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Financial Planning and Personal Investment

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

Carnival of Financial Planning – Edition #163 – October 29, 2010

Welcome to the October 29, 2010 Edition #163 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.


The Skilled Investor, Editor

Budgeting and Economics

Roshawn Watson presents Economists Blame ME for the Slow Recovery posted at Watson Inc, saying, “We are responsible with our money, yet instead of admiration (or even understanding), these efforts garner contempt as the frugal once again get the blame for dismal economic activity.”

The Skilled Investor presents Save More posted at Personal Financial Strategy, saying, “Budgeting and self-control in consumption is far more important than clever investing. Expenditure control and budgeting works, while “clever” investing usually is counter-productive.”

Estate Planning

Jeff Rose, CFP presents The “Someday File” for That Inevitable Day posted at Jeff Rose, saying, “Here are a few simple steps to make things easier on your descendants in a time of grieving.”

Financial Planning

Rachel presents Is Diversification Good? posted at MomVesting, saying, “Most of us worry about how to be diversified, but is that the right worry?”

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.

freefrombroke presents What To Do With Your Money In Your 20s, 30s, And 40s – Ideas From Generation Earn posted at Free From Broke, saying, “Ideas for your money in the decades of your 20′s, 30′s, and 40′s from author Kimberly Palmer’s new book Generation Earn.”

FMF presents Credentials versus Accomplishments posted at Free Money Finance, saying, “When you hire a financial planner, which matters more, credentials or accomplishments?”

PT presents Meeting with a Fee-Only Certified Financial Planner, Part 2: Planning Session and Retirement Recommendations posted at Prime Time Money, saying, “My experience with a fee-only CFP. This is part two, and contains what the meeting was like and what our recommended investments were.”

Sustainable Life Blog presents Prioritizing Goals? posted at Sustainable Life Blog, saying, “Wondering where to turn when starting to attack debt? Here’s a quick guide on how to help you prioritize your goals.”

Roshawn Watson presents 7 Surprising Facts About Millionaires posted at Watson Inc, saying, “Culturally, we are plagued by images of “bling this” and “bedazzle that”; however, how many “artifacts of wealth” are truly held by real millionaires?”"

The Financial Blogger presents A Day As A Financial Planner posted at The Financial Blogger, saying, “A look at the work involved with being a financial planner.”

My Journey presents If You Have a Child With Special Needs Please Be Careful When Making Financial Moves posted at My Journey to Millions, saying, “When you have a child with special needs a simple moving of money could lead to horrible results!”

Larry Russell presents Best No Load Mutual Funds posted at Best Index Mutual Funds, saying, “Superior past performance has simply not been shown to be a reliable predictor of superior future performance. However, low costs can lead you to the best mutual funds.

Susan Howe presents Living Like a Millionaire on Pennies a Day posted at Get Rich Slowly, saying, “It isn’t the money, the job, or one’s personal situation that keeps people from living a more exciting life. It’s the fear of making a change.”

Financing Education

Jason @ Redeeming Riches presents 8 Financial Myths to Discuss with Your Kids posted at , saying, “Teaching kids about money can be tough, but dispeling these myths is a great place to start!”

FMF presents Examples of How to Pay for College Without Borrowing posted at Free Money Finance, saying, “Want to know how to attend college without incurring debt? This post offers two real-life suggestions for doing just that!”

Neal Frankle presents Private Career Colleges ? Calculate the Value posted at Wealth Pilgrim: Money Management Advice, Financial Stess Management, Addiction Recovery Plan & Resources, saying, “Private career colleges …are they worth it? A private career college teaches you the skills you need to perform a specific job or launch a small business.”

Praveen presents Is The Education Market The Next Credit Bubble? posted at My Simple Trading System, saying, “How educational loans appears to be a bubble like mortgages.”


MoneyNing presents 15 Ways to Earn Extra Money posted at Money Ning, saying, “There are lots of ways to make more money. Here are 15 to start you off.”

Health Care

Jeff Rose, CFP presents Health Care Reform Measures In Effect Now posted at Jeff Rose, saying, “Here are some of the changes from Health Care Reform that are in effect right now and some that will be coming in 2014.”

MoneyNing presents 10 Hassle Reducing Tips for Dealing with Insurance on Medical Care posted at Money Ning, saying, “Who doesn’t want to save some money and time dealing with health insurance?”


The Financial Blogger presents The First Time Is Always The Worst posted at The Financial Blogger, saying, “A tale of an investment gone wrong the first time.

Jeff Rose, CFP presents 22 Investors You Need to Follow on Twitter posted at Consumer Boomer, saying, “To help you get good investment information, here are 22 investors you need to follow on Twitter.”

Intelligent Speculator presents Including international exposure in your investments posted at Intelligent Speculator, saying, “An interesting situation involving international risk.”

Ryan @ CML presents Understanding US Treasury Bonds posted at Cash Money Life, saying, “What you need to know about US Treasury Bonds and how they can be a stabilizing part of your investment portfolio.”

Steve Alexander presents Should Apple Buy SanDisk? posted at MagicDiligence – Optimizing Joel Greenblatts Value Stock Strategy, saying, “Apple is on the prowl to invest $51 billion dollars, and MFI stock SanDisk is losing its long-time CEO and co-founder. With a huge dependence on flash memory now and for the future, does it make sense for Apple to consider bringing it in-house?”

2 Cents presents Stock Allocation: All or None? posted at Balance Junkie, saying, “Is it OK to have all of your investments in stocks? Is it OK to have none of your money in the markets? Are both of these approaches wrong?”

Ryan @ CML presents Invest in Gold, Silver or Precious Metals? posted at Cash Money Life, saying, “Gold and other precious metals are at or near record highs. Should you invest in gold, silver, and other precious metals?”

Patricia Stallworth, CFP presents Build a Portfolio That Fits You posted at Women’s Money Blog – MsMoneyMatters.com by Patricia Stallworth, saying, “If you are new to investing or if you jumped out during the last market downturn, it’s time to jump back in and build a portfolio that fits you. While there are numerous theories about how you should allocate the assets in your portfolio, the best ones are designed around your investment objectives (or your goals), your time frame, and your risk tolerance level.”

Praveen presents Caveat Emptor: If An Investment or Opportunity Appears Too Good To Be True, Beware! posted at My Simple Trading System, saying, “Beware of investment opportunities that seem to be too good to be true.”

BIFS presents What Is a Stock and Why Should I Care? posted at Budgeting In the Fun Stuff, saying, “This is a great guest post from Barbara Friedberg about investing in stocks for beginners like me.”

Tushar Mathur presents Can’t Control the Markets? Try controlling the Costs posted at Everything Finance, saying, “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 may have left you feeling concerned over your financial future. You’re not alone.”

Dividend Tree presents Dividend Investing and Businesses with Moat posted at Dividend Tree, saying, “In general, companies with moats in their business are very good dividend growth providers. However, the opposite may not be true.”

Craig Ford presents How to Invest at Lending Club | A Guide for New Investors posted at Money Help For Christians, saying, “Learning how to invest at Lending Club is an important step in earning good returns. This is an introduction for beginners.”

Frank Vertin presents Top Index Funds posted at Index Mutual Funds, saying, “Top ten no load index funds that track the Standard and Poors 500 composite index in terms of lowest costs.

Darwin presents Worst. Trade. EVER! … posted at Darwin’s Money, saying, “CNBC has been running a great segment on the Worst Trade Ever for industry leaders like Warren Buffett and Bill Gross. Hence, Darwin has shared his horrendous investments from his 20s; share yours as well.”

Dan presents How to Short Gold…If You Dare posted at ETF Base, saying, “With everyone talking about buying gold, maybe now it’s time to learn to short it? Here are several methods to profit from a possible popping bubble.”

Dividends4Life presents 19 Dividend Stocks Heating Up Their Yields posted at Dividends Value, saying, “Dividends from a quality, well-diversified portfolio are much more predictable than capital gains and best of all, they are passive. You don’t have to do anything, they just show up in your brokerage account each quarter. Inflation? Not to worry, the good companies routinely raise their dividends well in excess of the inflation rate.”

Mike Piper presents Low-Risk Investment Planning posted at The Oblivious Investor, saying, “Instead of setting expensive goals and using high-risk investments to attempt to meet them, what if we started with low-risk investments and set goals based on modest returns?”

The Skilled Investor presents Stock Market Timing posted at Personal Investment Management, saying, “Always stay invested to earn risk premiums. You must have your money invested and at risk to get risk premium returns. Jumping out and in or “timing the markets” doesn’t work.”

Intelligent Speculator presents Why I do not use intra-day stops posted at Intelligent Speculator, saying, “My rationale is explained in the article.”

Arjun Rudra presents Statistical Arbitrage Pairs Trading With Michael Kapler of SciVest Capital Management posted at Investing Thesis, saying, “While you may have heard of simple pairs trading which involves going long one security and going short another, it’s the statistical arbitrage aspect that you’ll be introduced to today.”

FIRE Getters presents Tax FREE Money Market Mutual Funds! posted at FIRE Finance, saying, “Most astute investors are aware of municipal mutual funds also known as MUNIs. These funds invest in term debts issued by various state and local governments. In general dividends and gains from muni funds are exempt from federal as well as state taxes …”

Tomas Escent presents Stock Trader Automation posted at Nerds on Wall Street

Tom @ Canadian Finance Blog presents How Investing in Gold Can Save You From an Economic Crisis posted at The Canadian Finance Blog, saying, “How can investing in gold protect you in an economic crisis? Gold acts as an emergency currency, recognized as being precious and valuable around the globe.”

Silicon Valley Blogger presents How To Buy Stocks At The Prices You Want posted at The Digerati Life, saying, “Determine how best to buy stocks if you are a stock picker.”

adampiplica presents Me? Oh, I HATE Money! posted at Magical Penny, saying, “We can’t ignore saving for the future and the best place for our money is in stocks.”

Consumer Boomer presents How to Build a CD Ladder For Maximizing Return posted at Consumer Boomer, saying, “When you ladder your CD investments, you can maximize the potential earnings. Here’s how.”

marc ryan presents Rebalancing your investments before you drive off the road – IndependentInvestor.info posted at IndependentInvestor.info, saying, “A car owner who does not rebalance his tires can end up in some precarious positions. In the financial world rebalancing refers to bringing your portfolio back to its original Asset Allocation mix, again before any serious damage occurs. Most experts recommend it, but contrary to tire rebalancing, most investors hesitate to do it. We go back to the basics of rebalancing in this series of commentaries. In this first part, we look at what exactly it is (and is not), the good and bad reasons why you should do it, and why investors don’t like to do it. In follow-up commentaries we will look at some recent studies on rebalancing, and finally at the nuts and bolts of carrying out rebalancing.”

Super Saver presents Buying Stocks After the Mid-Term Elections posted at My Wealth Builder, saying, “I’ve decided hold off making any large equity purchases until after the November 2, 2010 midterm elections.”

Managing Debt

Jeff Rose, CFP presents Reasons to Avoid Payday Loans posted at Jeff Rose, saying, “Find out just how evil Payday loans can be.”

Joe Plemon presents How to Avoid Christmas Debt Without Becoming a Grinch … 12 Great Tips posted at Personal Finance By The Book, saying, “Piling up debt in order to celebrate the birth of Christ doesn’t add up. These tips will help your Christmas season be a true celebration.”

Janet presents Credit Cards: Speedway to Bankruptcy posted at Credit Cards Canada.

Roshawn Watson presents Why Is Debt Really Decreasing? posted at Watson Inc, saying, “In the first quarter of 2008, our debt to disposable income peaked at a staggering 131%. This means for every dollar we earned, we spent $1.31. As of March, our debt as a share of our annual income is presently 122%. If you think this change indicates that we have collectively been so scarred by the “Great Recession” that we are now behaving fiscally responsible, think again. There is a surprising and sad reason why our debt has gone down. Hint, it has nothing to do with frugality.”

David presents 5 Amex Rewards Cards That Offer Instant Approval posted at Credit Card Offers IQ.

Ryan @ CML presents Correct Errors On Credit Report posted at Cash Money Life, saying, “Credit report errors can have a big effect on your credit score. This article will show you how to check your report for free and correct any errors in your credit report.”

Mike @ Green Panda presents Four Reasons Why YOU Are Broke posted at Green Panda Treehouse, saying, “It’s now time that you take full accountability for your finances.”

Big Cajun Man presents Found Money Trap posted at Canadian Personal Finance Blog, saying, “Found money should go on debt no matter what!”

Ryan @ MFN presents How to Dispute Errors on Your Credit Report posted at The Military Wallet, saying, “Errors on your credit report can cause major problems with your credit score and ability to get a loan. This article gives you the info you need to make sure your credit report is accurate.”

The Smarter Wallet presents Are Debt Counseling Services The Way To Debt Relief? posted at The Smarter Wallet, saying, “On debt counseling services.”

Tim Chen presents Just in Time for Summer: Save Money with the HHonors Hotel Rewards Program posted at NerdWallet Blog – Credit Card Watch, saying, “The Hilton Honors Reward Program is a great program, but there are 4 major components you need to understand before you can fully take advantage of the program.”

CardWisdom presents The Worst Credit Cards Ever posted at Card Wisdom, saying, “Credit cards being marketed to consumers with bad credit are among the worst in history. And these four credit cards could keep people in debt for life with false promises and 59.9% interest rates.”


nissim ziv presents Success Definition: What Is Your Definition of Success at Work? posted at Job Interview Guide, saying, “Before answering this open-ended question, it will be better to develop some clarity on meaning of “success”. How do you define success at work? Why ‘success’ in career, or at work, is hard to get?”

Joe Plemon presents How to Share Financial Responsibility with Your Spouse posted at Personal Finance By The Book, saying, “Although sharing financial responsibility with your spouse is a huge part of a successful marriage, it is an aspect far too often overlooked. These guidelines will not only help your finances; they will help your marriage.”

MoneyNing presents Can You Be Rich and Miserable? posted at Money Ning, saying, “It is easy to feel miserable no matter how much money you have, but do you get more upset when you see someone who has a load of money but can’t find happiness?”

MoneyThinking presents What Does the SEC do? posted at Money Thinking, saying, “Over the past couple of weeks, we’ve been exploring the stock market and one thing that always comes up is the SEC, or the United States Securities and Exchange Commission. Like a lot of government agencies, this group seems like some elite, undercover agency that no one really understands what it does. But, my friends, this…”

Pasadena Financial Planner presents Vanguard’s Investment Performance posted at Top Mutual Funds, saying, “Compares Vanguard’s actively managed mutual funds and Vanguard’s passively managed index mutual funds. Vanguard investors should read and understand this study.”

Retirement Planning

Mike @ Green Panda presents Retirement Planning When You are in your 20s posted at Green Panda Treehouse, saying, “We should all consider retirement planning as soon as possible. Ideally, your retirement plan should start as early as you when you land your first job… while still in school.”

Madison DuPaix presents To Roth 401k or Not to Roth 401k? posted at My Dollar Plan, saying, “No matter how near or far retirement is for you, you may be considering a Roth 401k. Find out here if it’s right for you.”

The Financial Blogger presents Where Will Your Retirement Income Come From? posted at Do Not Wait, saying, “For most mere mortals, the question that begs to be asked is: where will your retirement income come from?”

Lauren Mendel presents Who Thinks They are Going to Retire Ahead of Schedule? posted at Richly Reasonable – Successes and failures, all in the name of living reasonably., saying, “A USA Today “snapshot” last week revealed that people with lower incomes were more confident that they could retire ahead of schedule. Take a look at some possible explanations for this statistic.”

Super Saver presents Retiree Financial Lessons from the Recession posted at My Wealth Builder, saying, “Although I wish this recession had not happened, I am glad that it happened early in our retirement, while we were better able to meet the financial challenges. Also, we learned the following lessons, which I’m sure will continue to help us through out our retirement years.”

Ryan @ CML presents How to Make a 401k Hardship Withdrawal posted at Cash Money Life, saying, “Tips on how to make a hardship withdrawal from your 401k, and why to avoid it if possible!”

Jeff Rose, CFP presents QDRO and Your 401k or Pension Plan posted at Jeff Rose, saying, “Here’s an article you don’t want to miss. Find out some important facts about your 401k or pension plan and your beneficiaries.”

Walter W. Fouse presents Top Ten Large Cap Core Mutual Funds posted at Best No Load Funds, saying, “This table of low cost top 10 S&P 500 mutual funds has been organized with the lowest cost index fund first. Nevertheless, each of these S & P 500 index funds is among the least costly on the market.”

Risk Management and Insurance

Silicon Valley Blogger presents How To Buy A Life Insurance Policy For Low Cost posted at The Digerati Life, saying, “Some suggestions on how to go about buying life insurance for better prices.”

Super Saver presents Why My Car Insurance Premium is Really Low posted at My Wealth Builder, saying, “I pay $267 a year for my car insurance. There are two types of reasons for my insurance being low: situational factors and price discounts.”

Susan Howe presents Unforgiven: Top 5 reasons your insurance policy will be cancelled posted at Car Insurance Articles, saying, “Your insurance company will give you the boot if you do any of these.”

Consumer Boomer presents Term Life Quotes posted at Consumer Boomer, saying, “When you purchase an insurance policy it is important to know exactly what you are buying. Here is some important information about Term Life quotes.”

Big Cajun Man presents Self Insured Company Disability Plans posted at Canadian Personal Finance Blog, saying, “Sometimes insurance is not as safe as you might think (in Canada at least)”


The Financial Blogger presents October Net Worth Statement $151,019 (-0.62%) posted at The Financial Blogger, saying, “A net worth update for the past month.”

N.W. Journey presents Five Saving Strategies to Help You Start Saving posted at Networth Journey, saying, “Here’s some tips for people struggling to save money.”

KCLau presents Are You Rich in Internal Assets? posted at KCLau’s Money Tips, saying, “pay attention to the internal assets.”

Ryan @ MFN presents How to Redeem US Savings Bonds posted at The Military Wallet, saying, “Many people own US Savings Bonds but don’t know how much they are worth, or how or where to redeem them. This article gives you the info you need.”


Ryan @ MFN presents Challenge Property Taxes posted at The Military Wallet, saying, “Tips on how to successfully challenge your property tax assessment to lower your property tax bill.”

Super Saver presents Qualifying for Money Giveaways from the Government posted at My Wealth Builder, saying, “Since retiring in October 2007, our taxable income is much lower. We now qualify for a number of tax credits that we weren’t eligible for in the past.”

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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