Personal Finance Roundup

Try as Investors Might, So Much Depends on Chance [Wall Street Journal] “Investors saving for retirement can find mutual funds that invest in almost any kind of asset, but they can’t buy the one thing that will have the biggest impact on their nest egg: luck.”

How to Cut Your Textbook Costs in Half — or More [Kiplinger] “Students have plenty of more-affordable options than the campus bookstore.”

30 ways to save money on a cruise [Smart Spending] “Cruise lines use every means at their disposal to get you to spend more. Here’s how to avoid the traps.”

Why spend $300 a night for a hotel? [CNN Money] “Why spend so much, when you can rent a place, swap houses, or arrange a home stay for a lot less?”

The good life is not only about money [MarketWatch “In difficult financial times, having a sense of purpose is key to staying happy.”