Welcome to the September 6, 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

Kacper Wrzesniewski presents Track your expenses posted at KacperWrzesniewski.com, saying, “I decided to track my expenses in September. Read why and how I do this.”

Nathalie Lussier presents How Getting Out of Line Can Get You To Your Financial Finish Line Sooner posted at Billionaire Woman.com, saying, “Learning to curb your spending can be a joy, once you learn to do things you enjoy since they are often inexpensive.”

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

Financial Planning

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

Tool presents HSBC Direct Online Savings Review posted at Savings Toolbox.

Financing Education

Colin Robertson presents How to Stop Receiving Credit Card Offers posted at The Truth About Credit Cards.com.

Nicholas Powiull presents Conscious Flex: How to Find Your Passion and Make It Your Career: by Nicholas Powiull posted at Conscious Flex, saying, “finding your Passion and making it your Career is perhaps the most important financial choice you can make in your life! This article explain in detail and clarity on how to do that!”

Sam presents NEW !! Best Free College Scholarships for College Students. Scholarship Search Program and Application ! Surfer Sam posted at Surfer Sam and Friends, saying, “Best Free College Scholarships for Students. Scholarship Search Program and Application. An Average Student Can Get a College Scholarship. Free Scholarship Cash for College Students Undergraduate scholarships and graduate fellowships are forms of aid that help students pay for their education. Unlike student loans, scholarships and fellowships do not have to be repaid. Free college scholarships range from $100 to $100,000. More than 1.3 million scholarships totaling $3 billion dollars are offered. There’s a college scholarship waiting for you. Best Opportunities for Free College Scholarships for Students Average students often ask if there are any scholarships available to students who don’t have an A+ average. Yes, there are many college scholarships for average students that don’t emphasize academic merit. There are also many community service scholarships. Some scholarships and fellowships target students with special qualifications, such as academic, athletic or artistic talent. Awards are also available for students who are interested in particular fields of study, students who are members of underrepresented groups, who live in certain areas of the country or who demonstrate financial need. Scholarships are offered on the basis of your career goal, major, academics, your intended college, your financial need, public service, talent, athletics, leadership, religion, and ethnicity.”

Health Care Finance

Wilfrid presents Financial Effects Of Smoking posted at Your Finish Rich Plan, saying, “Health effects might take a while to materialize, but the financial effects of smoking take an instant toll”

Investing

The Stock Teacher presents Short Squeeze On The Horizon For Luby?s (LUB)? posted at Stock Investment, saying, “Could good quarterly earnings spark a short squeeze among Luby’s shares?”

TheWild1 presents 6 Rules for the New Investor posted at TheWild1, saying, “Six rules to maximize your profits”

Michael Cintolo presents Be Flexible! posted at The Iconoclast Investor.

FIRE Getters presents U.S. Economy Grounded? Think Again posted at FIRE Finance.

Dividends4Life presents Dividend Stocks In the News: September 4, 2008 posted at Dividends 4 Life, saying, “Just as picking fruit from a mango tree does not harm it, living off dividends does not damage the investment’s ability to produce future results. A mango tree’s life will easily span an entire generation. Similarly, well-chosen dividend investments will not only provide income in retirement, but can be passed to your children who can continue to reap the benefits.”

Babak presents The Shortsellers’ Favourite Month posted at Trader’s Narrative, saying, “Warning! September has been historically the worst performing month of the year in the stock market.”

Upside Trader presents Hey, Maybe I’m Wrong posted at upsidetrader, saying, “I’m the biggest financial bear on the planet as you all know. Najarian is talking about the off the charts call option action in the financials today, and I do have to “respect” bullish action in any group when it presents itself.”

texasdave presents Forex Trading posted at Make Cash Online.

Walter W. Fouse presents Vanguard Index Mutual Funds Versus Vanguard Managed Funds posted at Best No Load Funds.

Richard M. Rothschild presents Bond Market Index Funds posted at Bond Market Index Funds.

Frank Vertin presents Top 10 S and P 500 Index Funds posted at NO LOAD INDEX FUNDS

Managing Debt

Del Sandeen presents 3 Reasons to Run from Debt Settlement Companies posted at Fiscal Liberty.

Master Your Card presents How to use The Fair Debt Collection Practices Act to your advantage posted at Master Your Card.

FMF presents Do We All Really Spend More with a Credit Card? posted at Free Money Finance, saying, “Does using a credit card really make us spend more?”

imarketing4s presents What to Ask a Credit Counseling Agency posted at Free Debt Consolidation: Qualified Financial Management.

CreditAddict presents How to Make Money With 0% Balance Transfers posted at CreditAddict.

Retirement Planning

retirehappy presents Four Reasons Couples Should Stagger Retirement posted at My Retirement Blog.

Savings

MoneyNing presents 6 Neat Ways to Build Your Emergency Fund posted at Money Ning, saying, “Various ways that you have not tried to save for your emergency funds!”

Alexander presents SmartyPig: Savings With A Goal in Mind posted at Wealth Junkies, saying, “With the instant gratification that credit cards provide, it’s become more of a struggle for many people to save. SmartyPig and similar opportunities seem like they will make savings easier for those of us unsure where to start. Offering 3.90 percent interest definitely helps, too.”

Jim presents How To Prepare for Online Bank Access Failures posted at Blueprint for Financial Prosperity.

nickel presents Risk-Free Banking posted at fivecentnickel.com, saying, “A rundown of tips to reduce your risk when banking.”

Larry Russell presents The Top 25 Low Cost Best US Money Market Funds posted at THE SKILLED INVESTOR Blog.

Taxes

Robert D Flach presents THE FEELING IS DEMUTUAL posted at THE WANDERING TAX PRO.

Alexander presents Start Thinking About April 15 posted at Wealth Junkies, saying, “With April 15th just 6 months around the corner, it’s time to make sure you understand what you have to do to qualify for any particular tax deduction or credit. Some good ideas are in this article.”

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

Miscellaneous

The Smarter Wallet presents 7 Frugal Tips To Clean and Care For Your Clothes posted at The Smarter Wallet.

Livingalmostlarge presents Money as a Dealbreaker? posted at LivingAlmostLarge, saying, “Does money matter in a relationship? Will you give up on a relationship for debt?”

KCLau presents Secrets to Writing an Ebook in Three Easy Steps posted at KCLau’s Money Tips, saying, “Why one would want to write an ebook and secrets behind writing one.”

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: , .

Tags: budgeting, economics, estate planning, financial planning, financing education, income, insurance, investing, managing debt, retirement planning, risk management, taxes

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