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Carnival of Financial Planning — The A Side — November 8, 2012

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



Jeff Rose @ Life Insurance by Jeff writes Why Choose an Independent Life Insurance Agent – For the many in search of life insurance, an independent life insurance agent can play a vital part in obtaining the best policy. An exclusive agent is only able to offer insurance options from one company. An independent agent can offer insurance alternatives from a number of carriers. This has some similarities to the way that some insurance agencies will compare the rates of other companies.

Jason @ Live Real Now writes More Debt – Effectively, we’re paying about $300 in interest to give us a chance to move our assets around to take advantage of an SUV meeting our needs for $3000 under blue book. Yes, we could have waited until the assets were ready, but this truck wouldn’t have been there, so we jumped on it.

Jacob @ My Personal Finance Journey @ My Personal Finance Journey writes How Much Does it Really Cost to Be Middle Class? – “We hear a lot these days about the “shrinking middle class;” is it true? Most people consider themselves to be middle class whether they’re actually below it, above it, or right about there, financially speaking. It’s pretty accurate to say that the term “middle class” is really more subjective than actual.” This post dissects the financial considerations of the middle class and begs the question: how much does it actually cost to be in the middle class?

James Petzke @ This Is Common Cents writes The Number One Way to Save Money – Being healthy is the best way to save money in the long run.

Ted Jenkin @ Your Smart Money Moves writes 10 Mistakes That Entrepreneurs Can Make – There are 10 Mistakes that Entrepreneurs make that can prohibit them from creating a very successful business.

Bryan Maltier @ Gajizmo.com – Personal Finance writes Best Home Insurance Coverage, Companies, Quotes and Rates – Learn about the different types of homeowners insurance policies and coverage options, what each covers and how it will protect you, your family, and assets during specific circumstances.Then, consumers will get tips on how to lower their rates.

Little House @ Little House in the Valley writes Someday Your Life Will Flash Before Your Eyes. . . – Car companies sell this idea through commercials – a glimpse of this lifestyle if you buy the car. Or, buy the car, have the life. The reality is closer to: buy the car, have more debt.

Young @ Young And Thrifty writes When You Suck At Democracy It’s No Fun – “It has been said that democracy is the worst form of government except all the others that have been tried.”



FMF @ Free Money Finance writes Best Ways to Make Extra Money: Sell Your Old Stuff – Today we’re continuing my series on the best ways to make more money. We’re going to focus on how you can earn extra income by selling your old stuff.

Emily @ PT Money Personal Finance writes My IncomeatHome.com Experience: Solid Plan or Total Scam? – IncomeatHome.com is endorsed by a few celebrities, but is it all it claims to be or simply a multi-level marketing scheme?

md @ Start Freelancing Now writes How You Can Still Freelance When You Have No Time to Spare – How to make money with little free time.

Rich @ Growing Money Smart writes What Is Your (I Am Rich) Threshold – This is the investment threshold level that I would consider myself entry point rich. See if your threshold is the same as mine!

PITR @ Passive Income To Retire writes How NOT to Build Passive Income – Find out what can delay and/or reduce your passive income. Don’t fall into this trap and regret it later.

Invest It Wisely @ Invest It Wisely writes Failure to Save Leads to Financial Disaster – Do you worry about being able to pay your bills? Let’s look at how saving part of every pay check will ease these worries and allow you to get some sleep at night.

Deacon @ Well Kept Wallet writes Top 10 Business Quotes – So much can be learned from those who have been successful in business. Here is a list of the top ten best quotes about business.



Louis @ Wallet Hub writes Secured Credit Cards – What’s a secured credit card and why use one? Check out this helpful guide, especially if you are trying to build or restore your credit in order to move on to bigger and better things.

Jon the Saver @ Free Money Wisdom writes Five Ways to Take Control of your Finances – Here are five ways anyone can better organize their finances and get their wallet in order. Stop wasting time, get your finances together now.

Shawanda @ You Have More Than You Think writes How Hard is It to Discharge Student Loans in Bankruptcy? – If you’re new here, you may want to subscribe to my RSS feed or e-mail. Thanks for visiting! TweetSharebar TweetEarlier this year, the United States’ collective student loan bill topped $1 trillion.

Evan @ My Journey to Millions writes November 2012 Net Worth Update – From October 2012 to November 2012 my net worth “increased” .28% Year to Date my net worth has increased 37.54% From January 2011 to October 2012 my net worth has increased 137.63%

Liana @ Card Hub Blog writes “It’s Time for Dirty Debt Collectors to Feel the Heat ” – The CFPB – The Fast and the Furious? – Now they are going after debt collectors. It’s been a busy last few months for the Federal Pitt Bull. What are they doing this time to protect the consumer?

Teacher Man @ My University Money writes How Much Should I Get In Student Loans? – Most young students that I remember figured that whatever “free money” the government was willing to give loan them was ok by them and defaulted to taking the maximum student loan possible. Consequently, for many people who want to give students advice, the question becomes not, ‘How much CAN I get with student loans?” but rather, “How much SHOULD I get with student loans?”



J.P. @ Novel Investor writes Can You Trade If The Stock Market Closes? – The stock market doesn’t close unexpectedly very often. On days when the market is scheduled to open, there are ways to trade even when it’s closed.

Div Guy @ The Dividend Guy Blog writes This is How You Should Invest Your Next 10K In Dividend Stocks – What to do with your next thousands.

Luke @ Learn Bonds writes The Effect of ETFs on Individual Bonds – How bonds that are included in ETFs react differently to changes in market conditions than bonds that are not included in ETFs.

Maria @ The Money Principle writes How to Trade Forex – This article offers basic knoweldge about Forex traiding.

Amanda L Grossman @ Frugal Confessions writes Slowly Boiling in a Pot of COL Inflation and Increased Fees – The agency I work for has not given a cost of living increase in three years now.

IMB @ Investing Money writes ETFs – Pros and Cons – Find out the pros and cons of investing in ETF’s. There are many reasons to like them.

Ashley @ Money Talks Coaching writes Just Make More Money – We have gotten into hiking lately as a family. I’m doing what I always do when I find something I like.

Michael @ Financial Ramblings writes Investment Portfolio Performance as a Function of Stock/Bond Allocation – This post provides a breakdown of expected investment portfolio performance as a function of asset allocation, ranging from all bonds (and no stocks) to all stocks (and no bonds).

Passive Income Earner @ The Passive Income Earner writes Differences between Forex and Other Markets? – Learn the difference between forex and stock market.

Roger the Amateur Financier @ The Amateur Financier writes Book Review – The Motley Fool Money Guide – A review of the Motley Fool Money Guide, a guide to personal finance and investing, particularly individual stock investing.

Michelle @ The Shop My Closet Project writes S$&T Happens-Do you have an emergency fund? I don’t and that’s a problem – This is the reason that you need to have an emergency fund! Read more to understand why it is so important.

MR @ Money Reasons writes Why I Want Rich People To Buy Things And Spend Money – I want Rich people to buy things and spend there money! Believe it or not, but their spending just might be keeping us middle class folks employed

Jen @ Master the Art of Saving writes Getting The Most (Bang) For Your Halloween Bucks – A lot of people always complain that Halloween costumes are such a waste of money.

A Blinkin @ Funancials writes What Happens When I Swipe My Debit Card? – When you make a purchase with cash, the merchant keeps ALL of the cash you give them. If you give them $100, they keep $100. When you make a purchase with a debit or credit card, the merchant gives a small percentage of that transaction to a processing company AND the bank that issued that debit or credit card. So if you swipe for $100, the merchant keeps $98.

Jester @ The Ultimate Juggle writes Are Undecided Voters Really Idiots? I Think Not – Are undecided voters really idiots? Or are they independent thinkers instead of political muppets that agree 100% along party lines?

Jason @ Work Save Live writes Save Money With Coupons This Holiday Season – I’m a big fan of frugality, and an easy way to do this is with coupons. Many people only seem to think that coupons work for groceries or household commodities, but coupons are great ways to save on holiday gifts.

Roger Wohlner @ The Chicago Financial Planner writes Does it Matter Who’s Managing Your Mutual Fund? – It does matter who is managing your mutual fund, but beyond that it is important that the fund have a strong investment process in place. While the fund’s management might seem to be more important for an actively managed fund, in reality proper management of a passive index fund is just as important.



Wayne @ Young Family Finance writes Important Calculation for Buying a Car – Want to know how much that new(er) car is going to cost your family? Find out what the most important calculation is.



Philip @ PT Money Personal Finance writes Can I Contribute to Both Retirment Accounts: IRA, Roth IRA, 401K, 403B, 457 – A letter from a reader prompts PT to answer a question about making contributions to multiple tax-advantaged retirement accounts.


Personal Financial Planning

2 comments to Carnival of Financial Planning — The A Side — November 8, 2012