Carnival of Financial Planning - November 29  2008 Edition

Personal Finance Blog Financial Articles

Welcome to the November 29, 2008 edition of the Carnival of Financial Planning.

The Carnival of Financial Planning takes a long-term view of personal financial planning for individuals and families. We focus on efficient and sustainable personal financial planning practices that can lead to lifetime financial security.

This edition is arranged by subject heading, so that you can browse efficiently.

Enjoy!

The Skilled Investor

Budgeting

martin d presents The Sale Trap posted at studenomics.com.

Beth Dargis presents A Less Expensive, More Meaningful Christmas » My Simpler Life - Simple Living posted at My Simpler Life - Simple Living

Pasadena Financial Planner presents Living Expense Tracking Methods posted at Pasadena Financial Planner.

Economics

Dan Green presents What Deflation Does To Mortgage Rates posted at The Mortgage Reports, saying, “Sometimes, a picture is worth a 1,000 hours of analysis on CNBC.”

Estate Planning

KCLau presents If either one of the joint-account holder dies, who gets the money? posted at KCLau’s Money Tips, saying, “Let’s say you have a joint account with your spouse in a local bank. Due to an unforeseen accident, your spouse passed away (touch wood). Are you entitled to withdraw all the money in the account, say RM100k? The answer is not simply a “yes” or “no”. It actually depends on the bank’s rules and regulations. What I learn is that there are three possibilities.”

Financial Planning

Shaun Connell presents How to Invest in Stocks posted at Financial Planning, saying, “Free tutorial! Want to invest in stocks? Learn what you need to know in five steps, and you’ll be investing in no time.”

Curt presents Staying Positive, Yet Realistic posted at PennyJobs.com.

GreenBridge Advisors presents Forget New Years, Start Making Your Financial Resolutions Today posted at Let’s Blog Money, saying, “The end of the year is almost upon us, and many people plan for everything from vacations to reunions, holiday parties and gift exchanges, and of course their new year’s resolutions. Personal finances generally take a back seat or just a quick thought when making resolutions. Perhaps it is time for people to start making their financial resolutions more frequently to better get their financial house in order.”

Wally Bock presents Planning for emergencies posted at Momentor.

Martin Russell presents A Cautionary Story Of A Financial Adviser posted at Word of Mouth Marketing, saying, “What would you think of a financial adviser or stockbroker who had told you to get out of the stockmarket and into cash back in June/July of this year?”

Tushar Mathur presents Count the number of US banks collapsed this year posted at Invest In India, saying, “With slumping home prices and the worsening economic crisis taking an increasing toll on financial institutions, as many as 22 American banks have collapsed so far this year.”

Larry Russell presents Financial Planning Reading List posted at Pasadena Financial Planner.

Financing a Home

Joe Manausa presents Great News For First Time Homebuyers In Florida Real Estate posted at Tallahassee Real Estate Blog, saying, “It is interesting to note that in these times of financial hardship for everyone that there seems to be an abundance of financial assistance programs out there for eligible homebuyers purchasing new or existing homes in Florida.”

Income

Kelsey presents Do You Have Multiple Streams of Internet Income? posted at Cash To Spend - Online Paid Surveys, saying, “Building multiple streams of internet income is good but spend the extra money wisely. More money can be extremely helpful but can also add more financial stress if not spent on the right things first.”

The Shark Investor presents How To Earn More Around The Holidays posted at The Shark Investor, saying, “Here are some ways to earn when everyone is trying to make you spend”

Investing

nickel presents The End of the 401(k) Match? posted at fivecentnickel.com.

Ripe Trade presents Best asset allocation posted at Ripe Trade, saying, “When constructing a portfolio for a balance of maximum reward and minimum risk its best to find the asset classes that have a low correlation to each other. Historically, since 1972 an optimal asset allocation mix for high returns and low risk would have averaged 14.82% in returns annually with a low 10.89% standard deviation.”

Qovax presents Read Financial Footnotes, Invest Safely posted at Value Investing and Entrepreneurship by Qovax, a Software Startup, saying, “Financial footnotes are like the fine print on an aspirin label. You need to read the fine print to realize that aspirin side effects include gastrointestinal bleeding. Financials footnotes are to companies as fine print are to drugs.”

Sun presents Transfer A Brokerage Account: How Much Does It Cost? posted at The Sun’s Financial Diary.

Jesse Wojdylo presents We Haven’t Seen the Bottom in the Stock Markets Yet? posted at Subprime Blogger.

JCL presents Your Real Estate Investing Team posted at The Real Estate Investing Journey, saying, “How to boost your chances for success in real estate investing by surrounding yourself with talented people. Investing in RE as a hobby is dangerous and can get yourself in major hot water. With a team of professionals your risks can greatly be mitigated. Burnout by trying to do too much yourself is also a risk, delegating tasks can protect your attitude and outlook on real estate, giving you room to get the ball rolling and succeed.”

Joanne presents Before Starting In The Stock Market posted at Buying Penny Stocks, saying, “What kind of trader are you? That depends on what level of your trading skills are you at. You need to be able to know who you are before you make a trade that might cost you everything”

Investing School presents 401(k) Retirement Plans posted at Investing School, saying, “Everything about 401(k) retirement plans! Benefits, details and more!”

The Fund investor presents Bear Market Mutual Funds posted at Mutual Fund Investing Tips, saying, “The one type of mutual fund investor that has made money in 2008 are those that have been investing in inverse mutual funds”

Lance Cooper presents Prepackaged Bankruptcy May Be Best For GM posted at Recession Money Matters, saying, “Given the options before Congress, reforming GM through a prepackaged bankruptcy seems to be the best option long-term.”

ABC presents Interest posted at ABCs of Investing, saying, “A brief description of interest payments.”

Lawrence T. presents Margin Loan | Types Of Loan - Types Of Loans posted at Types of Loans, saying, “A margin loan may be a good way of paying off credit card or as a source for other financing needs. Margin loans need to be used carefully though, since you want to avoid a margin call.”

Managing Deb

ChristianPF presents 29 tips on getting out of debt from you! posted at Money in the Bible | Christian Personal Finance Blog.

The Financial Blogger presents Dealing with Collection Agencies posted at TheCreditToolBox.com, saying, “Dealing with collection agencies is never a fun task, but it is unfortunately a necessary one, especially if you have made a mistake and have made a late payment or ignored payments.”

Joshua Dorkin presents When The Bill Collector Calls posted at Real Estate Investing For Real.

Cory Albertson presents Erase Debt and Live With Less Stress posted at Debt Relief, saying, “It’s sad but true; people with more debt have more stress in their lives and people with more stress in their lives have shorter life spans. Erase debt to elongate your life!”

Debt Free Destiny presents Is Your Cash Flowing on a Daily Basis? posted at Debt Free Destiny.

DebbieDragon presents Drowning in Debt? Here’s How to Rescue Your Finances posted at Discover Debt Freedom!.

Jim presents 0% Credit Cards: No Interest Purchases & Balance Transfers Offers posted at Blueprint for Financial Prosperity.

Retirement Planning

Dollar Frugal presents Are 401ks Being Taken Away? posted at Dollar Frugal.

Risk Management and Insurance

Wilfrid presents Got FDIC-Insured Money In the Bank? Take It To The Max! posted at Money Galaxy - Make Money | Save Money | Invest Money, saying, “Use these simple strategies to get 100% coverage of your money, even if it’s tens of millions of dollars :)”

DebbieDragon presents Is Your Small Business Properly Insured? posted at American Entrepreneurship.

Ybother presents Term Insurance vs Whole Life Insurance Strategy posted at www.ZhouWenhan.com, saying, “The debate of buying term and whole life has been raging for a long time. In this blog post, I propose a middle ground by using each product when they are are their strongest.”

Insurance Toolbox presents How to Save on Your Car Insurance Policy posted at Insurance Toolbox.

Savings

Silicon Valley Blogger presents Keep Your Money Safe: Online Bank Accounts and More Savings Options posted at The Digerati Life, saying, “Thank you!”

FMF presents A Salesman Tells How to Negotiate for the Best Price on Electronics posted at Free Money Finance, saying, “Saving money on electronics.”

Online Dividends presents 10 year CD Rates posted at Blogging Banks.

DebbieDragon presents Need to Save? Get Set to Automate posted at American Consumer News.

Taxes

Joshua Dorkin presents A Tax Free Retirement posted at Real Estate Investing For Real, saying, “The article explores tips for planning a tax free retirement.”

Barb A. Ryan presents Asset Allocation, Investment Asset Tax Location, and Emergency Cash Management posted at Pasadena Financial Planner.

Miscellaneous

The Smarter Wallet presents Best Gift Ideas for the Holiday Season posted at The Smarter Wallet, saying, “Some gift ideas for this holiday season to help you with your shopping run.”

That concludes this edition. Submit your blog article to the next edition of Carnival of Financial Planning using our carnival submission form. Past posts and future hosts can be found on our blog carnival index page.

Technorati tags: carnival of financial planning, blog carnival.

Carnival of Financial Planning - November 22  2008 Edition

Welcome to the November 22, 2008 edition of the Carnival of Financial Planning.

The Carnival of Financial Planning takes a long-term view of personal financial planning for individuals and families. We focus on efficient and sustainable personal financial planning practices that can lead to lifetime financial security.

This edition is arranged by subject heading, so that you can browse efficiently.

Enjoy!

The Skilled Investor

Budgeting

Tony Huynh presents Money: What Steps I Have Taken to Save It posted at LimitlessUnits.com, saying, “This article is about patching up the leaks and keeping all that money you make.”

Livingalmostlarge presents Finances before Marriage? posted at LivingAlmostLarge.

Jeremy Zongker presents 76 Ways to Save Money While Saving the Environment posted at Destroy Debt.

Jim presents How to Access International ATMs posted at Blueprint for Financial Prosperity.

Pasadena Financial Planner presents Living Expense Tracking Methods posted at Pasadena Financial Planner.

Economics

The Shark Investor presents How YOUR Saving Advice Caused The Financial Crisis posted at The Shark Investor, saying, “A little rant to fellow bloggers”

Financial Planning

Tushar Mathur presents Obama’s “Revitalize the Economy” Agenda posted at Everything Finance, saying, “According to Barack Obama’s transition web site, the number ONE issue that the Obama administration will address is “Revitalize the Economy”. The step-by-step plan on how to do it has also been outlined. I hope this level of transparency with the American People is maintained throughout Obama’s Presidency.”

Shaun Connell presents How to Get an Online Savings Account posted at Financial Planning, saying, “Free tutorial! Learn how to turn your money into more money with an online savings account. Don’t worry, this is risk-free, government backed and guaranteed to earn at least 2.75% per year.”

Jeremy Zongker presents Save Money By Reducing Household Expenses posted at Money Blog.

Shaun Kavanagh presents Surviving A Recession posted at Kavmerica.com, saying, “Economic downfall tends to have a domino effect. People become worried they may lose their job, so they cut back on spending. The problem is everyone cuts back on spending. Before you know it those people that cut back aren’t spending their money at your store and you are out of a job. There are a few things you can do to help lessen the impact of a recession.”

Michael Haltman presents Would You Believe We Are In Recession? posted at The Political and Financial Markets Commentator, saying, “You are not going to believe this, but today I heard that the data suggests that despite the fact GDP had only one quarter of contraction, it appears that we are in recession. Technically we would need two consecutive quarters, but many market analysts, those seers of reaction and not proaction, with a smattering of arm chair quarterbacking after the facts have seemingly been established thrown in, think we are already there.”

The Dough Roller presents The Easy Guide to Money Management posted at The Dough Roller, saying, “Sound money management can seem overwhelming at times, but it really comes down to some very basic concepts. This guide walks through 10 tips that can help you get your finances back on track.”

Michael Bass presents Should you cosign for a friend or family member? posted at Debt Prison, saying, “Whether it’s a car or a motorcycle, co-signing on a loan for a friend or family member is a bad idea. First of all… you are helping someone throw money down the drain via interest charges. Now before you bring up the ‘helping to build anothers credit’ fallacy… I’d quickly point out that a lifetime of credit use is a lifetime of throwing dollars out the window (for lack of a better metaphor).”

Larry Russell presents Financial Planning Reading List posted at Pasadena Financial Planner

Financing a Home

Dollar Frugal presents Update On Tap Water Savings posted at Dollar Frugal.

Joe Manausa presents Discover The Secret To Making A Perfect Home Buying Offer posted at Tallahassee Real Estate Blog, saying, “There are so many infomercials and advertisements claiming that you can buy a home for mere pennies on the dollar that many potential home buyers are confused about what they should do. The goal of this short article is to help you develop a mindset that will allow you to buy the home of your dreams without paying too much for the home.”

Financing Education

DebbieDragon presents Free College Education Exists posted at Destroy Debt.

Khan presents A trip through the inner workings of the student loan system posted at Higher Education and Career Blog, saying, “Take the stress out of repayment by being smart. Know how the student loan system works, and come up with your own strategy.”

Don presents Poor Economy Affecting Student Loan Programs posted at D.P. Lawson, saying, “The the economy downturn, many Banks and Lenders found their self holding a lot of bad student loans. Now that they’ve had a cash infusion from Uncle Sam, many are tightening lending requirements making it harder for Students to find financial aid so they can continue their education.”

CreditShout presents College Students and Credit Card Debt posted at CreditShout.

Investing

Jayson Gibson presents Hope for Homeowners Act of 2008? What’s At Stake? posted at New Homes Section Blog, saying, “Information about the Hope for Homeowners Act of 2008. Details about problems in our current economy and how each problem relates to the Hope for Homeowners Act of 2008.”

Market Breaker presents It’s Been A Brutal Year posted at Stock Investing Tips, saying, “This year has been the worst year for the stock market since the Great Depression.”

Dorian Wales presents The Bull Trap Snapped – What Now? posted at The Personal Financier, saying, “My spontaneous observations on recent events”

Curt presents Investing In Oil posted at PennyJobs.com.

Big Cajun Man presents Is it Safe? posted at Canadian Personal Finance Blog, saying, “Is it safe?”

Praveen presents Is Porsche the New Goldman Sachs? posted at My Simple Trading System.

Investing Angel presents Learning Financial Planning through Asset Allocation » Free Stock Market Investing Tips posted at Stock Tips, saying, “Some ways to learn about financial planning.”

FIRE Getters presents Simple Strategies to Inflation Proof a Portfolio! posted at FIRE Finance.

FMF presents How I Easily Improved My Investment Returns Using Vanguard Admiral Shares posted at Free Money Finance, saying, “An easy way to improve your investment returns.”

ABC presents Investment Time Horizon posted at ABCs of Investing, saying, “A brief description of investment time horizon.”

Dividends4Life presents Sysco (SYY) Raises Qtr. Dividend by 9% and Others posted at Dividends 4 Life, saying, “I am not a stock trader; I am a dividend and value based long-term buy-and-hold investor. When I add a stock to my dividend portfolio, it is my intention to hold the stock forever. However, I have one hard and fast rule about selling stocks:”

Super Saver presents Stock Market Buying Opportunity? - Not for Me posted at My Wealth Builder, saying, “I’m waiting for either a Dow 4,000 or Dow 12,000 before investing new money. With the current turmoil and more to come, I think a Dow 4,000 may come first. :-(”

Investing School presents Price to Earnings Ratio (P/E) posted at Investing School, saying, “Learn everything you need to know about the price per earnings ratio!”

Dave presents Should I Sell My Stocks? posted at Cheapo Groovo.

Managing Debt

Trisha Wagner presents ClearOne Advantage Company Review posted at Debt Free Destiny.

Mr Credit Card presents Negotiating With Your Credit Card Company | Ask Mr Credit Card’s Blog posted at Ask Mr Credit Card.

PabloPabla presents Getting Your Life Back on Track by Building Your Credit posted at The Credit Card Debt Relief Site, saying, “Get your life back! Start rebuilding your credit with these tips.”

Andrew Cocks presents Best Credit Card Debt Settlement System posted at Debt Settlement System.

Ben Dinsmore presents If You Use It, Use It Well posted at Trees Full of Money, saying, “To many people credit cards are a necessary evil. Using credit cards unwisely can lead to significant debt, exorbitant monthly payments and eventual financial trouble.”

Lane Wright presents Personal Loans via Social Lending posted at Fast Signature Loan.

CreditAddict presents How to Evaluate Balance Transfer Credit Card Offers posted at CreditAddict, saying, “Interested in using a 0% balance transfer to rid yourself of unwanted debt? This article provides a rundown of what to look for when searching for the best offer.”

Andrea Smith presents Checklist for Those on Debt Management Plan | Consolidate4Free: Debt Consolidation Information posted at Free Debt Consolidation: Qualified Financial Management.

Debt Wizard presents Some Helpful Tips To Not Abuse Your Credit Card posted at Money Help, saying, “Prone to spending too much and missing payments on your credit card? Here are a few tips.”

Risk Management and Insurance

KCLau presents Buy term and invest the difference posted at KCLau’s Money Tips, saying, “In this post, I will share my view about the reality and practical part of making use of this well-known strategy of buying term and investing the difference.”

Savings

Silicon Valley Blogger presents High Yield Savings Account Interest Rates: Changes Ahead? posted at The Digerati Life, saying, “We’re on an interest rate downtrend, so how does this bode for our savings?”

MoneyNing presents Dependent Day Care Flexible Spending Account (FSA) posted at Money Ning, saying, “FSA are one of the few ways of helping us save money on child care that can get very expensive! Remember to take advantage of it for the year of 2009!”

Jeremy Zongker presents Good Saving Habits Start Early posted at Money Blog.

Taxes

nickel presents 2009 Traditional and Roth IRA Contribution Limits posted at fivecentnickel.com.

Barb A. Ryan presents Asset Allocation, Investment Asset Tax Location, and Emergency Cash Management posted at Pasadena Financial Planner.

Miscellaneous

George L Smyth presents One Minute How-To - How To Avoid Junk Fees posted at George L Smyth, saying, “George L Smyth explains how to identify and avoid the junk fees that are added without your knowledge.”

The Smarter Wallet presents Charitable Giving: How To Make Your Charity Donations Count For More posted at The Smarter Wallet, saying, “Thanks!”

Heather Johnson presents 100 Awesome Ivy League Video Lectures posted at Online Universities.com.

That concludes this edition. Submit your blog article to the next edition of Carnival of Financial Planning using our carnival submission form. Past posts and future hosts can be found on our blog carnival index page.

Technorati tags: carnival of financial planning, blog carnival.