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Personal Financial Advice from Blogs this Week – January 2 2009

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Personal Finance Blog Articles of the Week

Carnival of Financial Planning – January 3 2009 Edition

Welcome to the January 3, 2009 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.


The Skilled Investor


Save Money presents Dave Ramsey’s Baby Steps: My Take posted at How I Save Money.net.

The Smarter Wallet presents A Look At Costco, Sam’s Club and Other Wholesale Shopping Clubs posted at The Smarter Wallet, saying, “Thank you! Happy New Year!”

Raj Patel presents Holidays on the Cheap posted at DebtGoal.

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

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


Heather presents Best-Performing ETFs for 2008 posted at ETF Trends, saying, “The best ETFs in 2008 tell us a lot about the economy.”

Doug Ragan presents How YOU Can Help Save The Economy posted at I’m A Pundit Too, saying, “Who’s going to save us from our failing economy? Do you really think that Congress can save both big business and you at the same time? It is obvious to everyone that the economy is in big time trouble. But what everyone doesn’t understand is how to put it back together.”

Estate Planning

Richard presents Why Baby Boomers Need a Will posted at Consumer Boomer, saying, “Baby Boomers need to draft a will”

Financial Planning

Tushar Mathur presents 3-6-3 Rule – An unofficial banking rule !! posted at Invest In India, saying, “The banking industry of the 1950s, 1960s, and 1970s is often described as operating according to a 3-6-3 rule .The rule basically explains how bankers would give 3% interest on depositors’ accounts, lend the depositors money at 6% interest and then be playing golf at 3pm.”

Shaun Connell presents Financial Happiness: The Real Goal of Financial Planning posted at Financial Planning, saying, “Financial planning almost always revolves around the same basic theme: get a job that pays well, save as much as you can, invest as much as you can, make as much as you can, hoard as much as you can. But what if financial planning -isn’t- about the money? What if it’s about something else? This is a must-read for anyone who has any sort of financial plan.”

Dana J. presents What Can You Downsize to Save Money? posted at The Family Wallet, saying, “By downsizing the unnecessary expenses in our lives, we can build emergency funds that will insulate our families from the effects of this financial turmoil. But what will we downsize?”

Jeff Rose presents Roth IRA- Time To Convert posted at Jeff Rose, saying, “Is your retirement accounts down? May be time to consider converting to a Roth IRA”

kathryn presents The Hole in the Checkbook posted at Out of Debt Christian, saying, “The budget is made, we write down what we spend and we limit our purchases to necessities only. That usually lasts for the first couple of weeks or even a few months before the checkbook springs a leak.”

Mr Credit Card presents What Happens To My Points? posted at Ask Mr Credit Card.

Dividend Tree presents Market Collision affecting Dividend Investors – Concluding Part posted at Dividend Tree, saying, “The article deals with how three major themes in El-Erians book “when markets collide” may affect dividend-based investing. The article also emphasizes the need to position the portfolio to reap the benefits.”

Brian McKay presents Investing the “Rainy Day Fund” posted at MonitorBankRates.com, saying, “Having cash on hand to get through any ruff period in life is essential to any financial plan. Financial analysts recommend having three to six month’s of living expenses on hand to get through any emergency, like getting laid off, without resorting to credit card debt, paying both cash advance fees and an exorbanant interest rates on credit cards.”

Michael Haltman presents Madoff And His Fuel For The Anti-Semitic Fire posted at The Political and Financial Markets Commentator, saying, “True to form the Madoff scandal has not only cost individuals and charitable organizations billions, but it has brought the specter of anti-semitism that normally bubbles just underneath the surface out into the light of day.”

Shaun Connell presents What is Money? posted at Financial Planning, saying, “What’s the difference between money and currency? Are they the same? Why do we say we “make” money rather than “get” money? All these questions are answered — what is money?”

Financing a Home

Joe Manausa presents REAL ESTATE TRENDS WORTH WATCHING | Tallahassee Real Estate Blog posted at Tallahassee Real Estate Blog, saying, “The MLS is the only source of information that directly ties supply to demand, so I find that it is important to keep an eye on this set of information on a daily basis. The most important information is new listings, new sales, new failures, and new pending homes (homes put under contract), and track these as an “average” or trend over time.”

Financing Health Care

Jeff Rose presents How Much Should Retirees Save For Health Care? posted at Jeff Rose, saying, “Retirees need to consider the rising cost of health care in their retirement planning”


FMF presents How to Conduct an Exit Interview posted at Free Money Finance, saying, “One way to safeguard your career.”


Sam presents ETF Exchange Traded Funds Are a Great Investment Strategy. Buy and Sell Easily. posted at Surfer Sam and Friends, saying, “ETFs Are a Great Investment Strategy How Long Before They Replace Mutual Funds? ETFs give the investor a way to “own” all the stocks in a broad group, like the Dow Jones Industrials or all the stocks in the Standard & Poors 500 Index. Better yet, ETFs are easy to buy and sell because they trade on the stock exchange just like stocks.”

The Investor presents The simplest, most effective investment decision you will ever make posted at Monevator.com, saying, “By passively investing in index tracking funds instead of managed funds or your own stock picks, you’ll capture most of the upside of equities with minimal costs and effort.”

Heather presents 14 ETFs to Keep in Mind for 2009 posted at ETF Trends, saying, “Which ETFs are poised to outperform in 2009?”

FIRE Getters presents TIPS for Inflation and Deflation! posted at FIRE Finance.

Zach Scheidt presents NYSE Euronext (NYX) – Rebound Likely posted at ZachStocks, saying, “NYSE Euronext is setting up to be a strong turnaround stock in 2009. In short, this washed out name looks like an excellent opportunity to hold for the majority of 2009.”

Investing School presents Not All ETFs are Good Investments posted at Investing School, saying, “Be careful out there and know what you are investing in! Never invest just based on the name!”

Dividends4Life presents Double-Digit Dividend Securities In the News posted at Dividends 4 Life, saying, “Dividend investing is similar to growing a mango tree. Things move slowly at first. It appears as if your efforts are in vain, but eventually the process begins to produce fruit (dividends). Just as picking fruit from a the tree does not harm it, living off dividends does not damage the investment.”

ChristianPF presents The Shortest Investment Book Ever – Review posted at Money in the Bible | Christian Personal Finance Blog, saying, “Turns out this little books is great for beginners needing help with their 401ks”

Managing Debt

Tom Tessin presents How People Cut Out Debt posted at FSC Blog, saying, “How people cut out their debt 100%.”

Jonathan Browne presents Top 10 ways to survive in 2009 posted at How to deal with creditors and get out of debt.

Destroy Debt presents What to Do if You Get Laid Off posted at Destroy Debt.

Deposit Accounts presents How to Choose a Money Market Account posted at Deposit Accounts.

Ben presents Best Online Savings Accounts posted at Money Smart Life.

Credit Card Assist presents How to Tell Your Credit Card Company You Can’t Pay posted at Credit Cards Blog | CreditCardAssist.com.

Debt Freedom Fighter presents Tips for Choosing a Debt Counselor posted at Discover Debt Freedom!.

Debt Free Destiny presents Should Mom and Dad Get an Allowance? posted at Debt Free Destiny.

Retirement Planning

Patrick @ Cash Money Life presents 2009 TSP Contribution Limits posted at Military Finance Network, saying, “The TSP is the government equivalent to a civilian 401(k)”

Julie Guarnizo presents New Year’s Resolution? Start a Roth posted at Beef Up Your Piggy.


Investing School presents Adding an Online Savings Account as Part of Your Investment Strategy posted at Investing School, saying, “Even the most aggressive portfolio should have some safe investments!”

The Dough Roller presents Best High Yield Savings Account Offers posted at The Dough Roller, saying, “Sound financial planning starts with an emergency fund, and these high yield online savings accounts are a great place to start saving.”

Silicon Valley Blogger presents Best Coupon Sites For Online Shoppers posted at The Digerati Life, saying, “Thank you! Happy New Year! If you’re an online shopper looking for savings, here is a list of resources for you.”

Raymond presents Review Of E*Trade Bank High Interest Savings and Checking Accounts posted at Money Blue Book.

Mr. Banker presents Transaction Account Guarantee Program posted at Best Interest Rate Banks.


Patrick Bateman presents Tax Loss Carryforwards = Huge Tax Savings Ya’ Jerk! posted at One Million Bucks! (OMB!): My Personal Finance Journey, saying, “The most popular article on my site – a post about how to harvest tax losses.”

Robert D Flach presents 2008 – THE TAX YEAR IN REVIEW posted at THE WANDERING TAX PRO.

KCLau presents Introduction of a new scheduler tax deduction (STD) posted at KCLau’s Money Tips, saying, “About LHDN introducing a new scheduler tax deduction (STD) system”

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


Pragmaticsage presents Financial New Years Resolutions posted at Pragmatic Sage Weekly, saying, “The beginning of the year means new resolutions. If you feel you need to get your financial life in order try these suggested financial resolutions for 2009.”

Raymond presents MonaVie Acai Berry Juice Scam posted at Money Blue Book.

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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