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Best Personal Financial Planning Articles


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

Carnival of Financial Planning – Edition #105 – September 4, 2009

Welcome to the September 4, 2009 Edition #105 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, Editor

Budgeting

Dorian Wales presents The Personal Financier: Personal Finance Management: Budget vs. Net Worth posted at The Personal Financier, saying, “While it may be recommended to manage both a budget and net-worth sometimes focus leads to better results.”

Anne Simone presents 100 Essential Money Rules for Life After College posted at Online School.

Susan Savering presents Personal Budget Expenses posted at Family Financial Planners, saying, “When you don’t understand how much you spend and how much you save and invest, you do not have a financial plan. This dramatically increases your family’s long-term financial risk.”

Economics

Roshawn Watson presents The Rich Get Poorer posted at Watson Inc, saying, “The implications of this recent recession have been far-reaching enough to put a big dent in American and world wealth. Both the magnitude of wealth and the number of millionaires decreased profoundly in 2008.”

The Smarter Wallet presents Online Business Guide: Start, Sell and Succeed! posted at The Smarter Wallet, saying, “Here’s how to manage your small business.”

Super Saver presents Expecting Another Bubble posted at My Wealth Builder, saying, “Low interest rates are bound to create another bubble. Hopefully, by expecting one, I can protect our savings better that during the housing and financial crash.”

Dorian Wales presents On Causality and Correlation in Economics posted at The Personal Financier, saying, “Causality is perhaps the most fundamental element of empirical evidence available to economists. However, it is also the source of many misconceptions due to its elusive nature.”

Estate Planning

Jeff Rose presents Taking Care of an Elderly Parent posted at Jeff Rose, saying, “Find of what you need to do when you have to become the parent of your parents.”

Financial Planning

Dividend Tree presents Building Core Competency for Long Term Survival posted at Dividend Tree, saying, “whether it is running a business or individuals’ investment portfolio, it is important to build a core competency for long term sustainability. In my case, I focus on good quality companies that consistently pay or have potential to pay growing dividends over time.”

Four Pillars presents Make Home Affordable Refinance Program Changes Eligibility Requirements For Easier Refinancing posted at Quest For Four Pillars, saying, “Making Home Affordable refinance program eases requirements.”

Patrick @ Military Money presents How Much Life Insurance Do Military Members Need? posted at Military Finance Network, saying, “Military members may have different life insurance needs than civilians. Here is information regarding how much life insurance military members should buy, and some resources for finding the best life insurance deals.”

KCLau presents I achieved financial freedom at 38 posted at KCLau’s Money Tips, saying, “This post is contributed by WaiYin, a reader whom I admire very much because she achieved financial freedom at age 38! Here, she shares how she did it.”

Susan Savering presents Personal Investing Strategy posted at Family Financial Planner, saying, “When pursuing optimal financial planning and investing strategies and controlling your costs and capital gains taxes, you also need to establish a time-efficient system to monitor, adjust, and adhere to your financial plan.”

Amanda L. Grossman presents Plague of Overconsumption posted at Frugal Confessions, saying, “This is a humorous article about using coupons and stockpiling discounted products as a financial planning tool.”

The Smarter Wallet presents How To Build Good Credit and Clean Up Bad Credit posted at The Smarter Wallet, saying, “Here’s how to work on cleaning up your bad credit.”

Patrick @ Cash Money Life presents Why College Students Should Get a Credit Card NOW posted at Cash Money Life, saying, “The Credit CARD Act of 2009 will make it more difficult for people under the age of 21 to obtain a credit card. The Credit CARD Act goes into effect in February, which leaves little time for some young folks to get a credit card.”

Emma presents Should we buy a second car? Part 1. posted at Baby-Log, saying, “We were facing a big decision: whether or not we should get a second car. Some of you would probably think that we live in Stone Age just because we didn’t have it already. How can you not have a second car?!”

Financing a Home

Tallahassee Real Estate presents Changes In Real Estate Marketing posted at Tallahassee Real Estate Blog, saying, “The Internet has changed the way that REALTORS communicate with the market and with prospective customers. Knowing where the largest source of home buyers go to seek real estate information is part of a broker’s job when guiding real estate marketing efforts. Recent studies suggest that 87-92% of home buyers begin their search online, so being in the right place, at the right time, is certainly mission critical for every real estate broker.”

2 Pennies Earned presents Why I Don’t Care that I May Have Overpaid for My House posted at Two Pennies Earned, saying, “I may have overpaid for my house. This is pretty surprising behavior, coming from someone who routinely gets strange looks at the grocery store for doing things like stocking up on twelve-packs of soda when they’re on sale for $2.00. So why on earth would I blow off how I could have gotten a house for a lot less money? Well, there’s a lot more to buying a house than looking at the price tag, and sometimes it just doesn’t make sense to overlook the emotional aspects of a purchasing decision, even if it means spending more money.”

Alex Fotopoulos presents When is it Smart to Refinance a Mortgage? posted at My Trader’s Journal, saying, “Some key points to consider when refinancing your home.”

Financing Education

Praveen presents Students Beware! Colleges, Tuition, Loans, and Debt – Will Education Follow the Housing Bust? posted at My Simple Trading System, saying, “Tips for students to avoid excessive loans and debt”

Health Care

KCLau presents Withdraw EPF Fund to Pay Insurance Premium? posted at KCLau’s Money Tips, saying, “Vincent Lee from Penang generously shares an idea to use your EPF”

Income

Eric J. Nisall presents The Secret To Keeping Your Job? Try Doing It Well! posted at Let’s Blog Money, saying, “Wasn’t sure if keeping your job fell under the income category or under misc. Feel free to change it as you see fit.”

nissim ziv presents How to Reach your Career Goals and Objectives posted at Job Interview Guide, saying, “Being successful in a profession covers a lot of aspects. Being successful in a career does not only mean being paid at the end of the month and getting appraisals at the end of a year or more.”

FMF presents My Jobs, An Interesting Transition posted at Free Money Finance, saying, “Experience is often the best teacher. This post details a real workplace experience and what all of us can learn from it in order to grow our careers.”

Investing

Darwin presents Corporate Pension Plan Shortfall – The Next Crisis? posted at Darwin’s Finance, saying, “This article warns of the coming corporate pension shortfall crisis and how it could dramatically impact share prices in 2010 and beyond.”

The Dough Roller presents Summary of the Best Online Discount Brokers posted at The Dough Roller, saying, “You’ve probably heard of many discount sites that allow you to trade stocks online (e.g., Zecco, Scottrade), but I’m guessing there are a lot of online brokers you’ve never heard of (Sogotrade may be one example).”

Patrick @ Cash Money Life presents 20 Free Stock Trades at Zecco posted at Cash Money Life, saying, “Get 20 free stock trades at Zecco when you open a new account by September 13, 2009. A $90 value!”

Silicon Valley Blogger presents Online Stock Trading With Zecco: 20 Free Trades Offer posted at The Digerati Life, saying, “Thanks!”

nickel presents Investment Performance: It’s a Matter of Perspective posted at fivecentnickel.com, saying, “Have you looked at any stock market charts recently? The market has risen for four straight weeks, and things are looking up. In terms of raw numbers, the S&P is up nearly 50% from its March lows. In this article, I take a look at the investment performance over various time periods and show that good vs. bad performance is really a matter of perspective.”

Investing Toolkit presents Forex Trading Basics: What Is Foreign Currency Trading? posted at Investing Toolkit.

Retirement Savior presents The Easiest Way to Beat the S&P500 posted at Retirement Savior, saying, “Even if you believe in efficient markets, you can still outperform the indexes.”

ABC presents Investment Real Return posted at ABCs of Investing, saying, “A simple explanation of investment real return.”

Frank Vertin presents Best Stock Index Fund posted at Best Index Fund, saying, “Buying an S&P 500 index fund through an investment counselor can substantially increase your initial purchasing costs and and drive up your annual management expense fees. Unfortunately, the vast majority of individual investors buy mutual funds and ETFs through brokers and investment advisers. Rarely do financial advisors recommend that you buy index funds with low fees. This is because low cost, no load mutual funds do not pay them as well as loaded, high fee mutual funds.”

Larry Russell presents Top No Load Mutual Fund posted at No Load Mutual Funds, saying, “Taken as a whole, the vast body of investment research studies show that there really are better approaches to buying and owning mutual funds and ETFs. You do not need to frantically chase fund performance. Performance chasing simply does not work.”

Tomas Escent presents Quant Investing posted at Nerds on Wall Street, saying, “Think of this book as sort of a Hitchhiker’s Guide to Wired Markets. There are no robots parking cars for six million years, but there are robots trading millions of shares in six milliseconds, so maybe that’s close enough.”

Dividend Growth Investor presents Aflac (AFL) Dividend Stock Analysis posted at Dividend Growth Investor, saying, “Aflac has consistently increased dividends for 27 consecutive years. The company announced a 16.70% dividend raise in October 2008.”

20smoney presents 401(k) Planning: The Best Way To Supplement Your 401(k) posted at 20s Money, saying, “The best ways for 401(k) participants to supplement this investment vehicle.”

Zach Scheidt presents A Specialty Finance Opportunity – KKR Financial posted at ZachStocks, saying, “KKR Financial is trading at a substantial discount to NAV. Investors are worried that the company’s portfolio of corporate debt could show losses in a difficult economy. But the potential for a KKR buyout makes the investment worth considering.”

Jimmy Atkinson presents Fixed Income ETFs: What Every Financial Advisor Needs To Know | ETF Database posted at ETF Database, saying, “During the most recent recession, many investors received a harsh reminder of the importance of fixed income investments for reducing portfolio volatility and providing a steady return. In the new world order, bonds aren’t just for retired and risk-averse investors; they should be given a major allocation in almost every investor’s portfolio.”

nissim ziv presents Investment Banking Interview: Questions, Answers, Guide & Tips posted at Job Interview Guide, saying, “This article brings questions and answers for investment banking interview with tips. The article consists of – 1. General questions. 2. Entry level investment banking. 3. Professional investment banker.”

Dividends4Life presents 10 Stocks Raising Their Dividends posted at Dividends Value, saying, “It appears many people were not confident and secure in their investing process. Many investors who lost confidence and exited the market missed the significant rally over the last couple of months.”

Mike Piper presents Should I Rollover my 401k into an IRA? posted at The Oblivious Investor, saying, “An answer to one of the most frequently asked investing-related questions: Should I rollover my 401k? For most investors, the answer is a resounding “yes!”"

straight presents Bernanke posted at Stock Market News.

Allison Johanson presents Top 50 Free Online ETF Tools posted at ETFdb.

Zach Scheidt presents Athenahealth Inc – A Reluctant Short posted at ZachStocks, saying, “Athenahealth Inc. (ATHN) has a strong medical records practice and offers comprehensive business solutions for physician practices. Despite the attractive growing company, ATHN as a stock is extremely overvalued. The fair price listed in this article might startle you.”

Praveen presents India Fund (IFN) Trade Example posted at My Simple Trading System, saying, “An example of how having a trading system gives you an edge, and let’s you take advantage of market moves outside of your control.”

Tushar Mathur presents Can’t Control the Markets? Try controlling the Costs posted at Everything Finance, saying, “As 2008 proved, the financial markets are prone to unpredictable periods of turbulence. That can make investing feel a bit like a roller-coaster ride. The disappointing results that many mutual funds posted in 2008 and at the outset of 2009 may have left you feeling concerned over your financial future. You’re not alone.”

Dividend Tree presents What is your preference – Aristocrats or Achievers? | Dividend Tree posted at Dividend Tree, saying, “The key question here is; are we willing to invest in companies that have still not completed 25 years of dividend growth? All dividend aristocrats were at that stage at some point in time.”

ABC presents Different Types of Stock Market Indexes posted at ABCs of Investing, saying, “How different types of stock market indexes work.”

The Skilled Investor presents Personal Investment Management posted at Personal Investment Manager, saying, “Investors more easily understand investment costs that are directly measurable, such as fees deducted on investment statements. However, many investors ignore or are unaware of the opportunity costs of their sub-optimal investment behaviors. Opportunity costs are usually much more difficult to measure directly, but these investment costs can be even higher than more visible investment fees.”

Managing Debt

Pinyo presents Dave Ramsey’s How to Drive Free and Retire Rich posted at Moolanomy, saying, “An analysis of Dave Ramsey’s Drive Free and Retire Rich plan. See how Dave Ramsey turns good concept into an inevitable disappointment for people who follow this plan.”

jim presents Best Cash Back Credit Cards posted at Blueprint for Financial Prosperity.

Ray @ Financial Highway presents Basics of Credit Score and Credit Report and How often to Check posted at Financial Highway, saying, “Credit reports have become increasing important factor when looking for loans and mortgages, here is a basic overview of what credit report is and how often to check them.”

Jeff Rose presents New Credit Card Rules of 2009 posted at Jeff Rose.

MoneyNing presents AnnualCreditReport.com For Free Credit Reports posted at Money Ning, saying, “AnnualCreditReport.com should be the only way to get a free credit report.”

Joe E presents Loan Forgiveness Programs Reduce or Eliminate Student Loan Debt | Consolidating Student Loans Online posted at Consolidating Student Loans Online, saying, “After 4+ years of college, many students are left with tens of thousands of dollars worth of student loan debt and are forced to start paying back hundreds of dollars per month on these loans. This is tough to do when the economy is down and it’s not easy to find a job. There are alternatives to paying back student loans where you can have some, or all, of your federal loans payed off through various loan forgiveness programs.”

Miscellaneous

Roshawn Watson presents Should You Buy A House Outright? posted at Watson Inc, saying, “Suppose you find yourself in the somewhat unique predicament of having the resources to purchase your house outright without a mortgage. Is it then financially-wise to make the purchase?”

mfd presents Funemployed – The End Of Society? posted at My Findependence Day, saying, “A look at how the trend of being funemployed can affect the future of EI”

No Load Bonds presents Bond Index Fund posted at Bond Index Fund, saying, “Simply put, if you pay higher bond mutual fund fees, then these bond management expenses tend just to be a deadweight loss to you. The best bond fund buying strategy is to pick only very low-cost no load bond funds.”

FMF presents Free Money Finance: When Work and Money Collide posted at Free Money Finance, saying, “What do you do when money issues enter the workplace?”

MoneyNing presents How to Get Out of a Rut and Out of a Slump posted at Money Ning, saying, “Ever in a rut? Here’s how to get out.”

Ben presents College Student Identity Theft posted at Money Smart Life.

Retirement Planning

PT presents Roth IRA Rules posted at Prime Time Money, saying, “The rules around the Roth IRA.”

Super Saver presents A Gift of Retirement Funds posted at My Wealth Builder, saying, “A relatively small lump sum investment of $10,000 can lead to a significant sized nest egg at retirement.”

Miss M presents Early Retirement – The Starting Line posted at M is for Money, saying, “We’ve laid out our goals for early retirement and what it will take to get there. In this post I lay out where we stand today, at the starting line.”

Top Stock Index Funds presents Top Stock Index Funds posted at Top 10 Index Fund, saying, “Buy these top 10 very low cost no load S&P 500 index mutual funds directly. You do not have to pay the heavy added expenses of buying through a stock broker, financial adviser, investment adviser, or investment counselor.”

Bucksome presents Retiree Boot Camp posted at Buck$omeboomer’s Financial Path to Retirement, saying, “Reviews “drills” to be used in preparation for retirement in areas like spending, savings and planning.”

Tom Drake presents How Much Do You Need To Retire? The Rule Of 20 | The Canadian Finance Blog posted at The Canadian Finance Blog, saying, “While the 4% rule has become a standard quick calculation for retirement planning, there is a new rule that is similar, The Rule of 20.”

Risk Management and Insurance

Patrick @ Military Money presents COBRA Benefits Subsidy in the 2009 Economic Stimulus Recovery Act posted at Military Finance Network, saying, “The 2009 Economic Stimulus Plan includes additional COBRA and unemployment benefits.”

Savings

Four Pillars presents Back To School Cell Phone Deals posted at Quest For Four Pillars, saying, “Comparison of the best cell phone deals for students heading back to school.”

Ray presents Invest In the Best CD Rates posted at Money Blue Book.

Jason @ Redeeming Riches presents What a Cow, a Red Box and Hair Clippers Have in Common posted at Redeeming Riches, saying, “Find out what these three things have in common and how they can help you in the reaching of your goals.”

Taxes

Jeff Rose presents IRS is My Hero: The Heroes Earnings Assistance and Relief Tax Act (the HEART or Heroes Act) posted at Jeff Rose.

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.

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