Write-offs for sales/state income tax has expired. That means those with state income taxes have to pay tax on that money twice?

2. Stop Buying Stuff & Refurbish Things

Interesting ways to re-use old things. For the author, it serves two purposes: saving money and allowing her to have “new” stuff when that spending money urge strikes

3. I Was in a Facebook Fist-Fight

Who knew extended warranties on cell phones were a controversial topic? “People think there is a 50% chance of them damaging their phone when, in all actuality, it’s closer to 5%.”

4. Credit is Not the Enemy – You Are

Best quote: “People need to stop placing the blame on others, including credit issuers, and recognize that they are their own worst enemy.”

5. 3 Rules for Hitting the Target

“Plan one month at a time.” – Breaking a larger goal into smaller ones has definitely helped us stay on track. 

6. Get Your Children Off to the Best Financial Start

A few good tips for teaching kids to save money.

7. Five Reasons to Give Up Goal Setting

Should you give up setting goals?

8. Additive vs. Multiplicative Thinking About Money

This isn’t the most practice article, but it is an interesting article on the way we think about money.

9. 10 Ways to Protect Your Financial and Personal Information When Shopping Online

Best tip: “Don’t click on links when you don’t know the source of the email, social media message or e-card.” If you’re not sure, don’t click it!

10. Why Aren’t People Applying for Mortgages

With mortgage rates so low right now, an interesting article about why people still aren’t applying for mortgages.

2. What Makes Debt Socially Acceptable?

3. 6 Step Plan to Dominate Your Debt
Not a whole lot of new information here, but sometimes it’s good to have a list.

4. I Think I Figured Out Why Frugality Is So Popular
Perfectly sums up the reasons “getting out of debt” and “weight loss” are our favorite topics to read about…but never actually do.

5. 3 Steps to a Quick Turnaround
Another “get out of debt” article. I like that he doesn’t gloss over the difficulties, but outlines some good steps to get started.

6. How to Organize Your Pantry and Save Cash

7. 5 Ways to Slowly but Surely Become a Millionaire

8. 7 Surprising Facts About Roth IRAs

9. Voluntary Slavery

10. 10 Steps to a Happier Life
Favorite: #1. “Lighten up! Don’t get your panties in a wad about every little thing thathappens.”

1. College graduates need to handle student loans wisely.

2. The best college values.

3. Holidays . . . Money . . . Love . . . and the budget.
Larry: don’t buy electronics!

4. VIDEO: Should I save for retirement or my kids’ college? Uhhhhh…RETIREMENT FIRST!

5. Bernanke: More fed easing possible…

6. Here are 5 stocks to put in your kids’ stockings. Interesting idea.

7. Take Kiplinger’s Holiday Tipping Quiz I got 8 out of 10 correct. See!…I’m a good tipper!

8. Why a high-dividend stock strategy isn’t a good approach. I would like to see the returns for the strategy. This article basically addresses volatility.

9. Scrooge’s take on the stock market.

10. Could inflation be a good thing?

1. A shoppers guide to Black Friday.

2. The true cost of bottled water versus tap water. We buy Ozarka water because the water has no taste. Water should not have a taste.

3. Five ways to spruce up Thanksgiving without messing up your budget.

4. Cap from Stop Buying Crap: I like my bank because they haven’t screwed me over yet.

5. Planning your budget and the benefits of forward thinking.

6. How much debt is too much? In my opinion, if your carrying a balance on your credit card, then it’s too much.

7. State minimums for car insurance.

8. Nouriel Roubini talks, people listen. “The problem with economic and market forecasts is that there are no good forecasters. Yet, every day the financial media broadcasts and prints forecasts from the latest gurus — forecasts that are the financial equivalent of astrology.”

9. Allan Roth is the best: Annuity Industry Gets Name Makeover.

10. Reality TV meets the job search. It’s sad that looking for a job can be considered entertainment.

2. The 50/30/20 Budget. Needs/Wants/Savings. They left out tithing/charity.

3. Here are six frugal tips from billionaires. A billionaire driving a 15-year old truck. Why?

4. Financial advisors show poor market timing.

5. Investment pitches to avoid. General advice but for the most part, I agree. I do like her question to ask advisors: “…how much will you make by selling me this product and what are my cheaper alternatives?”

6. Seven costs to eliminate if you’re getting ready to retire. Jean’s practical.

7. Does your spending reflect your values? Always (whether you like it or not).

8. A good discussion with Kyle Bass concerning worldwide debt.

9. Older workers are losing faith in their 401(k) plans. This quote related to younger workers made me scratch my head: “Younger workers, however, report that their 401(k) will eventually hold enough to finance 39 percent of their retirement expenses. They expect Social Security to pay for just 20 percent of their retirement costs.” Hmmm…what about the other 41% of retirement needs? Where’s that money going to come from?

10. FMF: Why I buy new cars. I like new cars too. I know, I know…

1. Why Economy’s Growth Isn’t Easing Unemployment. “A growth rate of 5 percent or higher is needed to put a major dent in the nation’s 9.6 percent unemployment rate.”

2. Kirk Kinder: Why My Wife Will No Longer Shop at Target. Regardless, I can’t imagine going to Walmart over Target. Our Walmart is disgusting.

3. Meg: Projected Long Term Stock Returns: 5.2%.

4. Here are Six events that could trigger your retirement.

5. What’s better: a cap-weighted or fundamental-weighted market index?

6. The true cost of being your own boss.

7. How to cut $343 billion from the federal budget (via Don’t Mess with Taxes).

8. 4 expert tips on how to write a résumé. The left out the part about keeping it short and simple.

9. Is International Diversification Worth the Costs? Yes, as long as you keep expenses low.

10. College Tuition: What Students Are Paying Today. “College tuition prices continue to stubbornly increase, according to new statistics released today by the College Board, but here’s the semi-good news: you probably won’t pay these sticker prices.” This is what’s so frustrating about college.

Enough about me. Now it’s time for this week’s Ten for Tuesday.

1. Here is Morningstar’s moderate ETF portfolio for retirees. I might dedicate an entire post to this one.

2. Kirk Kinder asks: Could the mortgage mess crater the economy?

3. 8 Crucial Money Lessons for Teens. I like this article.

4. While we’re on kids and money, check out this interview with Jean Chatzsky over at WalletBlog.

5. Larry Swedroe writes: Stocks rallied in September but many people missed it.

6. Is a master’s degree really worth it?

7. Thomas Sowell on government greed.

8. Kimberly Palmer has 5 best ways for young people to give back. Kimberly sent me an email last week to let me know about her new book, Generation Earn: The Young Professional’s Guide to Spending, Investing, and Giving Back*.

9. How fee disclosure will impact your 401(k).

10. 7 myths about Roth IRA conversions.

*Affiliate Link

1. Kool aid from the gubment. (Swim Upstream to Wealth)

2. More men are filing sexual harassment charges. (Kiplinger)

3. Would you marry someone who was deep in debt? (FreeMoneyFinance) My response: no. I don’t think you should marry for money but I also don’t think you should marry for no money either.

4. When dollar cost averaging makes sense…and when it doesn’t. (Larry Swedroe)

5. There is no free lunch. (Wisdom Journal)

6. How to care for your shoes. (Jezebel via WiseBread)

7. Know what you’re saving yourself from. (MightyBargainHunter)

8. How to save money on a tailgate party. (GenXFinance)

9. Got a high schooler? Here are 6 things high school juniors need to do now. (Lynn O’Shaughnessy)

10. Finally, The Money of Fools – Part I. The other parts in the series can be found here. (Thomas Sowell)

1. First off, Moolanomy is hosting a giveaway. The winner of the giveaway will get a $150 gift card. That’s a nice giveaway!

2. The Unintentional Housewife’s Budget Tip #3: Use Cash

3. Don’t let life get you down. Instead, Swing Away

4. Budgets Are Sexy has 5 things he feels kinda bad about.

5. Jonathan take a look at a variable annuity fee breakdown.

6. Jill has 5 steps to building and keeping good credit.

7. FMF: This couple is killing me.

8. Larry Swedroe likes The Coffeehouse Investor. So do I.

9. Are you broke? Try budgeting.

10. Finally, Emily writes about the important role that the employer match plays in retirement planning.

1. Are you misplacing hundreds of dollars?

2. You can’t beat index mutual funds.

3. Speaking of misplacing money… here is how you can find lost money.

4. Here are 8 ways to stretch your paycheck.

5. You don’t need a financial advisor. Maybe. Maybe not. More important: you don’t need the WRONG KIND of financial adivisor.

6. Reading the mind of a college admissions officer.

7. Ron’s top 5 personal money mistakes.

8. Here are some Money Myths.

9. Why international diversification is important.

10. Finally, we have Jean Chatzky talking about teaching your kids the value of money.

Enjoy! Back next Tuesday with another edition of Ten for Tuesday.