Easily find ALL
low cost mutual funds
no load index mutual funds
Also available at these ebook stores:

Amazon -- Kindle/MOBI
mutual funds investing books

Apple iBookstore -- iPad/EPUB
no load funds investment guide

Barnes & Noble -- Nook/EPUB
index funds list investment guide

Smashwords -- EPUB, MOBI, PDF
no load fund investment guide


Or, enter your email address to subscribe:

Proud Member of Yakezie

Best Personal Finance & Investment Articles

Find VERIPLAN:   Do-It-Yourself Lifetime and Retirement Financial Planning Software

Best Personal Financial Planning and Personal Investment Articles this Week from Personal Finance Blogs

Carnival of Financial Planning – Edition #173 – February 25, 2011

Welcome to the February 25, 2011 Edition #173 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.


The Skilled Investor, Editor

Budgeting and Economics

MoneyNing presents Want to Buy Something? Save, Don’t Borrow! posted at Money Ning, saying, “The title says it all! Don’t get into debt!”

Craig Ford presents 5 Budgeting Lies that People Ignorantly Pass Along posted at Money Help For Christians, saying, “Learn the truth about how a budget can help your finances.”

mike presents Mint.com Canada Review – Online Free Budgeting Website posted at Money Smarts Blog, saying, “Unbiased look at the new Mint.com Canada release.”

The Skilled Investor presents How to Save More posted at Personal Financial Strategy, saying, “Budgeting and self-control in consumption is far more important than clever investing. Expenditure control and budgeting works, while “clever” investing usually is counter-productive.”

Dave@50plusfinance presents Your Budget Will Always Fail If You Don’t Have This One Ingredient posted at 50 Plus Finance, saying, “Budgeting is the backbone of your financial plan. It’s a spending plan that tells your money where to go every month. We all have various reasons to have a spending plan. It can be saving for retirement, getting out of debt or saving for a house or car.”

Tom @ Canadian Finance Blog presents History of the Canadian Dollar posted at The Canadian Finance Blog, saying, “The history of the Canadian dollar is almost as interesting as the history of Canada itself. Let’s take a look at the history of the Canadian dollar.”

Darwin presents Financial vs Managerial Accounting – MBA Mondays with Darwin posted at Darwin’s Money, saying, “Ever wonder what the difference is between financial accounting and managerial accounting? It’s hugely important! See why with these real-life examples.”

Intelligent Speculator presents Why a country’s economy can grow “too fast” posted at Intelligent Speculator, saying, “We examine when an economy can simple grow too fast.”

JT McGee presents The Federal Reserve’s Dual Mandate, Oil, and 2011-2012 Capital Flows posted at MoneyMamba, saying, “The gist is that the Federal Reserve will be the last to tighten, thus easy money returns to the US, and eventually US investors will have to go overseas to find decent rates/protect from an incrementally falling dollar. This makes oil an attractive investment since it is cyclical, and the oil producers (Chevron in particular) trade for fairly inexpensive valuations.”

Estate Planning

Consumer Boomer presents Estate Planning Checklist for Baby Boomers posted at Consumer Boomer, saying, “As you begin the estate planning process, here is a checklist to help you along the way.”

Jim Yih presents Financial resolution – Get a will posted at Retire Happy Blog, saying, “One financial resolution to consider is to get a will in place. At the same time, consider getting a power of attorney and a personal directives and you will have the three key documents for an estate plan.”

Michael presents How to Be a Good Boss posted at Consumerism Commentary, saying, “The better boss you are, the happier your employees are and ultimately, the more successful your business becomes. We’ve got a few tips to get you started.”

Financial Planning

Marie@familymoneyvalues.com presents Build a Long Term Family Wealth Plan for Future Prosperity posted at Family Money Values, saying, “Do you ever wish your ancestors had struck it rich and passed it along to you? Do you even just wish they had planned to accumulate a few bucks, written down the family history or started a community legacy for which the family would have been know? American families typically focus on the single family unit versus the extended family, and on this generation and the next instead of on into the future. What would happen if your family had a plan for the next four or five generations?”

Adam Williams presents “How much do babies cost?” A dialog with a friend posted at RabbitFunds.com, saying, “Some friends of ours who are expecting are trying to determine by how much their budget will be affected by the coming baby. The dialog reveals common fears and some simple tips.”

Michael Pruser presents How To Build a Budget with a Variable Income posted at The Dough Roller, saying, “Budgets are hard enough with a steady income but brining in variable income can cause even more budgeting problems.”

Larry Russell presents No Load Mutual Funds posted at Best Index Mutual Funds, saying, “Superior past performance has simply not been shown to be a reliable predictor of superior future performance. However, low costs can lead you to the best mutual funds

Robert Moore presents Are Annuities a Good or Bad Investment? posted at 2011 Tax, saying, “One of the best retirement financial plans is the variable annuity.”

Financing a Home

Housing Reporter presents Real Estate Math Helps Forecast Housing Market Moves posted at Tallahassee Real Estate Blog, saying, “If anybody claims to have a scientific method to forecast the future of the real estate market, I have yet to see it. I have devised my own version of “real estate math” in the hopes developing a model that will bring about accurate reports for near and long term expectations for trends in the housing market. I believe I have made some progress, as my blog post in 2008 (click to see 2008 real estate forecast) has done a good job thus far in forecasting home sales in Tallahassee.”

Ryan @ MFN presents What Credit Score Do You Need to Refinance a VA Loan? posted at The Military Wallet, saying, “The VA has special requirements for eligibility, ad your credit profile is part of the equation. Find out your credit score requirements and more in this article.”

Moneyedup presents Saving Up for a New Home posted at MoneyedUP, saying, “Right now, many people are considering buying a home. It makes sense: home prices are low and mortgage interest rates are low as well.”

Financing Education

Jeff Rose, CFP presents How Good of An Investment is Going Back to School? posted at Jeff Rose, saying, “This article can help you weigh the pro and cons of going back to school before making that investment.”

Health Care

Consumer Boomer presents Baby Boomers and Healthcare Needs posted at Consumer Boomer, saying, “Many Baby Boomers do not get the health care they need due to rising costs and diminishing funds. The new health laws will help these people.”

Fred Lee presents How To Get Low-Cost Medical Care For Your Child posted at Parenting Squad, saying, “You don’t necessarily have to stretch your budget to it’s breaking point to get your child the medical care they need. Here are some ideas that might help.”

Ryan @ MFN presents TRICARE Prime Benefits Enrollment Fee Increases Coming Your Way Soon posted at The Military Wallet, saying, “Many military retirees who rely on TRICARE Prime for health insurance will soon see higher TRICARE enrollment fees. THis article explains the details regarding when to expect the rate hikes, and how much.”


FMF presents Funny Interview No-Nos posted at Free Money Finance, saying, “When you’re interviewing for a new job, be sure you avoid these.”

Jessica presents Where to Find Work at Home Jobs posted at MomVesting, saying, “If you have the will to make yourself sit down and work, even when it’s the last thing in the world you want to be doing, then you can be successful working from home.”

FMF presents Launching the Career of Your Dreams: How I Achieved My Dream Career Within 4 Years of College Graduation, Part 1 posted at Free Money Finance, saying, “These days, the likelihood that you will be competing career-wise with candidates that have real world work experience is high. You must prepare very well, and be able to communicate why an employer should choose to hire you over a plethora of experienced candidates and other new grads. You might be asking – how do I prepare better than other candidates in an age where everyone has access to absurd amounts of information on this subject? This series tells you how.”

MoneyNing presents 5 Reasons a Higher Tax Bracket is Good for You posted at Money Ning, saying, “Paying more taxes is actually a good thing sometimes!”


Carlos Sera presents A Tale of Might | Financial Tales posted at Financial Tales, saying, “This is A Tale of Might. Do As I Say Not As I Do.”

Hussein Sumar presents Stocks that Pay High Dividends – February 2011 Edition posted at High dividend stocks, saying, “Recently upon the end of January 2011 & recent Egyptian crisis, the Dow Jones Industrial Average (DJIA) has reached its 12,000 points mark, the highest level seen since June 2008. Financial experts believe this is a sign where companies’ profits are getting better, revenues are growing & the American economy is recovering.”

FIRE Getters presents Investing – The Mistake Of Timing The Market posted at FIRE Finance, saying, “We sometimes ponder and try to speculate the market. Basically we try to time the market to maximize our gains. Often we give up in despair! There are so many factors to be taken into account ..”

Mike @ Green Panda presents Exchange Traded Funds a.k.a ETFs posted at Green Panda Treehouse, saying, “The importance of ETFs in your portfolio.”

Intelligent Speculator presents Google (GOOG) shareholders, are you comfortable with your new CEO Larry Page posted at Intelligent Speculator, saying, “We look at Google’s new CEO.”

The Skilled Investor presents Stock Market Timing posted at Personal Investment Management, saying, “Always stay invested to earn risk premiums. You must have your money invested and at risk to get risk premium returns. Jumping out and in or “timing the markets” doesn’t work.”

Dividends4Life presents 20 CEO?s Showing Confidence With Increased Dividends posted at Dividends Value, saying, “A person’s character is determined by how they behave when no one else is looking and during difficult times. In much the same way, we can learn a lot about a company’s management when they face adversity. One metric I look at closely during a downturn is cash generation relative to earnings.”

Mike Piper presents Total Bond Market Fund vs. Treasury Bonds posted at The Oblivious Investor, saying, “Which works better as a diversifier for a mostly-stock portfolio: Treasury bonds or a “total bond market” fund?”

Frank Vertin presents Best Index Funds posted at Index Mutual Funds, saying, “Top ten no load index funds that track the Standard and Poors 500 composite index in terms of lowest costs.

Mr. Money Smarts presents Early Savers Eyeing The Roth IRA posted at Smart On Money, saying, “The benefits of the Roth IRA for the younger savers are numerous, and as such many young professionals are choosing them as their retirement vehicle of choice.”

Peter presents Roth IRA Conversion Rules 2011 posted at Bible Money Matters, saying, “The Roth IRA conversion is still in effect for 2011. Here are some important questions about the conversion for 2011 that you should consider for your situation.”

2 Cents presents What’s Your Investment Personality? posted at Balance Junkie, saying, “Our innate personality traits can affect the way we view money and investing. Is your approach congruent with your personality?”

Dan presents ETF Stripping Explained – Insider Trading Scheme posted at ETF Base, saying, “ETF Stripping? It’s got nothing to do with the ladies. It’s the latest Insider Trading Scheme on Wall Street – both ingenious and illegal.”

Praveen presents I Bought TSU and TKR – “A Tale of Two Tims” posted at My Simple Trading System, saying, “An analysis of why I invested in stocks TSU and TKR”

mike presents Canadian Online Discount Stock Brokerage Comparison posted at Money Smarts Blog, saying, “Very comprehensive comparison of Canadian discount brokerages.”

Silicon Valley Blogger presents Lending Club Investors Get $100, Borrowers Get Lower Rates posted at The Digerati Life, saying, “Peer-to-peer lending is an interesting way to invest. Borrowers using p2p lending can also benefit from lower rates (than through traditional lending channels).”

Silicon Valley Blogger presents Investing In Technology ETFs: Various Approaches posted at The Digerati Life, saying, “Some ways to invest in the tech sector.”

Alexander presents Pad Your Emergency Fund with Earnings from Dividend Stocks posted at Dividend Stocks, saying, “One of the most important things you can do for your personal financial situation is to build up an emergency fund.” One Family presents Qiagen NV (QGEN) – Stock Review posted at One Family’s Blog, saying, “An analysis of Qiagen NV (QGEN) Stock.”

The Financial Blogger presents The Only Check List You Need Prior To Starting Your Business posted at The Financial Blogger, saying, “The best check list for those looking to start a business.”

DGB presents 9 Sectors, 9 Great Dividend Stock Picks for 2011 posted at The Dividend Guy Blog, saying, “Great dividend investing advice for everyone.”

Dividends4Life presents 25 Dividend Stocks Raising Their Yield On Cost posted at Dividends Value, saying, “There are income investors and Dividend Growth investors. While the distinction is rather simple, it slips past many casual observers. Income investors are investing for maximum current income, while dividend growth investors are looking to maximize income over an extended period of time — usually sacrificing current income for potential greater future earnings.”

Managing Credit and Debt

BankMan presents Building the Perfect Credit Profile posted at High Yield Savings Accounts, saying, “Building a perfect credit profile and top rated credit score is possible through a little work and using good credit practices.”

Ask Mr. CC presents U.S. Bank Flex Perks Cash Rewards Visa Review posted at Ask Mr Credit Card, saying, “The U.S. Bank FlexPerks Cash Rewards Visa allows cardholders to earn cash rewards for their purchases. We’ll take a further look at this card and determine who this card may be for.”

Tom @ Canadian Finance Blog presents 3 Different Types of Canadian Personal Loans and How They Work posted at The Canadian Finance Blog, saying, “There are three different types of Canadian personal loans; personal loans, consolidation loans and payday loans.”

Mike @ Green Panda presents Best Student Jobs to Avoid Student Loans posted at Green Panda Treehouse, saying, “How to deal with student debt before it’s too late.”


Consumer Boomer presents Pros and Cons Of Online Checking posted at Consumer Boomer, saying, “Most people find online checking and banking to fit most of their banking needs. Here is a look at the pros and cons.”

Consumer Boomer presents How To Get Social Security Maximum Benefits posted at Consumer Boomer, saying, “Here’s a few tips on how to get Social Security maximum benefits.”

Joe Plemon presents When a Great Deal Isn’t So Great posted at Personal Finance By The Book, saying, “After discussing this “great deal” with my wife, I realized, deep in my gut, that it wasn’t smart. For the millionth time in my life, I was extremely grateful I married this woman.”

Pasadena Financial Planner presents Vanguard Index Funds posted at Top Mutual Funds, saying, “Compares Vanguard’s actively managed mutual funds and Vanguard’s passively managed index mutual funds. Vanguard investors should read and understand this study.

Craig Ford presents A Chronicle of My Odesk Experiences | The Great, The Good, The Horrible posted at Money Help For Christians, saying, “A chronicle of the authors experiences with Odesk.”

Matthew Alberto presents Social Entrepreneurs & Worrying About Money posted at Matthew Alberto .com, saying, “In your own journey towards social entrepreneurship, you will come across challenging decisions you have to make. One major challenge that you will have to face is the balance between providing social impact and actually making a living for yourself. A key philosophy of this website has been for you to do good AND to do well.”

The Amateur Financier presents How I Will Teach My Children About Money posted at The Amateur Financier, saying, “A guide to what I intend to teach my children about managing money, starting from when they are quite young and continuing until they leave the nest.”

Jeff Rose, CFP presents Can You Use Your IRA To Start A Business? posted at Jeff Rose, saying, “Here is a look at what you would need to use your IRA to fund your new business venture.”

Jim Wilkerson presents Choose Mature Noload Mutual Funds posted at Best No Load Funds, saying, “Very young stock and bond mutual funds are more likely to put you into the position of being an experimental guinea pig of mutual fund companies and the ETF industry.”

Consumer Boomer presents Beware of Debt Relief Scams posted at Consumer Boomer, saying, “If you are considered a debt relief company to assist you with becoming debt free or to a better part solvent, there are several things to consider.”

Craig Ford presents How to Easily Earn Airline Miles | Become an Airline Points Junkie Today posted at Money Help For Christians, saying, “Learn how to easily collect 275,000 airline miles.”

Pat @ DNW presents Mutual Funds vs. Guaranteed Investment Funds posted at Do Not Wait, saying, “We look at these two investment products in detail.”

Retirement Planning

Jeff Rose, CFP presents What?s Your Number? posted at Jeff Rose, saying, “Before you retire you need to ask yourself some very crucial questions. Here are a few things that you need to consider before retiring.”

Walter W. Fouse presents Top 10 Large Cap Funds posted at Best Mutual Fund, saying, “This table of low cost top 10 S&P 500 mutual funds has been organized with the lowest cost index fund first. Nevertheless, each of these S & P 500 index funds is among the least costly on the market.”

Boomer presents Defined Benefit Plan posted at Boomer & Echo, saying, “The defined benefit plan (commonly referred to as a “gold-plated pension”) has been on the decline over the last two decades, but it still represents a fairly large sample of the Canadian work force.”

Risk Management and Insurance

Jeff Rose, CFP presents Insurance Strategies for Small Business Owners posted at Jeff Rose, saying, “If you are a small business owner you need to read this article. There are many different types of insurance small business owners need to consider.”

Consumer Boomer presents Primary Insurance Amount – What Exactly Is It? posted at Consumer Boomer, saying, “Your Primary Insurance Amount is different for each person. Here’s a look at what it is exactly and how it is figured.”


Jim Yih presents The Security of GICs posted at Retire Happy Blog, saying, “One of the most attractive features of the GIC is the safety of the capital. The invested capital is safe because the financial institution guarantees it.”

Jeri Ford presents Do You Need Travel Insurance posted at Help Me Travel Cheap, saying, “Essential travel insurance facts.”

Amanda L. Grossman presents A New Series: Save Beyond Your Means posted at Frugal Confessions, saying, “The series will begin with the story of my own personal finance journey to show you a bit more about myself, my background, and how I went from having $36,000 in student loan debt to enjoying a positive net worth less than 5 years later.”

FMF presents Save Your Social Security Payroll Tax Cut posted at Free Money Finance, saying, “Save, don’t spend, your Social Security payroll tax cut.”


Khaleef @ KNS Financial presents Why You Should File A Tax Return Even If You Are Not Required! posted at Faithful With A Few, saying, “Many are not required to file a tax return. Despite that fact, there are times where it pays to file a tax return even if you don’t have to. Find out what they are!”

FMF presents What Should You do if You Get an IRS Audit Letter in the Mail? posted at Free Money Finance, saying, “What to do if you get an audit notice from the IRS.”

Jeff Rose, CFP presents What You Need to Know About Home Office Tax Deductions posted at Jeff Rose, saying, “To minimize your risk of an audit, make sure you meet the qualifications for the home office tax deductions for 2011.”

Madison DuPaix presents What is a 1040 Form? posted at My Dollar Plan, saying, “The 1040 form is the crux of most people’s tax filing – read this to learn more about it.”

Craig/FFB presents Changes on the 1040 IRS Tax Form this Year…How Does It Affect You? posted at Free From Broke, saying, “Due to changes in the tax laws in 2010, there are a number of differences on this year’s IRS 1040 tax form. Take a look at what they are.”

Ryan @ MFN presents Federal Tax Refund Schedule posted at The Military Wallet, saying, “Do you want to know when you will receive your tax refund? This schedule will help you find out when the IRS will send your refund check or direct deposit.”

Jeff Rose, CFP presents When Are Your 2010 Taxes Due? Tax Filing Deadline in 2011 posted at Jeff Rose, saying, “Instead of Tax Day falling on the usual 15th day of April, this year your 2010 tax return will not be due until Monday, April 18th.”

FMF presents How to Get Back Tax Dollars You Paid Years Before posted at Free Money Finance, saying, “Did you over-pay taxes in a previous year? Here’s how to get them back!”

Andy presents Debt Reduction: Repealing the Home Mortgage Interest Deduction, State and Local, Health Insurance and Retirement Tax Breaks posted at Saving to Inve$t, saying, “In all, there are about 200 tax cuts that are in danger of being repealed as part of America’s debt reduction plan and many of these are the popular tax breaks with the general public. Let’s take a look at a few that may be repealed as early as 2013 once the final phase of the bush tax cuts extension expires and perhaps a new Republican president in the oval office.”

Craig/FFB presents H&R Block At Home™ Online Tax Software – Review posted at Free From Broke, saying, “See why you should use H&R Block’s online tax software to prepare your taxes and check out the different versions of their software to see what’s best for you.”

PT presents Making Sense of Education Tax Credits and Deductions posted at Prime Time Money, saying, “Trying to figure out how to maximize your tax savings on education expenses? PT Money provides a guide to the tax credits and deductions.”

Madison DuPaix presents The 2010 Tax Deductions You Can’t Claim posted at My Dollar Plan, saying, “Read this to find out which tax deductions from 2009 you can’t claim for 2010.”

Tom Tessin presents How Much Does It Cost To Get Taxes Done? posted at Tom, saying, “Taxes can be expensive, and if you’re thinking about hiring a professional, find out what you’re going to more than likely pay.”

Ken presents Tax Issues For The Unemployed Individuals posted at Spruce Up Your Finances, saying, “Are you unemployed? Find out the various tax issues you need to be aware of such as what to do with your retirement, what expenses you can deduct, etc”

Ryan @ CML presents How to Organize Your Tax Documents posted at Cash Money Life, saying, “Organinzing your tax documents is a great way to save time and money, whether you do your own taxes or send them off to an accountant.”

Ryan @ CML presents When Will I Get My Tax Refund? posted at Cash Money Life, saying, “Many tax filers are asking this question – thankfully, the IRS has published a guide that will help you get a good idea of when you might receive your tax refund.”

Tommy John presents Volunteer Tax Assistance | 2010 Taxes posted at 2010Taxes, saying, “Free tax planning for certain tax payers is a great way to get your simple returns completed.”

FMF presents CompleteTax Review #2 posted at Free Money Finance, saying, “Latest review of one of the web’s leading tax software programs.”

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: , .


Personal Financial Planning

1 comment to Best Personal Finance & Investment Articles

  • [...] » Festival Of Frugality: Back to School Edition Dodgeblogium » CoTV like gag me with a spoon… Carnival of Financial Planning – Edition #173 – February 25, 2011var linkwithin_site_id=174733;var linkwithin_div_class="linkwithin_hook";Hello there! If you are new [...]