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Carnival of Financial Planning – February 21 2008 Edition


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Welcome to the February 21, 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

Chief Family Officer presents How much discretionary spending do you plan for each month? posted at Chief Family Officer, saying, “I was shocked to see how those numbers add up. After all, my “impulse” purchases are often for practical things.”

the simple nickle presents Spending POP QUIZ: Food posted at the simple nickle, saying, “This one isn’t graded. In fact, no one will know your score except you.”

Lisa Spinelli presents Life on a Spreadsheet posted at Greener Pastures, saying, “The spreadsheet is a budgeter’s dream.”

Joshua C. Karlin presents New Productivity Tool posted at Marketing & Fundraising Ideas.

Economics

Sagar presents 10 Countries That Benefit from the Falling Dollar posted at Currency Trading.net.

Jacob presents The problem with the economic stimulus package and what to do about it posted at Early Retirement Extreme, saying, “I think people should be more aware of the difference between monetary policy (which is all smokes and mirrors) and fiscal policy (which aside from the market is the other source of all things good or bad). The belief in the Feds is too great. They actually have little effect on events other than the problem that the market currently believes everything they say.”

Kurt Brouwer presents Our Children Will Be Lucky To Inherit Federal Debt & Federal Assets posted at Fundmastery Blog, saying, “What are the assets that go with Federal government debt?”

Sagar presents 20 Surprising Ways High Oil Prices Affect the Global Economy posted at Currency Trading.net.

Financial Planning

Warren Wong presents What Commiting To Something Means And Why You Should Do It posted at Personal Development for INTJs, saying, “Here are good reasons why you shouldn’t be afraid of commitment.”

the simple nickle presents Long Distance Running and Personal Finance posted at the simple nickle, saying, “People can’t believe that they could enjoy running their finances the way those joggers enjoy running their daily route. As a runner, and one who runs the family finances, I can tell you that it is possible!”

Brent Riggs presents G. Brent Riggs – You End Up Wherever You Are Headed – Discipline – Life Management posted at Brent Riggs.

Big Cajun Man presents Procrastination and Finances posted at Canadian Personal Finance Blog, saying, “Is procrastination a real tool for financial planning?”

Charls King presents How to choose the best mortgage lender! posted at Moneyadvice – Tips, Guides and more.

wilson ng presents SME #8 – Venture Capital and the STartup posted at Reflections of a BizDrivenLife, saying, “the common wisdom for startups, especially for non conventional businesses is to go looking for venture capital. But before you do that, it might make good sense to first see if the VC and yourself have common denominator goals of how to grow the company.”

LIVING OFF DIVIDENDS presents Payday Lending: Good Or Evil posted at Pay Day Loans Must Die!, saying, “An economist’s view on payday loans.”

Shamelle presents Thinking About Money The Rich Dad, Poor Dad Way posted at Enhance Life.

Jesse presents Saving, Debt pay off, hell anything, you name it – will never be easier than right now posted at The Penny Saved, saying, “There is never a better time than now to fix your finances”

Financing a Home

Nigel Swaby presents Pay Off Debt or Save? posted at Salt Lake Real Estate Blog, saying, “Which activity will get you into a home faster, saving or paying off debt? The truth may surprise you.”

Silicon Valley Blogger presents How To Safely Borrow For A House Purchase posted at The Digerati Life, saying, “Thank you!”

Charles H. Green presents Decaying Social Trust and Moral Indignation posted at Trust Matters, saying, “Distressed homeowners are facing a growing chorus of advice to walk away from predatory subprime mortgages as bad business debt. Before you make this kind of decision, let’s explore the ramifications.”

Health Care

Jose DeJesus MD presents More Doctors Consider Opting Out of Medicare and Private Networks posted at Physician Entrepreneur.

Income

Kingsley Tagbo presents How To Recession Proof Your Career posted at HOW TO LEARN COMPUTER PROGRAMMING FAST OR GET A JOB EASILY.

David B. Bohl presents Is Your Time Worth What You Think It Is? | Slow Down Fast Today! ~ David B. Bohl posted at Slow Down Fast Today!, saying, “When we only value our time at what we get paid in an hour, we shortchange ourselves. Sure, our time is worth at least what we can make at our job in that hour. But time has a value far beyond the monetary value.”

Jeremy Zongker presents 101 Ways to Make Money Online posted at Destroy Debt.

David B. Bohl presents Small Business Trends Column – Aspiring Entrepreneurs: No Money?No Problem! Get Started Today posted at Slow Down Fast Today!, saying, “There are a number of things you can do right now to help you get started on the path toward building your dream business.”

Ted Reimers presents The Highest Paying Careers posted at CampusGrotto, saying, “When it comes to choosing a career, money is of course something that needs to be considered but by no means is it everything. Here is a look at some of the top paying careers.”

Investing

The Investor presents How to harvest wheat and mine gold using ETCs posted at Monevator.com, saying, “By buying commodities you can therefore diversify your portfolio over the long-term so it’s less dependent on the returns from shares. You might also hope to trade commodities, if you think you can buy when they’re priced low and sell when they’re high.”

American Entrepreneur presents Dive Right In, The Sharks Won’t Bite: Recommended Reading for Entrepreneurs posted at American Small Business News.

C. Worrall presents Quarterly Investment Commentary and Analysis posted at CFO Yourself, saying, “Analysis of current market conditions and state of the economy.”

Donovan Snelleman presents Why You Should Learn To Invest posted at ImprovedLife.ca, saying, “A few reasons why I believe that everyone should learn to invest without the aid of a financial planner.”

Investing Angel presents How To Avoid A Stock Scam posted at Stock Tips, saying, “There are a lot of pundits out there that offer investing tips for a fee. While some of these investing services may be well worth the money, others are scams are certainly close to a scam.”

Richard Epley presents Getting Real about Investment Real Estate posted at Blue Jeans Millionaire.

chica with issues presents A look at some investment strategies posted at One Snarky Chica with Issues, saying, “A look at some investing strategies for new investors.”

nickel presents Building a Cocktail Party Portfolio posted at fivecentnickel.com, saying, “As good an idea as it is to build a low cost, index-based portfolio, sometimes you just want to fit in… Well, look no further. I have the perfect solution — build yourself a cheap and interesting “cocktail party” portfolio so you can be one of the gang.”

Dividends4Life presents Charlie Munger’s 10 Rules for Investment Success posted at Dividends4Life, saying, “Charlie Munger, Warren Buffett’s friend and partner, is quite an investor in his own right. A recent Motley Fool article “Charlie Munger’s 10 Rules for Investment Success” details Munger’s 10-step investment checklist from his book Poor Charlie’s Almanac.”

Leon Gettler presents Subprime explained – crunch time glossary posted at Sox First, saying, “Credit crunch? Credit default swaps? Honeymoon loans? NINJA loans? Negative pledge? The subprime crisis is upon us and investors are confronted with jargon designed to baffle and keep them in the dark. Here is a glossary of key terms you’ll need to know to keep ahead of the game.”

Dirk Masuch Oesterreich presents Water – the Commodity that’s not a Commodity posted at Nevada Gold Investor, saying, “Water investing is a much overlooked opportunity. This article looks at the global water business from a fundamental perspective.”

Donovan Snelleman presents Resources for Dividend Investments posted at ImprovedLife.ca, saying, “A list of online resources to help dividend based investors.”

Joe Hitchem presents Stamps – A Sticky Investment posted at Start Stamp Collecting, saying, “How to collect stamps as an investment!”

Tyler McKinna presents 5 Reasons To Buy and Hold posted at Dividend Money, saying, “An article outlining 5 reasons to be a buy and hold investor and not a stock trader. An explanation of the 5 reasons allows you to develop a more stable financial plan.”

Martin Roth presents CleanTech & China: two hot stock market themes posted at Green Technology Investor, saying, “Green technology stocks have been booming on stock markets around the world. The Chinese market is also hot. What happens when you combine the two?”

Dobromir presents Dollar Cost Averaging posted at Create Rising Passive Income From Dividend Paying Stocks, saying, “The pros and cons of dollar cost averaging.”

Erica Douglass presents The REAL American Dream (Hint: It?s NOT Owning A House!) posted at erica.biz – Erica Douglass challenges you to change your life! What is holding you back from your dreams?, saying, “How not owning a house can make you financially free at a young age. Includes details (numbers as well as emotional reasoning.) One of the most popular recent posts on my blog…generating a ton of discussion!”

The Investor presents The secret to investing when stock markets are falling posted at Monevator.com, saying, “Too many investors — and personal finance blogs — focus on their net worth, which can lead to depression and even the abandoning of goals when markets are falling. Instead, set goals that YOU can control, such as how much to invest a month, or what income your portfolio products.”

Larry Russell presents The Fund Authority Score – A Better Mutual Fund and ETF Rating System posted at THE SKILLED INVESTOR Blog, saying, “With the Fund Authority Score system, individual investors can make concise and objective mutual fund and ETF comparisons. Fund Authority Scores are based on cost, performance, and other measures, which are correlated with better long term buy-and-hold investment results.”

Oscar DaGrouch presents Diversification or, di-worse-ification posted at Make me money.

Managing Debt

Michael Bass presents Reasons to stop using credit and pay cash posted at Debt Prison, saying, “Just credit card debt alone has reached 915 billion in the U.S. currently. Not using credit is an unpopular idea. It’s unpopular because our banker controlled culture has convinced us that using credit is not only necessary, but should be relished.”

Mr Credit Card presents Balance Transfer Credit Cards Video Tutorial and Guide posted at Ask Mr Credit Card, saying, “Video Tutorial about credit cards that offer 0% teaser rates”

CheapCanuck presents Frugal Living Tip # 5 – Both a Borrower and a Lender Be posted at CHEAP CANUCK, saying, “The 5th post in an ongoing series of frugal living tips designed to help eliminate debt and attain financial freedom”

Raymond presents Redeeming Citi ThankYou Points For Great Gift Card Rewards posted at Money Blue Book, saying, “Advice and tips on how to maximize the card rewards that you redeem…avoid cash and statement credit”

Ryan presents The Cost of Using Your Credit Card posted at Building Millionaire Money Habits, saying, “Using credit to purchase unnecessary things you can’t afford to immediately pay off is just a poor financial decision, and diminishes your investment returns. Avoid the interest payments all together and change the belief that the spending limit on your credit card is “additional income” rather than the noose that it is.”

Personal Finance Claims presents How You Might Soon End Up With A Blocked Credit Card posted at Personal Finance Claims.

Retirement Planning

Praveen presents The 62/70 Solution for Claiming Social Security Benefits posted at My Simple Trading System.

LIVING OFF DIVIDENDS presents Can You Retire On Less Than $3,000 A Month? posted at LIVING OFF DIVIDENDS, saying, “Can You Retire On Less Than $3,000 A Month?”

Risk Management and Insurance

Dave presents Protect Your Portfolio posted at Cheapo Groovo.

Savings

KCLau presents Don’t spend the money you don’t have, to buy the thing you don’t need, to please the people you don’t like! posted at KCLau’s Money Tips, saying, “How one can avoid spending the money one does not have thereby reducing the incidences of overspending”

FMF presents Don’t Assume Quantity Purchases Are Always Best posted at Free Money Finance, saying, “Simple way to save money.”

Tip Diva presents Top Ten Tips – Hitting Holiday Sales posted at Tip Diva, saying, “For some people, the best part of a holiday is the sales that come along with it. Tip Diva, for one, loves discounted chocolate the day after Valentine’s Day! Here are tips on how to get the most bang for your buck after festivities.”

John Crenshaw presents The Biggest Scam Your Bank Gets Away With Everyday posted at Truthful Lending dot Com, saying, “This little known scam accounts for a huge portion of fees paid to banks every year and is going on right under your nose. The worst part is, it’s completely legal.”

Taxes

Michael Bass presents Want to really help the Economy? Apply that $600 to your debts posted at Debt Prison, saying, “If everyone went out and spent the $600, sure the economy would execute a brief gallop. But how long would it last? A few weeks or even a couple of months at most – and then what?”

FIRE Getters presents How to e-File Multiple State Returns with TaxAct Online? posted at FIRE Finance.

Super Saver presents How Children Can Cause Taxes To Increase Sharply posted at My Wealth Builder, saying, “Watch out when a child no longer qualifies for a tax credit or deduction.”

Madeleine Begun Kane presents Taxing Times posted at Mad Kane’s Humor Blog.

David presents What Is A Novated Lease? posted at Novated Lease Australia, saying, “A novated lease is an arrangement whereby you can lease a car using pre-tax dollars to pay for it. This can be a powerful strategy over time, giving you access to a car while lowering your taxable income.”

Madeleine Begun Kane presents Form 1040 Blues posted at Mad Kane’s Humor Blog, saying, “Tax Filing Humor”

Miscellaneous

Nick at BnG presents The Beernut Gallery – Go and Get it… With Your Good Credit posted at The Beernut Gallery, saying, “All about credit scores. How to get free ones and why young adults should care about theirs!”

Nick at BnG presents The Beernut Gallery – 8 Quality Calculators posted at The Beernut Gallery, saying, “Some various calculators that I’ve found helpful. I think they are specifically helpful for young adults.”

Christine presents The European Exchange Rate and travel in Berlin, Germany posted at Me, My Kid and Life: An American Single Mom Living in France.

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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