Welcome to the January 10, 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

Madeleine Begun Kane presents Man Can’t Live By Bread Alone ? Or Can He? posted at Mad Kane’s Humor Blog.

Moneywise presents Cost of owning a car posted at The Real Returns, saying, “I calculate the ownership cost of a car over the 10 year period.”

Lin Burress presents How To Teach Your Children About Money And Money Management | Telling It Like It Is posted at Telling It Like It Is.

RacerX presents Budget as a Four-Letter Word posted at Life, Liberty and the Pursuit of Money, saying, “One of the first thiong you must do to get your finances in order is to establish a budget. Unfortunately, this is where many fail.”

Economics

Sagar presents 20 Reasons Why a Falling Dollar Isn’t Necessarily a Bad Thing posted at Currency Trading.net.

Jacob presents The economics of Robinson Crusoe posted at Early Retirement Extreme, saying, “Economics 101″

Ian Welsh presents Has the Dollar Hegemony’s Tipping Point Been Passed? posted at The Agonist, saying, “When the point of no return hits, the long term utility of holding the majority of savings in dollars, especially for US citizens, will also be past.”

Financial Planning

KCLau presents Husband and Wife: Who Should be the Financial Controller? posted at KCLau’s Money Tips, saying, “An article describing how a couple can combine their finances and make that advantageous for them. The article also discusses certain issues regarding combining finances for husband and wife.”

Matthew Paulson presents Four Ways to Give Yourself a Raise posted at American Consumer News.

GWN Lifestyle presents Show Me the Money! posted at GWN Lifestyle, saying, “Simplified revenue model and financial forecast to give business owners an idea of how much money can be earned in a short period of time.”

Sagar presents The Top 80 Charities for Open Source and Open Access Advocates posted at Virtual Hosting.

RacerX presents Zen Through Better Budgeting… posted at Life, Liberty and the Pursuit of Money, saying, “Talks about the peace of mind that can be achieved by having your finances in order. So much of our day-to-day money stress comes from worries about whether we will be prepared to handle what is coming. A few small steps can allieviate much of that worry.”

KCLau presents KCLau’s Money Tips in 2007 - Personal Finance Articles Yearly Roundup posted at KCLau’s Money Tips, saying, “roundup of finance related article discussed in 2007″

Marcus Hochstadt presents Pay Business Expenses Wisely And Travel For Free posted at Marcus Hochstadt, saying, “Do you pay your business expenses wisely? Or like the headline indicates, would you like to travel the world for free (which is one opportunity that occurs when you pay your expenses wisely?)”

Mark McGuire presents Responding to Millionaire Mommy Next Door posted at TheLocoMono Website, saying, “Mark @ TheLocoMono responds to a question posed by Millionaire Mommy Next Door. Have you responded to her question?”

Lily presents The ABCs of CFPs, CFAs, and Other Financial Advisors posted at The Honest Dollar, saying, “Choosing a financial advisor is a daunting proposition when you swim in a sea of acronyms mined with bad advisors out to make a quick buck. This article offers a few tips on choosing an advisor and protecting yourself as well as a few resources to help find and research advisors.”

neumes presents Creative Ways to use the Net Worth Calculator Beyond Creating a Millionaire Math Map posted at Millionaire Neumes, saying, “Getting from your current net worth to your financial freedom goal should start with some basic math. Even if you currently have more debt than worth, I give examples how to use my free net worth calculator to think out of the box to help plan your future.”

Roshawn Watson presents Taking Control of Your Financial Life posted at Watson Inc, saying, “Either consciously or subconsciously, we steer our financial lives. Throughout the day, we make a myriad of decisions that move us steps closer to success or mediocrity and financial struggle. The point is we are constantly making choices that affect our financial destinies, yet we often do not act like we are in the drivers’ seats.”

The Credit Card Guy presents Setting Financial Goals for 2008 posted at Credit Cards That Pay, saying, “Its important to start planning your finances now so you can have a successful and prosperous 2008. Here is an extract from the article “Once I get all of these goals written down it provides me with a painted picture of the year to come. I then have a financial direction to head towards and there are a lot less unknowns.”"

Big Cajun Man presents Belated Happy and Prosperous New Year posted at Canadian Personal Finance Blog, saying, “Start the new year out right with a financial plan for the year.”

Financing a Home

Kathie Goldsmith presents President Bush signs significant mortgage tax relief bill? posted at Team Reba Real Estate, saying, “Team Reba blogs about residential, investment, and commercial real estate topics and many related subjects.”

Graham Bradlington presents Quickly Finance News » Why Lenders Will Readily Accept Your Secured Loan Application posted at Quickly Finance News.

Income

Christine presents Monetizing Your Website Through Inspiration and Desire posted at Me, My Kid and Life: An American Single Mom Living in France.

David presents Bloggers Reveal Their Net Worth posted at Worldwide Success.

Investing

Dereck Coatney presents Very Large Dataset Analysis #3 – 91 Good Dividends For Bad Times posted at The Best Stock Trading in the World.

Leon Gettler presents Tips for surviving the recession posted at Sox First, saying, “The US might have already entered a recession. Here are some tips for surviving it.”

Raag Vamdatt presents Goal Based Investing :: RaagVamdatt.com :: Financial Planning demystified posted at RaagVamdatt.com - Financial Planning demystified.

Dereck Coatney presents A Comprehensive Diagnostic Analysis Of A Misbehaving Stock Market—Part I posted at The Best Stock Trading in the World.

Investing Angel presents Is Trading For You? posted at Stock Tips, saying, “See if stock trading is the right for you!”

Lucy Baldwin presents Buying Gold 101 For Beginners posted at Gold To Buy: Investing in Gold, saying, “Here is a beginner’s guide to investing in gold.”

Mark McGuire presents K.I.S.S $1000 per Month posted at TheLocoMono Website, saying, “Keeping It Short and Simple, Mark @ TheLocoMono explores how much you would earn if you started saving $1000 now at 4, 6, 8, or 10 percent for the next 40 years.”

The Dividend Guy presents Understanding The Investor Life Cycle posted at The Dividend Guy Blog, saying, “Investors go through certain stages in a life time. This post talks about those phases.”

MM presents Invest Like Harvard and Yale posted at PFBlog.com: The Unique Personal Finance Blog Since 2003.

Value Seeker presents Are Mutual Funds For You? posted at Stock Investing.

Dividends4Life presents Stock Analysis: C posted at Dividends4Life, saying, “A detailed analysis of Citi Corp. (C). The first in a three part series titled “Sometimes Things Aren’t As They Appear”.”

Investing Angel presents Common Stock Investing Mistakes posted at Stock Tips, saying, “As we go into 2008, let’s recap some of the common mistakes we all make and strive to avoid making them in 2008. 1. Trading too often. This largely depends on the size of your asset base.”

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.”

Managing Debt

Silicon Valley Blogger presents 9 Reasons Why I Love My Credit Card posted at The Digerati Life, saying, “Thank you!”

Michael E Johnson presents Tips On How To Pay Debt To Improve Credit posted at Student Loan Consolidation, saying, “There is no way to have credit unless you know how to create good spending habits. Here are some important items you need to follow if you are looking to create financial success.”

Karen Halls presents Bankruptcy - How To Recover And What To Expect posted at A Bankruptcy Lawyer’s Blog, saying, “This articles talks about Bankrupcty and what you should expect along the way. Recovyer advice is also given.”

Michelle Cramer presents How to Improve Your Credit Score posted at GreatFX Business Cards, saying, “What you need to know and do to improve your credit score.”

Real Estate

Ted Reimers presents Buying a Home near a College is a good investment posted at CampusGrotto, saying, “The demand for property near a College will always be high. It’s not like the College is going anywhere anytime soon.”

Retirement Planning

Mark Runta presents What Kind of Retirement Are You Planning? posted at Smart Investing & Money Management, saying, “There are various kinds of retirement - well at least three options worth considering”

Risk Management and Insurance

Kathie Goldsmith presents A lesson in the dangers of distressed property purchases… posted at Seattle’s Rain City Real Estate Guide, saying, “Reba Haas is a featured blogger on Rain City Guide. You can read her regular blog at TeamReba.com/blog. Team Reba blogs about residential, investment, and commercial real estate topics and many related subjects.”

Dorian Wales presents Uncertainty and Risk differentiated – Is a Tactical Surprise Preferable to a Strategic Surprise? posted at Personal Financier.

Savings

Samuel Bryson presents Pedalling Money - Saving Money by Cycling: posted at Total Wellbeing.

Miscellaneous

Ted Stearns presents Rights For the Underdog posted at Seasoned TradeLines, saying, “Although those with financial difficulties may feel that no one is willing to fight their cause, there is still hope for the underdog.”

FMF presents My New Year’s Money Resolutions posted at Free Money Finance, saying, “My resolutions for 2008.”

ChristianPF presents Primerica pros and cons | ChristianPF.com posted at Money in the Bible | Christian Personal Finance Blog, saying, “Discussing the pros and cons of Primerica.”

Mr Credit Card presents Cash Back Credit Card Comparison Calculator posted at Ask Mr Credit Card, saying, “This is our cash back credit card calculator”

Betsy Teutsch presents Throw Money at It! Money as a Problem Solver posted at Money Changes Things, saying, “All that careful planning, investment, budgeting, risk management yada yada yada pays off in a crisis: the greatest aspect of financial security is FREEDOM FROM MONEY WORRIES, when you can just throw money at a problem….”

poetloverrebelspy presents Claim Your Refund for Foreign Credit Card Transactions posted at Less Than a Shoestring, saying, “If you made any foreign credit card transactions between 1996 and 2006, you are likely due at least a $25 refund from your credit card company. Find out how to get your “free” money in this post.”

Christine presents Finding Your Special Talent 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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Tags: cost of owning a car, early retirement, financial controller, financial security, husband and wife, millionaire, money tips, mutual funds, owning a car, personal financial planning, theskilledinvestor.com

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      Thank you very much for including my articles in the Carnival. Lots of great information here, great job.

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