Financial Articles - Personal Finance

Carnival of Financial Planning - November 15  2008 Edition

Welcome to the November 15, 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

Skyler Reep presents Skyler Reep’s Blog: Get Real About Your Money posted at Skyler Reep’s Blog, saying, “Your financial life is a complex journey. Would you really start it without a map?”

Debt Wizard presents Credit Cards- What To Look For posted at Money Help, saying, “The right credit card for you depends on your spending habits and if you are able to fully pay off your credit card each month.”

Lisa Spinelli presents Let the Games Begin: Holiday Ads Are Starting | Greener Pastures: Personal Finance posted at Greener Pastures: Personal Finance, saying, “One thing is for sure this holiday shopping season. The shopper is in the driver’s seat. Check out some of this early bird sales at ebates and more.”

CindyS presents Focus On Finances: Keeping It Simple posted at Oh My Aching Debts, saying, “When starting to budget the most important thing that you can do to ensure your success is to keep it simple. Just focusing on your finances will help you to plan and save”

Quimby C presents Is a Personal Loan Your Best Cash Flow Emergency Solution? posted at loanstory.net, saying, “What’s the best solution in a cash flow emergency situation? Consider applying for a personal loan instead of reaching for your credit cards. Use your “emergency” as a wakeup call to start an emergency savings account.”

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

Economics

Curt presents The Nightmare that Nobody Wants to Talk About: The Next Depression posted at PennyJobs.com.

David Carter presents One Small Business That is Doing Well in This Economy posted at David Makes Cents.com, saying, “Discuses my new business venture.”

Financial Planning

Mr Credit Card presents The ABCs of Getting Out of Debt posted at Ask Mr Credit Card.

Joe Manausa presents How To Stay Calm In The Real Estate Market posted at Tallahassee Real Estate Blog, saying, “The entire financial world appears to be a scary place right now. Many people are starting to “smell opportunity” and yet are a bit too fearful to act on their instincts. The goal of this article is to get you to consider doing some homework and creating a decision matrix so that you can start to take advantage of the opportunities when you are ready.”

KCLau presents My Greatest Financial Fears posted at KCLau’s Money Tips, saying, “Everyone will encounter several personal fears as they go through their life phases. There is one fear which most of us will definitely have to deal with and that is financial fear. I have listed down below several financial fears that the majority of us will encounter.”

sherin presents Top personal financial planning mistakes 1 – No goal posted at Investment Internals, saying, “A series of articles related to top financial planning mistakes and its remedies”

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

Valeria presents 10 Painless Ways to Escape Being Squeezed by Your Plastic posted at Timeless Lessons.

Super Saver presents Financial Lessons from my Parents’ Generation Re-Learned posted at My Wealth Builder, saying, “The financial crisis of 2008 is causing my generation to re-learn lessons from the Great Depression.”

Health Care Finance

Livingalmostlarge presents It’s open enrollment! posted at LivingAlmostLarge, saying, “Is it really too late?”

Income

Dorian Wales presents Shortcuts to Early Retirement – Absurd Frugal Thinking or Common Financial Sense? posted at The Personal Financier, saying, “Permanent income gone astray”

Himadri Choudhury presents Career Planning posted at Thread Pool, saying, “This post is about career development. I think it is relevant since how much money one pulls in a very important factor in someone’s finances.”

Patrick @ Cash Money Life presents Why Alternative Income Streams Are Part of My Long Term Plans posted at Cash Money Life, saying, “I’m using alternative income streams as a method of hedging against our current economy and to prop up my retirement savings.”

FMF presents How to Demonstrate that You Deserve a Raise posted at Free Money Finance, saying, “Get a raise by deserving a raise.”

Investing

MoneyNing presents Try Buying When You Want to Sell and Vice Versa posted at Investing School, saying, “Time for something radical since nothing else is working anyway!! :)”

Fatty presents Automated Day Trader: Double Moving Average Crossover, Test 1 posted at Fatty Fat Fat.

Ripe Trade presents Thanksgiving day trade posted at Ripe Trade, saying, “Historically buying on the close the Tuesday before Thanksgiving and selling on the close the Friday after thanksgiving would have yielded far superior returns when compared to a typical two day return. The edge in the S&P is 5 times larger than a random, 2 day holding period and the edge in the NASDAQ is 51 times larger than a random 2 day holding period with 83% of all occurrences being winners.”

Sun presents Time to Invest in Alternative Energy? posted at The Sun’s Financial Diary.

Wilfrid presents Socially Responsible Investing: Go Green And Make Money At The Same Time posted at Money Galaxy - Make Money | Save Money | Invest Money, saying, “Socially Responsible Investing is the wave of the future”

FIRE Getters presents Investing – Riding the Recession with Awareness, Planning and Investment posted at FIRE Finance.

Zach Scheidt presents Petrohawk Energy Corporation (HK) - Cooking With Gas posted at ZachStocks, saying, “Petrohawk Energy Corporation (HK) may represent an attractive investment after being beaten down significantly. While prices on oil and natural gas have traded sharply lower, the company has successfully hedged much of its production and is cash flow positive.”

Qovax presents The Perils of One-time Charges posted at Value Investing and Entrepreneurship by Qovax, a Software Startup, saying, “When it comes to pleasing Wall Street, some companies would do anything to spruce up their books. One of the most common shenanigans management would use is one-time charges. One-time charges are expenses that do not recur. Because of this, one-time charges are usually reported separately to prevent any disfigurement of an otherwise pristine net income.”

Raag Vamdatt presents Understanding a Fixed Maturity Plan (FMP) :: RaagVamdatt.com :: Financial Planning demystified posted at RaagVamdatt.com.

Jae Jun presents Profit from Special Situations - Risk Arbitrage posted at Old School Value, saying, “Part 5 in the series of profiting from special situations. A primer on how Risk arbitrage works and what you need to know in order to implement the strategy.”

Patrick @ Cash Money Life presents Don’t Stop Retirement Contributions posted at Military Finance Network, saying, “People should continue to invest during this economic downturn.”

ABC presents Bull Markets and Bear Markets posted at ABCs of Investing, saying, “A brief description of bull and bear markets.”

Investing School presents Earnings Per Share (EPS) posted at Investing School, saying, “Learn all about Earnings Per Share, how to calculate it and why it’s useful!”

ANTHONY PHIRI presents AS Blog:Mavericks,Intellectuals & Lifestyles posted at Mavericks,Intellectuals and Lifestyles:Decoding the News into Facts, saying, “The time has come when one needs to be shrewd as far as the markets and finance and investing are concerned.I believe that knowledge should be shared so people are aware of the results of taking a specific course of action.”

Managing Debt

Greg Shuey presents Understanding FHA Home Loans posted at Utah Mortgage.

The Financial Blogger presents Key Points To Get A Mortgage posted at The Financial Blogger, saying, “Since banks tightened their credit rules, it is better to know what counts when applying for a mortgage.”

Fitz Villafuerte presents On Good Debt, Bad Debt and Ugly Debt posted at Ready To Be Rich, saying, “You may already know about good debt and bad debt. But have you heard of ugly debt? This article explains the meaning and differentiates these three kinds of debt.”

CreditShout presents The Hidden Costs of Credit Cards posted at CreditShout.

imarketing4s presents How to Ease Your Debt with Debt Consolidation Loans | Consolidate4Free: Free Debt Consolidation Articles posted at Free Debt Consolidation: Qualified Financial Management.

Retirement Planning

Bill Spohnholtz presents Social Security Sense posted at Learn The Stock Market And How to Trade.

Mike Smith presents Saving Retirement Calculator posted at Richer by the Day, saying, “A different type of retirement calculator, which uses the percentage of income saved to determine how quickly retirement can be reached. Results can be proudly displayed on your blog with the generated badge source code.”

Savings

ChristianPF presents The best place to save money posted at Money in the Bible | Christian Personal Finance Blog.

fwp presents set aside $1000 for you, now! posted at the financial wellness project.

MoneyNing presents Reduce, Reuse, Recycle and How it Helped with My Personal Finance posted at Money Ning, saying, “While I didn’t know at the time what the benefits were, I’m glad we practiced it anyway because it helped me so much!”

sherin presents Child savings and investment requirement posted at Investment Internals, saying, “Save your kid by watching this photo”

Jim presents EverBank Review posted at Blueprint for Financial Prosperity.

Jesse Wojdylo presents America, We CAN Get Out of Debt! posted at Subprime Blogger.

Taxes

Khan presents Freelancers - Tax Deductions posted at Higher Education and Career Blog, saying, “Freelancers enjoy working when and how much they want and being their own boss. However, along with the freedom of freelancing, comes the responsibility to manage finances.”

Robert D Flach presents ASK THE TAX PRO - MARRIAGE AND FORM W-4 posted at THE WANDERING TAX PRO.

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

Miscellaneous

Sarah Scrafford presents Healthy Paranoia: Top 50 Internet Security Blogs posted at The Daily Netizen.

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: carnival of financial planning, blog carnival.

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Carnival of Financial Planning - November 8 2008 Edition

Welcome to the November 8, 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

Save Money presents Revising My Budget posted at How I Save Money.net.

One Family presents Frugal Living – Skiing Story posted at One Family’s Blog, saying, “The post looks at how average American families can ski on a budget using frugal strategies.”

Credit Shout presents Responsible Credit use Through the Holiday Season posted at CreditShout.

Vicky presents Are Wedding Videos Worth It? posted at Affordable Wedding Planning, saying, “An analysis of whether wedding videos are worth the cost.”

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

Economics

Mr. ToughMoneyLove presents An Interview with Economist Peter Navarro on the Economic Crisis posted at Tough Money Love » Hard Truth and Tough Love for Money Problems and Personal Finance, saying, “Economists understand that government stimulus policies will not prevent a deep recession.”

Joshua Seth presents Benefits Of Economic Recession posted at Joshua Seth Blog, saying, “Is there something in the air that’s getting people down lately? My guess is that with all the news about the drop in home prices, stock prices, and consumer confidence a lot of people are starting to feel pretty bad about themselves and their future.”

Roshawn Watson presents We’re In Financial War posted at Watson Inc, saying, “A recent Wall Street Journal article argues we are in financial war, and it is us vs. the economy. Unfortunately, most Americans are badly prepared. You would think with the heightened awareness of our current economic state, we would feel urgency and vigilance to position ourselves to weather the current and coming financial storms. Instead, there is widespread fear but little action.”

Roshawn Watson presents Deleveraging Your Life posted at Watson Inc, saying, “The US economy has turned a new page. Despite the bailout passing in Congress, there are serious concerns that consumers and businesses will undo “more than ten years of a credit boom.”"

Jacob presents A tale of three species posted at Early Retirement Extreme.

TheMoneyHawk presents Reality Check: The President Can’t Save Us, Nor Should He posted at The Money Hawk, saying, “Everyone in the country needs to read this article, period.”

Estate Planning

mbhunter presents Back to Basics: Plan, plan, plan posted at Mighty Bargain Hunter, saying, “This post serves mainly as a reminder of a number of things that we need to do with planning our financial futures.”

Andrew Flusche presents 5 Famous Will and Estate Contests posted at Andrew Flusche, Virginia Lawyer, saying, “Learn about five famous will contests that tore families apart. More importantly, you can see what these people did wrong, so you don’t make the same mistakes in your estate plan.”

Financial Planning

The Smarter Wallet presents Women and Money By Suze Orman, A Book Review posted at The Smarter Wallet, saying, “Thank you!”

Raag Vamdatt presents Money Fundamentals: Spending, Investing, Credit, Debt :: RaagVamdatt.com :: Financial Planning demystified posted at RaagVamdatt.com.

hank presents How Is What We Are Going Through Now Different From The Great Depression in the 1930’s? posted at My Investing Blog.

Michael Haltman presents Name Your Favorite Wall Street Cliche posted at The Political and Financial Markets Commentator, saying, “As a constant listener to business radio and watcher of business TV, I am consistently being given advice by so-called experts that is usually something that could be generated by my 12 year old.”

Khan presents Getting Personal About Your Finances posted at Higher Education and Career Blog, saying, “It’s time to put the phrase personal finance in your vocabulary.”

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

Financing Education

Carlos Sera presents A Twenty Million Dollar Tale « Financial Tales posted at Financial Tales, saying, “I think your readers will enjoy this tale.”

Scott Miscall presents Investment Property and Fixer Upper Homes posted at Should you Consider Hard Money Finance?, saying, “Hard money finance can be a means to an end for some people and it can be beneficial. But, it really should be thought of as a last resort and not something to bank on for a long term solution.”

Larry Ferlazzo presents The Best Sites For Students To Create Budgets | Larry Ferlazzo’s Websites of the Day… posted at Larry Ferlazzo’s Websites Of The Day For Teaching ELL, ESL, & EFL, saying, “Here are a list, and descriptions, that are accessible for English Language Learners to develop budgeting skills.”

Income

Sebastien presents Coping with a layoff posted at Pinching Copper, saying, “Getting laid off sucks. Plain and simple. Sometimes it happens without warning, othertimes you can see it coming from a mile away. But no matter how you cut it, not having to get up early the next Monday morning can be both scary and depressing.”

Investing

Christine presents Buying Stocks in a Volatile Market posted at Me, My Kid and Life: An American Single Mom Living in France, saying, “Looking for and finding the silver lining in these economically challenging times.”

Joseph presents How To Invest posted at Your Investing Guide.

One Family presents BDCs (ACAS, ALD, MCGC, PSEC) – A Comparative Analysis posted at One Family’s Blog, saying, “A comparative analysis of four business development companies (BDC).”

Jesse Wojdylo presents November Stock Market Predictions posted at Subprime Blogger, saying, “November Investing Predictions!”

Todd presents The Coolest 401k Option Ever posted at HarvestingDollars, saying, “Thank you for your consideration! -Todd.”

Investing Angel presents Investments To Avoid posted at Stock Tips, saying, “Some investments to avoid - especially in the coming recession!”

Weight Ladder / Rich Leverage presents Resisting Panic: A Quick Guide to Surviving The Credit Crunch posted at Rich Leverage.

Cash Money Life presents Invest As Much As You Can Now, So You Will Have Options Later posted at Cash Money Life, saying, “Investing more while you are young gives you longer to let your money grow and gives you more opportunities later in life.”

FMF presents Why I Sold My Mutual Funds posted at Free Money Finance, saying, “One positive to the market downturn.”

FIRE Getters presents Want To Be A Millionaire? Follow the YAWN Philosophy posted at FIRE Finance.

Dividends4Life presents Dividend Stocks in Today’s Market posted at Dividends 4 Life, saying, “List of what to look for in dividend stocks in today’s market.”

The Fund investor presents The Hidden Advantage Of Mutual Fund Investing posted at Mutual Fund Investing Tips, saying, “Mutual fund investing is a good way to prevent making investing mistakes.”

nickel presents 2009 Traditional and Roth IRA Contribution Limits posted at fivecentnickel.com, saying, “Taking a look ahead to IRA contribution limits and phaseouts for 2009.”

TheMoneyHawk presents How an $800 Tax Bill Taught Me Not to Be a Greedy Idiot posted at The Money Hawk, saying, “The market is on sale. How can I sit idly by and pass up this chance for potentially amazing investment growth? How can I put cash into a money market account at 3.5% interest when there are funds to invest in at 30% below their normal value? Those were the questions I was asking myself a couple weeks ago. Those were the questions that got me into trouble.”

Managing Debt

Green Panda presents 5 Things to Do to Build Wealth in Your 20s posted at Green Panda Treehouse, saying, “Foundation of building net worth is achievable especially if you start early.”

Mac presents Get Out of Debt Plan posted at Actorlicious.

The Financial Blogger presents TheCreditToolBox.com posted at TheCreditToolBox.com, saying, “Find out about the basic credit card terms and definitions.”

Andrea Smith presents How Can I Use Debt Reduction Consolidation Services? posted at Free Debt Consolidation: Qualified Financial Management.

CreditAddict presents Beware the Phantom Credit Check When Opening a Bank Account posted at CreditAddict, saying, “A word of warning about the fact that many banks do a hard credit check when you open an account.”

Mr Credit Card presents My Take On The Credit Card Bill Of Rights, And A New Reward Card Benefit posted at Ask Mr Credit Card.

MoneyNing presents Credit Card Spending Limit, Credit Scores and Conventional Mortgages posted at Money Ning, saying, “A credit card representative told me that my credit card limit alone will affect my credit score. Do you believe her?”

Retirement Planning

retirehappy presents Retirees: Consider Buying TIPS posted at My Retirement Blog.

Lazy Man and Money presents Our Early Retirement Plan: My Personal Income (Part 2) posted at Lazy Man and Money.

Risk Management and Insurance

Silicon Valley Blogger presents Get The Right Coverage! Insurance Policies You Need and Those To Avoid posted at The Digerati Life, saying, “What type of coverage should we acquire? Here’s a rundown of which insurance policies to own and which to consider optional.”

sherin presents Economic Recession and Preparing for a Recession posted at Investment Internals, saying, “A study on the preparation for recession time. Focused on Savings, Portfolio and Job security. An educational article for ordinary person to help self to build a self defense against problems from economic slowdown i.e. recession”

Savings

KCLau presents Case Study: Financial Goals of a Malaysian working in Singapore posted at KCLau’s Money Tips, saying, “Subscribe to my Newsletter to receive the Top Money Tips for Malaysians ebook. What you will get: * Top Money Tips e-book * Budgeting e-book (a week after signing up) * Insider’s tips not published here”

Taxes

Robert D Flach presents THAT TIME OF YEAR AGAIN posted at THE WANDERING TAX PRO.

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

Miscellaneous

Ben Dinsmore presents Buying A Boat: Tips to Avoid Buyers Remorse posted at Trees Full of Money, saying, “For many families, purchasing a recreational boat is a top financial goal. If owning a boat is on your family’s list of financial priorities, here are some important points to consider.”

Robert Rhines presents 45 Mobile Resources Every Road Warrior Must Have posted at Cell Phones.Org, saying, “On managing money and work remotely (including tracking expenses, work done) etc.”

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: carnival of financial planning, blog carnival.

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Carnival of Financial Planning - November 1 2008 Edition

Welcome to the November 1, 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

Abby Freedman presents Frugal expense-check posted at i pick up pennies, saying, “Once you’ve trimmed the obvious — buying your lunch, Starbucks, etc — there are still plenty of small expenses you’re going to want to check on.”

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

Economics

MoneyNing presents Even A Decade Long Recession Will Be Okay posted at Money Ning, saying, “We will all come out of this okay!”

nickel presents Second Stimulus Package? Another Check Might be on the Way posted at fivecentnickel.com.

Financial Planning

Jim presents Define Class with Financial Planning Time Horizons posted at Blueprint for Financial Prosperity.

Credit Shout presents Credit Cards: To Cancel or Not to Cancel posted at CreditShout.

Little Thomas presents The Get Rich Mentality posted at Soon to be Debt Free, saying, “I have studied the wealthy for much of my life, hoping to glean the secrets of their success. Despite this, I am now 35 years old and deeply in debt. Where did I go wrong? Oddly enough, one of the lessons I have learned in my quest to become debt free seems to be the fundamental lesson I have been missing all along.”

Sarah Scrafford presents 100 Best Retirement and Finance Guides for Seniors | Senior Communities Blog posted at Zarabianie na blogach.

Jim presents Best CD (Certificate of Deposit) Rates posted at Blueprint for Financial Prosperity, saying, “With the Fed lowering the interest rates, now’s a good time to lock in a higher rate CD before banks react and lower rates.”

Livingalmostlarge presents Dropped by Bank of America posted at LivingAlmostLarge, saying, “I thought I had covered myself with a HELOC, turns out not!”

KCLau presents Financial Consideration for New Parents in Malaysia posted at KCLau’s Money Tips, saying, “Recently, there is an interesting post written by Xin Lu at Wisebread about the financial consideration of having a newborn baby. The article is more catered to the situation in the USA. Although it might differ in terms of currency, the other facts might similar and worth our study. This sparks the idea of writing this post to share with you the financial side of being a new parent in Malaysia.”

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

Financing a Home

Greg Shuey presents Who Is The Best Candidate For An FHA Streamline Refinance? posted at Utah Mortgage.

Investing

MoneyNing presents Do Your Own Stock Analysis posted at Investing School, saying, “Stock analysis is a must to make money in the stock market!”

The Shark Investor presents Is Investing A Big Fat Lie? posted at The Shark Investor, saying, “Seems like investing is not what we thought”

Dividend Growth Investor presents Dividend Aristocrats are outperforming the markets in 2008 posted at Dividend Growth Investor.

Bill Spohnholtz presents Float - Authorized - Outstanding Shares - Oh My! posted at Learn The Stock Market And How to Trade.

FIRE Getters presents Investing - Which Stock Market Indexes to Choose? posted at FIRE Finance.

Dividends4Life presents If It Walks Like a Duck, Quacks Like a Duck, Then It Must Be an AFLAC (AFL) Dividend Increase and Others posted at Dividends 4 Life, saying, “When I first started dividend investing, I erroneously focused on current dividend yield. I was fortunate enough to accidentally buy some good dividend stocks and hold them long enough to figure out the “secret” of dividend investing.”

Jed Norwood presents Why You May Fail Going From Demo to Real posted at Forex Strategy Secrets, saying, “Forex trading is a unique way to invest your money that gives you the most control. This tip on how what you think and feel effects is a powerful one for any beginner.”

Ripe Trade presents 401k strategy Best seasonal period posted at Ripe Trade, saying, “I have noticed a couple of longer term signals that I believe are indicative of an important longer term buy signal. The 1st is the bullish seasonal I will describe here. And 2nd Is identifying bear market bottoms explained in the post below.”

cody butler presents Oct 27, Financial Crisis Or Opportunity? posted at Investment-For-Beginners Blog.

Joe Hayes presents Free Forex Tips posted at FreeForexTips.Info, saying, “Great free tips for those considering forex (foreign exchange) currency trading. Not sure I can pull the trigger yet but some folks make alot of money doing it.”

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

CreditAddict presents Surviving the Economic Crisis With Your Credit Intact posted at CreditAddict.

Retirement Planning

TheMoneyHawk presents Bamboozled: The Social Security Lie posted at The Money Hawk, saying, “A statement today by Barrack Obama really motivated me to get the ball rolling on a Social Security article. I was miffed when the Bush administration failed to privatize social security. I’m even more miffed that politicians are still using this failed system to try and buy votes from the generally uninformed electorate.”

Risk Management and Insurance

Khan presents Clearing Up Insurance Myths posted at Higher Education and Career Blog, saying, “We asked Dick Hospital, the Vice President of Underwriting for GEICO Insurance, to help dispel some of the most commonly held insurance myths”

Savings

marjorie presents How Much Are You Really Making Per Hour? posted at Wealth Junkies, saying, “When you’re looking for a new job, it’s important to be aware of your real hourly wage, beyond the taxes automatically taken out. You might be offered a higher wage at a new job, but is it really that much of a better deal? Will your commute remain the same? Or will you need to pay more in transportation costs? Will you have to pay any costs to move your retirement accounts? Will your current wardrobe be appropriate? Or will you need to buy new clothes? Will you be traveling more, and paying for more calls home and other costs? A new job can quickly turn into an expensive proposition. In this article, learn how to calculate your real hourly wage. It’s pretty easy.”

Online Dividends presents How to deal with falling interest rates? posted at Blogging Banks.

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

Taxes

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

Miscellaneous

FMF presents The Payouts on High Efficiency Gas Furnaces posted at Free Money Finance, saying, “Saving money by picking the right furnace.”

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: carnival of financial planning, blog carnival.

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Carnival of Financial Planning - October 27 2008 Edition

Welcome to the October 27, 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

Kevin Fleming presents 5 Ways to Save Money on your Cable or Satellite Bill posted at Satellite TV Guru.

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

Economics

Joshua Seth presents 5 Steps To Prosper In Hard Economic Times posted at Joshua Seth Blog, saying, “As I write this article the stock market has seen historic declines, property values are declining, unemployment is on the rise, and inflation is increasing. A lot of people are justifiably worried and glued to the TV news every chance they can get. So what can you do about all this? Actually, quite a lot. You may not be able to change what’s happening in the world, but you can absolutely change how it affects you and actually profit by it in a big way.”

Joe Manausa presents Dave McCormick On Restoring Global Stability posted at Tallahassee Real Estate Blog, saying, “Under Secretary David H. McCormick made the following remarks about the current economic turmoil while speaking at Wharton’s Eleventh Annual Investment Management Conference. He identified how the chaos basically got started and acknowledged that we are now paying the price.”

:: Suzanne :: presents Anatomy of a Bank Run posted at :: adventures in daily living ::.

Estate Planning

Sam presents NEW !! Do You Need a Will? Ten Steps to Make a Legal Will. When Do You Need An Attorney? posted at Surfer Sam and Friends, saying, “Do You Need a Legal Will? The Ten Steps to Make a Legal Will With or Without An Attorney A basic will is a simple document used to transfer your own property to whomever you want to get it after you die. If you have a modest estate and simple wishes about what you want to do with it, you can make your own legal will. Some people don’t want to face the thought of their death. It is an emotional and psychic hurdle. But wouldn’t you be happier to know that your plans are in place, and your wishes will be respected after you are no longer here?”

Financial Planning

Jim presents Teaching Kids About Money: Tessy & Tab Money Manager Kit posted at Blueprint for Financial Prosperity, saying, “Helping kids learn how to manage money is crucial.”

David B Bohl presents How the Average American can Weather the Financial Crisis Without Becoming Emotionally Overwhelmed posted at Slow Down Fast Today!, saying, “David Bohl, a lifestyle coach and former venture capitalist with much knowledge when it comes to the economy and financial gains and losses appeared LIVE on the radio, his message: people can actually benefit by focusing on themselves rather than just their bottom lines.”

imarketing4s presents How To Broker A Consolidation Service Debt Settlement posted at Free Debt Consolidation: Qualified Financial Management.

Marc Ryan presents IndependentInvestor.info - Do-it-yourself investors and personal financial advice: Part 1 posted at IndependentInvestor.info, saying, “Many investors want to take a more-hands on approach to managing their investments, but are reluctant to so. They want continued access to personal advice on investing from time to time, and are often fearful of losing such access should they terminate their existing relationship with a financial adviser. What to do? In this three-part commentary we first look, in this first part, at the kind of advice do-it-yourself investors need, in Part 2 we will look at the alternative approaches for seeking out that type of advice, and in Part 3, we will give you specific online sources to locate providers of financial advice.”

Khan presents Money Management posted at Higher Education and Career Blog.

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

Financing a Home

Dan Green presents The Mortgage Blog Post That Will Start Your Friday Right posted at The Mortgage Reports, saying, “27 observations on last week’s real estate and mortgage news.”

Financing Education

Ted Reimers presents 529 College Savings Plans posted at CampusGrotto, saying, “The pros and cons of prepaid tuition plans and 529 college savings plans.”

Tom Tessin presents Jobs that Help Pay With College Tuition posted at FCC Student Blog, saying, “See what companies help pay for your college.”

Income

The Shark Investor presents Be Freaking Productive posted at The Shark Investor, saying, “It looks like trying to be productive we miss the point”

FMF presents How to Demonstrate that You Deserve a Raise posted at Free Money Finance, saying, “How to show you deserve a raise.”

KCLau presents Are you part of the NEET Generation? posted at KCLau’s Money Tips, saying, “About NEET (Not in Education, Employment or Learning), the NEET generation and why there is NEET.”

Investing

ChristianPF presents My 401k has lost a lot of money - how about yours? posted at Money in the Bible | Christian Personal Finance Blog.

NtJS presents Jim Cramer Finally Makes Sense posted at not the jet set, saying, “No, I’m not saying that I finally understand his methods and that I’ll be foolishly getting sucked into day-trading in the near future.”

Cash Money Life presents Dollar Cost Averaging vs. Value Averaging posted at Cash Money Life, saying, “Here are two ways to plan your investments.”

Dorian Wales presents How to Recognize a Bull Trap posted at The Personal Financier, saying, “Listen carefully. Can you hear the snap”

Dividend Growth Investor presents Attractive Dividend Stocks in the buy zone posted at Dividend Growth Investor.

The Financial Blogger presents A play on volatility? posted at The Financial Blogger, saying, “The only thing sure on the market these days is volatility.”

Dividends4Life presents Goodrich (GR) Boosts Qtr. Dividend by 11% and Other Increases posted at Dividends 4 Life, saying, “ou can’t have a retirement plan until you have a retirement vision. It would seem to me that there are a lot or retirement plans out there but very few retirement visions. Here are a few select companies that have recently provided their shareholders positive feedback by raising their cash dividends:”

Raag Vamdatt presents Equity Investment is Risk Free - Here’s the Proof :: RaagVamdatt.com :: Financial Planning demystified posted at RaagVamdatt.com.

Cash Money Life presents Be Careful Where You Get Your Investment Advice posted at Military Finance Network, saying, “Be careful where you get your investment advice.”

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

The Financial Blogger presents R1, R2, R9 and Other Terms in Your Credit Report posted at TheCreditToolBox.com, saying, “Here is a glossary in order to have a better understanding of your credit bureau:”

Ivy presents Top 3 Measures You Should Never Resort To In This Down Market posted at Home Ec 101, saying, “They say desperate times call for desperate measures, but you should never be desperate enough to fall for these 3 predatory money-suckers.”

Brian McKay presents Personal Finance posted at MonitorBankRates.com, saying, “There is a controversial practice known as balance billing, health care providers have been going after patients for money they do not owe.”

Andrea Smith presents How Can I Recover from Bankruptcy? | Consolidate4Free: Free Debt Consolidation Articles posted at Free Debt Consolidation: Qualified Financial Management.

Mr Credit Card presents Repairing Your Credit After Bankruptcy Part Two posted at Ask Mr Credit Card.

Retirement Planning

FIRE Getters presents Secure Retirement - At What Rate Should You Save For It? posted at FIRE Finance.

Super Saver presents Retiring on the Cheap - Part I posted at My Wealth Builder, saying, “With the current stock market direction, we may all need to consider drastic options to lower our cost during retirement :-(”

Livingalmostlarge presents Retirement gets the axe… posted at LivingAlmostLarge.

Risk Management and Insurance

Dollar Frugal presents Insurance By Buying New For Reserve posted at Dollar Frugal.

Lisa Spinelli presents Have You Looked at Your Car Insurance Premiums Lately? posted at Greener Pastures: Personal Finance, saying, “Insurance agents are like subprime mortgage lenders. Their incentive is based on selling you more insurance, not necessarily the right insurance for you and your family.”

Savings

Joseph presents Davesfarm Canada’s Cheapest Man posted at Penny Pinching.

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

Taxes

Dean Paley presents RRSP’s & Moving To The U.S. | Canadian Tax Resource posted at Tax & Financial Planning Blog, saying, “If you have a Canadian RRSP (similar to an IRA) and are moving to the US, or have moved to the US, this article will explain your options with your Canadian retirement plan.”

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

DianeDean presents Deductible Traveling Expenses posted at Need IRS Help?.

Miscellaneous

Phil B. presents Why the Republican Party needs to Split << Phil for Humanity posted at Phil for Humanity, saying, “Traditionally, conservative meant fiscal responsibility, small government, support of old fashion values, and support of small businesses.”

Master Your Card presents Gifts vs. Charity: The Fine Line posted at Master Your Card, saying, “Best of luck with the Carnie this week!”

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: carnival of financial planning, blog carnival.

Copyright The Skilled Investor

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Carnival of Financial Planning - October 18 2008 Edition

Welcome to the October 18, 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

sherin presents How do you prepare for losing your job posted at Investment Internals, saying, “A strategy to build a financial shield to overcome all the financial problems that can affect your smooth life. It is a must article for those who fear about losing of job”

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

Economics

Shaun Connell presents Realistic Financial Planning for the Future posted at Financial Planning, saying, “Financial planning is founded on the future — you are planning mostly for tomorrow. Not knowing what tomorrow holds in store is destructive — know what to expect.”

Kirby presents Are you stupid for paying your mortgage? | Kirby on Finance posted at Kirby on Finance.

Emore Ogho presents Global Financial Meltdown posted at Emog.

Estate Planning

FMF presents How to Save Money on a Funeral posted at Free Money Finance, saying, “Saving money on a funeral should be part of your estate plan.”

Financial Planning

Cash Money Life presents Help! My 401(k) is Losing Money! posted at Cash Money Life, saying, “Right now, the best thing for most investors is to stay the course and follow their plan.”

Ben Dinsmore presents How to Build Up Your “Emergency Fund” in a Dismal Economy posted at Trees Full of Money, saying, “Building a comfortable emergency fund in these troubling economic times can be a little easier if you follow these tips.”

PabloPabla presents Managing Multiple Credit Cards posted at Credit Card Sense, saying, “How does one manage multiple credit cards without getting into debt? It is possible if you follow the tips here.”

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

Financing a Home

Mark Aucamp presents Remortgages Just Got More difficult! posted at Money Saving Tips, Consumer Finance, Expert, Advice and Help | Talk Money Blog, saying, “This is a sobering account of the current remortgage market today!”

Financing Education

Heather Johnson presents 100 Free Self-Assessment Tools to Choose Your College, Major, and Career posted at eLearning Gurus.

Credit Shout presents 8 Important Credit Tips For College Students posted at CreditShout, saying, “Many college students fall victim to credit card debt. However there are quite a few simple steps you can take to ensure your on the right road to managing your credit cards.”

Alan Skorkin presents How To Save Money As A Student posted at Software, Technology and More, saying, “Would you like to know how to save money as a student? Here are seven great tips you can take on board if you want to improve your financial situation while at university. All presented in the least boring way that I could come up with.”

Income

AndrewB presents A Home Based Business? Who, Why, When and Where To Start? posted at Personal Plug, saying, “Everyone loves a Home Based Business Opportunity. I love mine and you cannot be an exception I guess! So let us start from the beginning and explore as to Who, Why, When and Where you could start this Business Opportunity using the Internet.”

Investing

BillyOceansEleven presents Playing the market in a downturn posted at Close Encounters of the Cheap Kind, saying, “My thoughts and actions on investing during the current economic crisis.”

Praveen presents Taking out the DOG… posted at My Simple Trading System.

Sandy Naidu presents Warren Buffet’s Advice posted at Future Nest Egg.

Curt presents The Financial Storm Continues to Pummel Wall Street posted at PennyJobs.com.

Dollar Frugal presents Lowered Expectations (to the tune from SNL) posted at Dollar Frugal.

Wilfrid presents Recession, Panicking Investors, Stock Market Freefall… What Is Warren Buffett Doing? posted at Your Finish Rich Plan, saying, “Warren Buffett is most likely NOT panicking!”

Aussie Investor presents Stock Market Education For Beginners - Learning From Your Mistakes posted at Stock Market Investing For Beginners, saying, “We all make mistakes with our investments. This article describes how you can learn valuable lessons about investing by going back and analyzing your stock market losses.”

MoneyNing presents How Your Portfolio Performance Compared With the Averages Determine the Risk You Are Taking posted at Investing School, saying, “Manage your risk at all times!”

Dividends4Life presents Healthcare Services (HCSG) Increases Qtr. Dividend 7% and Others posted at Dividends 4 Life, saying, “I love a sale! Everywhere I turn there are stocks selling at a cut rate. But not all of them were bargains. Some of them deserved to have their prices slashed. It is our job as investors to cut through the noise and find the real values.”

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

Card Blogger presents The Best Chase Credit Card Offers posted at Credit Card Blog.

The Financial Blogger presents Why Would You Need Your Credit Bureau Anyway? posted at TheCreditToolBox.com.

Silicon Valley Blogger presents How To Get Free Credit Scores, myFICO Credit Scores On Discount posted at The Digerati Life, saying, “A helpful list of sites where you can get cheap or free credit scores.”

Weight Ladder / Rich Leverage presents Debt Decisions posted at Rich Leverage.

Bankruptcy Access presents Bankruptcy Chapter 13 posted at BankruptcyAccess.com, saying, “This week we provide the ultimate Chapter 13 post- this form of bankruptcy is now much more important after BAPCPA.”

Moneywalks presents Credit Report and How It All Works posted at moneywalks.

Retirement Planning

Sam presents NEW !! The Bank Crisis, the Subprime Mortgage Crisis and How they Affect You posted at Surfer Sam and Friends, saying, “At the foundation of the bank crisis and the stock market crash of 2008 are money, greed and risk. Traditionally, when you applied for a mortgage, your bank handled all stages of the transaction. The bank checked your credit, lent you money to buy a house, held the mortgage in its vault, collected your monthly payments and foreclosed on any bad loans. In the 1990s, things changed. A different specialist handled each stage of the mortgage. Mortgage brokers drummed up applicants for mortgages. Mortgage banks lent the money and held the mortgage note. They quickly resold these mortgage notes to investment banks. Mortgage servicing companies collected your monthly payment, and remitted the money to the owner of your mortgage. Meanwhile, investment banks put the mortgages into a trust, sorted the mortgages by risk and designed a new financial instrument, called a CMO, collateralized mortgage obligation.”

Risk Management and Insurance

KCLau presents The Malaysian Insurance Planning Guide by Meshio.com [REVIEW] posted at KCLau’s Money Tips, saying, “A review about an ebook on insurance planning. The book is specially written to guide Malaysians on their next insurance purchase.”

Savings

Raymond presents The Top 5 Online Banks For High Interest Savings and Checking posted at Money Blue Book.

The Smarter Wallet presents Ways To Save on Seasonal Purchases: Time To Shop For Halloween! posted at The Smarter Wallet, saying, “Thank you!”

Wenchypoo presents Frugality as a Recession Fighter and Depression Killer (L-O-N-G) posted at Wisdom From Wenchypoo’s Mental Wastebasket, saying, “Tells of WHY to save–for times like these and worse.”

B.M. Garrett presents Ways to lower your power bill and save money posted at Blogciety, saying, “Depending on where you live in the US, your power bill can be a real burden on your monthly expenses. During the summer in Las Vegas last year, my bill was hitting around $250 a month. That’s before I learned the key tips to lowering my power bill to save money and go greener.”

MoneyNing presents Self Discovery - My Own Buying Habits posted at Money Ning, saying, “Being frugal is a decision that only you can make and not every situation warrants it!”

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

Taxes

walter wallace presents Alternative Motor Vehicle Credit posted at Wally’s World of Taxes, saying, “If you bought a hybrid vehicle you can get a tax credit”

DianeDean presents Business Expense Deduction posted at Need IRS Help?.

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

DianeDean presents Deductible Traveling Expenses posted at Need IRS Help?.

Miscellaneous

Jim presents Stop Watching Market News, Start Watching LOLCATS posted at Blueprint for Financial Prosperity, saying, “I think that given the market, the best thing to do is something else. :)”

The Shark Investor presents Build Wealth By Moving Away posted at The Shark Investor, saying, “How moving away can help you build wealth”

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: carnival of financial planning, blog carnival.

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• Financial Articles - Personal Finance (3)
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Carnival of Financial Planning - October 11 2008 Edition

Welcome to the October 11, 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

Ben Dinsmore presents Avoiding the Stress of Costly Vehicle Repairs posted at Trees Full of Money, saying, “No matter how loyal you are to a particular make and model of vehicle, there is a very good chance that your “baby” will need at least one major repair while under your ownership.”

One Family presents Amazon.com Customer Service – Jeff Bezos backtracks on 30-day price guarantee policy! posted at One Family’s Blog, saying, “Shares an opinion on online shopping in general and Amazon.com in particular.”

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

Economics

Silicon Valley Blogger presents Failed Financial Bailout Leads To Worst Point Drop In Stock Market History posted at The Digerati Life, saying, “Maybe a week late, but still may be worth publishing … Thanks so much!”

Wenchypoo presents Now For the Aftermath… posted at Wisdom From Wenchypoo’s Mental Wastebasket.

ChristianPF presents The Recession cycles posted at Money in the Bible | Christian Personal Finance Blog.

Michael Cintolo presents Our Broken Health Care System posted at The Iconoclast Investor

Financial Planning

Livingalmostlarge presents Sharing money or not? posted at LivingAlmostLarge, saying, “Should you share money?”

To Be Debt Free presents Clean Up Your Credit Problems | On a Quest To Be Debt Free… posted at On a Quest To Be Debt Free…, saying, “If your credit rating isn’t where you want it or you’ve been refused credit, take action today to get your finances back on track!”

David B Bohl presents 6 Ways to Benefit Financially in a Bad Economy posted at Slow Down Fast Today!, saying, “With the economy in a slump and questions of whether or not we are in a recession, many Americans are worried about their personal financial situations. The good news is that you don’t just have to sit there and take it under the chin allowing the economy to control you. There are steps that you can take and things that you can do to benefit from a bad economy.”

Master Your Card presents Bank Collapse Survival Guide posted at Master Your Card, saying, “I’ve been getting a lot of questions from people at work about what they should do if their bank collapses. I also had a friend that called me and was freaking out because he banks with Wachovia. We thought a survival guide of sorts might be a good idea.”

Mr. ToughMoneyLove presents Looking for a Financial Planner or Advisor? Start Here. posted at Tough Money Love » Hard Truth and Tough Love for Money Problems and Personal Finance, saying, “To select a financial planner, start with fee-only and check their backgrounds online.”

Christopher Xpert presents What Has Personal Finance Done For Me? posted at Affiliate Marketing Xpert.

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

Financing a Home

Greg Shuey presents Do You Have To Get Private Mortgage Insurance posted at Utah Mortgage.

Income

walter wallace presents Are IRA Distributions Taxable? posted at Need IRS Help?.

DianeDean presents Transferee Liability To Private Organizations posted at Need IRS Help?.

Investing

Shaun Connell presents Why You Shouldn’t Even TOUCH Your Stocks posted at Personal Development, saying, “Have any stocks? Keep’em! Selling now means a guaranteed loss. Patience is a virtue.”

Dorian Wales presents My Recent Experie