Carnival of Financial Planning - November 29 2008 Edition
Personal Finance Blog Financial Articles
Welcome to the November 29, 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
martin d presents The Sale Trap posted at studenomics.com.
Beth Dargis presents A Less Expensive, More Meaningful Christmas » My Simpler Life - Simple Living posted at My Simpler Life - Simple Living
Pasadena Financial Planner presents Living Expense Tracking Methods posted at Pasadena Financial Planner.
Economics
Dan Green presents What Deflation Does To Mortgage Rates posted at The Mortgage Reports, saying, “Sometimes, a picture is worth a 1,000 hours of analysis on CNBC.”
Estate Planning
KCLau presents If either one of the joint-account holder dies, who gets the money? posted at KCLau’s Money Tips, saying, “Let’s say you have a joint account with your spouse in a local bank. Due to an unforeseen accident, your spouse passed away (touch wood). Are you entitled to withdraw all the money in the account, say RM100k? The answer is not simply a “yes” or “no”. It actually depends on the bank’s rules and regulations. What I learn is that there are three possibilities.”
Financial Planning
Shaun Connell presents How to Invest in Stocks posted at Financial Planning, saying, “Free tutorial! Want to invest in stocks? Learn what you need to know in five steps, and you’ll be investing in no time.”
Curt presents Staying Positive, Yet Realistic posted at PennyJobs.com.
GreenBridge Advisors presents Forget New Years, Start Making Your Financial Resolutions Today posted at Let’s Blog Money, saying, “The end of the year is almost upon us, and many people plan for everything from vacations to reunions, holiday parties and gift exchanges, and of course their new year’s resolutions. Personal finances generally take a back seat or just a quick thought when making resolutions. Perhaps it is time for people to start making their financial resolutions more frequently to better get their financial house in order.”
Wally Bock presents Planning for emergencies posted at Momentor.
Martin Russell presents A Cautionary Story Of A Financial Adviser posted at Word of Mouth Marketing, saying, “What would you think of a financial adviser or stockbroker who had told you to get out of the stockmarket and into cash back in June/July of this year?”
Tushar Mathur presents Count the number of US banks collapsed this year posted at Invest In India, saying, “With slumping home prices and the worsening economic crisis taking an increasing toll on financial institutions, as many as 22 American banks have collapsed so far this year.”
Larry Russell presents Financial Planning Reading List posted at Pasadena Financial Planner.
Financing a Home
Joe Manausa presents Great News For First Time Homebuyers In Florida Real Estate posted at Tallahassee Real Estate Blog, saying, “It is interesting to note that in these times of financial hardship for everyone that there seems to be an abundance of financial assistance programs out there for eligible homebuyers purchasing new or existing homes in Florida.”
Income
Kelsey presents Do You Have Multiple Streams of Internet Income? posted at Cash To Spend - Online Paid Surveys, saying, “Building multiple streams of internet income is good but spend the extra money wisely. More money can be extremely helpful but can also add more financial stress if not spent on the right things first.”
The Shark Investor presents How To Earn More Around The Holidays posted at The Shark Investor, saying, “Here are some ways to earn when everyone is trying to make you spend”
Investing
nickel presents The End of the 401(k) Match? posted at fivecentnickel.com.
Ripe Trade presents Best asset allocation posted at Ripe Trade, saying, “When constructing a portfolio for a balance of maximum reward and minimum risk its best to find the asset classes that have a low correlation to each other. Historically, since 1972 an optimal asset allocation mix for high returns and low risk would have averaged 14.82% in returns annually with a low 10.89% standard deviation.”
Qovax presents Read Financial Footnotes, Invest Safely posted at Value Investing and Entrepreneurship by Qovax, a Software Startup, saying, “Financial footnotes are like the fine print on an aspirin label. You need to read the fine print to realize that aspirin side effects include gastrointestinal bleeding. Financials footnotes are to companies as fine print are to drugs.”
Sun presents Transfer A Brokerage Account: How Much Does It Cost? posted at The Sun’s Financial Diary.
Jesse Wojdylo presents We Haven’t Seen the Bottom in the Stock Markets Yet? posted at Subprime Blogger.
JCL presents Your Real Estate Investing Team posted at The Real Estate Investing Journey, saying, “How to boost your chances for success in real estate investing by surrounding yourself with talented people. Investing in RE as a hobby is dangerous and can get yourself in major hot water. With a team of professionals your risks can greatly be mitigated. Burnout by trying to do too much yourself is also a risk, delegating tasks can protect your attitude and outlook on real estate, giving you room to get the ball rolling and succeed.”
Joanne presents Before Starting In The Stock Market posted at Buying Penny Stocks, saying, “What kind of trader are you? That depends on what level of your trading skills are you at. You need to be able to know who you are before you make a trade that might cost you everything”
Investing School presents 401(k) Retirement Plans posted at Investing School, saying, “Everything about 401(k) retirement plans! Benefits, details and more!”
The Fund investor presents Bear Market Mutual Funds posted at Mutual Fund Investing Tips, saying, “The one type of mutual fund investor that has made money in 2008 are those that have been investing in inverse mutual funds”
Lance Cooper presents Prepackaged Bankruptcy May Be Best For GM posted at Recession Money Matters, saying, “Given the options before Congress, reforming GM through a prepackaged bankruptcy seems to be the best option long-term.”
ABC presents Interest posted at ABCs of Investing, saying, “A brief description of interest payments.”
Lawrence T. presents Margin Loan | Types Of Loan - Types Of Loans posted at Types of Loans, saying, “A margin loan may be a good way of paying off credit card or as a source for other financing needs. Margin loans need to be used carefully though, since you want to avoid a margin call.”
Managing Deb
ChristianPF presents 29 tips on getting out of debt from you! posted at Money in the Bible | Christian Personal Finance Blog.
The Financial Blogger presents Dealing with Collection Agencies posted at TheCreditToolBox.com, saying, “Dealing with collection agencies is never a fun task, but it is unfortunately a necessary one, especially if you have made a mistake and have made a late payment or ignored payments.”
Joshua Dorkin presents When The Bill Collector Calls posted at Real Estate Investing For Real.
Cory Albertson presents Erase Debt and Live With Less Stress posted at Debt Relief, saying, “It’s sad but true; people with more debt have more stress in their lives and people with more stress in their lives have shorter life spans. Erase debt to elongate your life!”
Debt Free Destiny presents Is Your Cash Flowing on a Daily Basis? posted at Debt Free Destiny.
DebbieDragon presents Drowning in Debt? Here’s How to Rescue Your Finances posted at Discover Debt Freedom!.
Jim presents 0% Credit Cards: No Interest Purchases & Balance Transfers Offers posted at Blueprint for Financial Prosperity.
Retirement Planning
Dollar Frugal presents Are 401ks Being Taken Away? posted at Dollar Frugal.
Risk Management and Insurance
Wilfrid presents Got FDIC-Insured Money In the Bank? Take It To The Max! posted at Money Galaxy - Make Money | Save Money | Invest Money, saying, “Use these simple strategies to get 100% coverage of your money, even if it’s tens of millions of dollars :)”
DebbieDragon presents Is Your Small Business Properly Insured? posted at American Entrepreneurship.
Ybother presents Term Insurance vs Whole Life Insurance Strategy posted at www.ZhouWenhan.com, saying, “The debate of buying term and whole life has been raging for a long time. In this blog post, I propose a middle ground by using each product when they are are their strongest.”
Insurance Toolbox presents How to Save on Your Car Insurance Policy posted at Insurance Toolbox.
Savings
Silicon Valley Blogger presents Keep Your Money Safe: Online Bank Accounts and More Savings Options posted at The Digerati Life, saying, “Thank you!”
FMF presents A Salesman Tells How to Negotiate for the Best Price on Electronics posted at Free Money Finance, saying, “Saving money on electronics.”
Online Dividends presents 10 year CD Rates posted at Blogging Banks.
DebbieDragon presents Need to Save? Get Set to Automate posted at American Consumer News.
Taxes
Joshua Dorkin presents A Tax Free Retirement posted at Real Estate Investing For Real, saying, “The article explores tips for planning a tax free retirement.”
Barb A. Ryan presents Asset Allocation, Investment Asset Tax Location, and Emergency Cash Management posted at Pasadena Financial Planner.
Miscellaneous
The Smarter Wallet presents Best Gift Ideas for the Holiday Season posted at The Smarter Wallet, saying, “Some gift ideas for this holiday season to help you with your shopping run.”
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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