's submissions from a great group of personal finance geeks:

Lance @ Money Life & More writes It Pays to Ask For More – Coke Zero Commercial “And…?” - I can’t count the number of times I’ve gotten something more simply because I asked for more. Don’t get me wrong, I don’t just say “and…” with no reason to back it up and have someone give me free money. You always need a reason and shouldn’t just expect a hand out.

RichUncle EL @ Moneywatch101 writes Time is Money - A post on using time to your advantage to get ahead financially and retiring sooner than later.

J Wayne @ All Things Finance writes 8 Ways To Earn Income When Interest Rates Suck - 8 investment strategies that will generate a much higher income than CDs and money market accounts. Rates are too low to invest your money in low yield products.

Corey @ 20s Finances writes Why Investment Fees Matter - Corey previously wrote about how time is your new best friend. This is all because of compound interest. The more time you have to let your investments grow, the more your money can compound upon itself and grow faster. It almost sounds too good to be true, and unfortunately it is when you look at it in terms of investment fees.

Bridget @ Money After Graduation writes Why I travel - Read my philosophy with respect to traveling and why I love it.

PITR @ Passive Income To Retire writes Want to retire? Answer these 3 Questions! - Find out what three questions every person should ask in preparation for retirement.

Kyle @ The Penny Hoarder writes Earn Extra Cash As a Personal Paparazzi Photographer - Are you an amateur or professional photographer wanting to put your talent to use while earning some money in the process? Here is what you can do to earn extra money.

Invest It Wisely @ Invest It Wisely writes Important Steps in the Home Buying Process - Here are the important steps in the home buying process. See if you agree.

Hank @ Money Q&A writes The Four Of The Best Car Insurance Discounts - Car insurance is an extremely competitive business which is great for the individual consumer. Most car insurance companies will keep their rates low in order to attract and keep consumers.

Ted Jenkin @ Your Smart Money Moves writes Three Ways Credit Card Companies Can Trick You - When the Dodd-Frank Wall Street Reform and Consumer Protection Act was put into place, credit card holders were supposed to benefit from the new

Brianna Baiocco @ http://www.termlife-insurance.com/blog writes How long should I have life insurance? - How long should I have life insurance? Take a look at getting a plan together.

Tushar @ Start Investing Money writes Should You Use the Internet to Explore Investment Ideas? - Why not use all the resources available to you for investment ideas? The internet is a great way to do it!

Roger the Amateur Financier @ The Amateur Financier writes Job Hunting Success - Retooling Your Job Hunt - Some advice on how you reshape your job hunt if you aren't successful, and increase your chances of standing out from the crowd as you do.

J.P. @ Novel Investor writes What Is A REIT? - REITs, for the most part, are traded just like stocks. But there are some unique differences every investor should be aware of before buying.

SFB @ Simple Finance Blog writes How Does Corporate Finance Work? - Corporate finance is the finance of companies and businesses, and the tools used to make financial decisions for businesses. The primary goal of corporate finance is to increase the value of the company. Most corporate finance issues can be broken down into either long-term or short-term goals and decisions. For example, capital spending, long-term financing...

Luke @ Learn Bonds writes Can we Trust Corporate Bond Credit Ratings? - Although there is a lack of trust in the rating agencies after the financial crisis you can still trust corporate bond credit ratings.

MMD @ My Money Design writes Using the Dogs of the Dow to Buy the Best Dividend Paying Stocks - Use the Dogs of the Dow investment strategy to buy the most stable and highest dividend paying stocks available in the market.

BARBARA FRIEDBERG @ Barbara Friedberg Personal Finance writes ARE YOU CUT OUT TO BUY A FIXER UPPER? - The lure of real estate investing is great. This article outlines what it takes to buy, renovate, and resell real estate. Find out if this potentially lucrative endeavor is for you.

MR @ Money Reasons writes Spending Money Fail! How We Spend More Than We Realize - How spending on a car repair cause great financial anguish while the lunches I'd had that week cost even more! It funny what we worry about financially.

Wayne @ Young Family Finance writes The Cost of Being Sick - Being sicks can put a huge strain on your normal life. It can not only cost you a lot of money, but cause social disruptions.

Jen @ Master the Art of Saving writes USDA Guaranteed Home Loan - I knew absolutely nothing about USDA guaranteed loans when we applied for one. So I thought I would share a little bit about what I've learned so far...........

Crystal @ Budgeting in the Fun Stuff writes Student Loan Advice - Check out my student loan advice, see if I can help you.

Jason @ Work Save Live writes Does Canceling a Credit Card Hurt Your Credit? - Should You Consider Canceling Your Credit Card? Nearly everybody on this planet knows that Dave Ramsey is against credit cards; so much so that he shuns the idea of utilizing cards for their rewards and encourages people to CANCEL all of their cards despite the fact that canceling it may hurt your credit.

A Blinkin @ Funancials writes What is Supply Trade Finance? - Supply trade finance is when a company uses a bank (usually an international bank) to facilitate the transfer of goods or services, while also facilitating the payment for said goods or services in exchange. Basically, if you’re a US-based company, you don’t want to pay for goods from China until you are guaranteed they are on their way.

Shawanda @ You Have More Than You Think writes Changing Jobs? Why Cashing Out Your 401(k) Could Be a Costly Mistake - When a job change occurs, many workers cash out their 401(k), which can cost hundreds of thousands of dollars in retirement assets.

Earth and Money @ Earth and Money writes Are We Funding Our Own Demise? - Canadians are funding their own demise by financially supporting companies which create unhealthy environments.

Suba @ Broke Professionals writes 6 Things to Do This Summer to Boost Your Promotion Potential - Here are six things to do this summer to boost your promotion potential!

Ashley @ Money Talks Coaching writes Childhood Money Memories - I went to a financial seminar this past weekend and one of the exercises was to think as far back as you could and tell a 2 minute story about a money memory

Maria @ The Money Principle writes The Limits of Social Acceptability: payday loans and credit cards debt - Payday loans have bad reputation. In this article we discuss some ways in which they can be used reponsibly.

Corey @ Steadfast Finances writes Investing in Real Estate Basics - I am an aspiring real estate investor. I don't have direct experience investing in real estate, but several of my closest friends and family members own at least one rental property. I don't just want to follow the crowd, because most people don't think highly of investing in real estate.

Evan @ My Journey to Millions writes August 2012 Net Worth Update - From July 2012 my net worth increased 2.71% Year to Date my net worth has increased 30.22% From January 2011 to July 2012 my net worth has increased 124.98%

krantcents @ KrantCents writes The 3 Z's of Success - The 3 Z's of Success is twenty-six in a series of articles to help you reach your goal.

John @ Married (with Debt) writes Workplace Stress - The verdict is in – your job is killing you. More specifically, workplace stress is killing you. This means we’ve come full circle from our days as cavemen, when our biggest source of stress was finding food.

YFS @ Your Finances Simplified writes A Few Reasons Why Asset Allocation is Important - When it comes to investing, many people recommend that you diversify your accounts. The idea is to not put all your eggs in one basket.

Sustainable PF @ Sustainable Personal Finance writes Want to Boost Your Savings? Consider a TFSA - One of the most interesting options that Canadians have when it comes to saving money is the Tax-Free Savings Account (TFSA).

JP @ My Family Finances writes Overanalyzing the Numbers behind the Family Grocery Bill - If you’ve ever wanted to see someone over analyze the family grocery bill, this post is for you.

PPlaner @ Provident Plan writes Signs of Dysfunctional Finances - Find out if your finances are dysfunctional. Do you find carry a credit card balance or live paycheck to paycheck? If so, it might be time for a change.

Jennifer Lynn @ Broke-Ass Mommy writes Boo To Those Sneaky Bank Fees - Sneaky bank fees suck, read my recent bad experience with them and why I think they are wrong!

Kanwal @ Simply Investing writes Are Your Investments Making You Money? Are You Happy With The Results? - Are Your Investments Making You Money? Are You Happy With The Results? Will You Have Enough to Retire? Can You Quit Working? If you answered “No” to any of the above questions, then the time to act is now. I know life is busy and it’s easy to put off investing for a few years, but before you know it’ll be too late.

Passive Income Earner @ The Passive Income Earner writes Why Hold High Yield Stocks - High yield investments can play a part in your portfolio. Even though I am a fan of the 10/10 rule of investing which focuses on the growth of a dividend stock,a high yield dividend stock (or income trust) can have a part in a portfolio. In fact, I have high yield investments in my portfolio.

Amanda L Grossman @ Frugal Confessions writes Frugal Cures for Cubicle Fever - I am reading a fantastic book right now that has caused bursts of belly laughter to escape from my mouth at random moments throughout the day.

L Bee @ L Bee and the Money Tree writes The Magic of Compounding Interest on Student Loans - Below is a guest post by Drewski. In addition to being my main squeeze he also used to work as a broker in New York City and currently helps teach brokerage exams. Aside from being uber qualified, as a graduate student he knows first hand the cold fist that is compounding interest.

Ryan @ Early Retirement Investments writes How Much Risk is Involved in Spread Betting? - Really! How much risk is involved in spread betting! Read more to find out...

Sean @ One Smart Dollar writes Credit Unions vs Banks - Which is Best for You? - A lot of people don't know this difference between banks and credit unions. Here is a guide to help you decide which is best for you.

Miss T. @ Prairie Eco Thrifter writes Small Choices Mean Big Gains When Achieving Financial Security - If you can understand the concept of making small choices, on a regular basis, in order to achieve big gains in the future, it becomes easy to change this mindset.

Paul Vachon @ The Frugal Toad writes How to Get the Most From Your Credit Card Rewards - Whipping out the plastic doesn’t sound like the best way to save money, but if used correctly, credit cards can play a role in stretching your budget and getting the most from your money.

Cash Flow Mantra @ Cash Flow Mantra writes Got Lucky with Some Passive Income - Despite my lack of accomplishments (I last published here on July 2nd and mid-May on HubPages), I still managed to earn some money with the blogs and HubPages. So by definition, I am considering the income passive and am thankful for what I was able to earn this month.

Penny Thots @ Penny Thots writes True Passive Income - Passive income is a great goal, but is not one that comes without hard work and sacrifice. As you watch the Olympics, remember that we are simply seeing a small portion of the result of years and years of sacrifice and training that lead up to that moment. These athletes weren’t simply lucky, but worked hard to get where they are. The same hard work is required to truly achieve passive income.

Eddie @ Finance Fox writes Seven High Paying Part-Time Jobs - A part-time job can also be used to increase retirement savings, supplement business income, and an effective way of dealing with stagnant salaries.

Daisy @ Add Vodka writes Why Babysitting is an Awesome Side Hustle - I babysit as a side hustle. I watch two kids that live fairly close to where I work. It works out perfectly, because I get off at 4:00 and I start babysitting at 4:30 a couple of days a week.

Kevin @ Thousandaire writes Social Security Taxes the Poor to Benefit Rich White People - The people who live the longest (rich white people) benefit most from Social Security. We need to stop taxing poor people to give money to rich people.

Jeremy @ Modest Money writes Saving Money By Taking Your Own Lunches To School or Work - If you work outside of the home, you have to supply your own lunch. Unless the executive dining room is at your disposal for free, you are on your own when hunger strikes at lunchtime. Eating lunch in expensive restaurants every day can be fun, but most working individuals have neither the time nor the money to indulge in that habit.

Investor Junkie @ Investor Junkie writes Lending Tree Review - Quick and Painless Mortgage Refinance - When you do sign up for LendingTree be prepared to start accepting calls as well. These banks really do want your business, and LendingTree made the process simple. It’s great that they came to me instead of me having to go to each bank and research for the best rate. It was a time saver and convenient.

Jester @ The Ultimate Juggle writes The Personal Power of Changing a Blog Theme - Change is important in life, sometimes just a little change like a blog theme can greatly change your attitude!

Don @ MoneySmartGuides writes Consumers Are Horrible At Math - Derek Thompson over at The Atlantic wrote a great article titled “The 11 Ways That Consumers Are Hopeless at Math”.

Daniel @ Sweating the Big Stuff writes Top Five Stress-Free Vacation Tips - Imagine having a stress free vacation: nothing too expensive, no crowds, and no worrying about how things are going back at work. Here's how to do it.

Jason @ Live Real, Now writes Prepping for an Estate Sale - At the end of the month, we’re having a massive garage/estate sale. When my mother-in-law died, she left us a lot of stuff. A lot.

Steven @ Grocery Alerts writes Seven Refillable Items - Saving Money & the Planet - A lot of people assume that saving money and saving the planet are two separate goals, yet this isn’t the case. There are plenty of environmentally friendly solutions that can also help you develop a growing savings account.

Teacher Man @ My University Money writes Should You Take a Full Course Load? - Taking a full course load in school will help you get out of school quicker and into the work force, which helps pay off your debt sooner.

Jeff Rose @ Good Financial Cents writes Best IRA Online Brokers - If you’re looking to open an IRA with an online brokerage firm, you have a lot of options. Here are some of the best ones to choose from and why we like them so much.

Jon the Saver @ Free Money Wisdom writes 13 Part-time Jobs With Benefits - Do you want some good news on the employment front? Here it is: you can get employee benefits on many part-time jobs.

Aloysa @ My Broken Coin writes What Would You Take With You in Case of a Fire? - I feel that I became too materialistic, too attached to stuff. If anything dreadful happens to us, I will be devastated by a loss of material things that took years to accumulate. I realize that material possessions are just bits and pieces of our lives and not really us. So if a fire happened, what would you grab first?

Greg@ClubThrifty @ Club Thrifty writes Avoiding the Debt Trap - Recently, my friend asked me for some financial advice. I advised him that refinancing his house could save him tens of thousands of dollars over the long run. Unfortunately, he didn't take my advice and fell into the "Debt Trap."

Steve @ Brip Blap writes How Coaching Can Help You Out of a Rut in Your Corporate Career - Here are 3 key areas that coaching can help you with, whilst helping you get out of that rut and enjoy working again:

Echo @ Boomer & Echo writes The Ins and Outs of No Medical Exam Life Insurance - No medical exam life insurance has higher premiums than a standard life insurance policy, but may actually be less expensive for someone who’s likely to be rated. The tradeoff is in the benefits.

Lazy Man @ Lazy Man and Money writes New Nonsensical Stock Trading Idea: Someone Else Paid a Lot More for It - Since institutional investors had paid a lot more for Facebook, I figured I was getting a better deal than those smart guys. Better yet, they'd probably do whatever they can to try to push the stock up so that they can break even. With this in mind, I ended up buying some FB at around 30.50 and as it continued to drop some more at around 26.50. Facebook stock recovered to around $33 and I implemented a strategy a friend at college had mentioned... selling most of the stock and playing with much

Robert @ My Multiple Incomes writes Why Multiple Income Streams Are Important - I tried explaining to my friend why I would want extra income (as explained below) and she just could not grasp my reasoning. Having extra income and multiple income streams can be great for many reasons.

Greg Field @ NerdWallet writes How Do I Pick a Business Checking Account? - Here is a great article on what you need to consider when opening a business checking account, with our recommendations. Enjoy!

Emily @ Evolving Personal Finance writes Giving Should Exceed Saving? - I recently heard the suggestion that one's savings rate should not exceed one's giving rate. What do you think of this principle?

Glen Craig @ Free From Broke writes 5 Keys to a Frugal Retirement - Being frugal doesn't stop at retirement. In fact it could be even more important. Read these 5 keys to keep frugal in your retirement.

Live Long And Prosper...In Retirement! Subscribe To The Debt Black Hole!

Click To Get Email Updates- FREE!