Personal Financial Planning and Personal Investment Articles this Week from Personal Finance Blogs
Carnival of Financial Planning - April 4, 2009 Edition
Welcome to the April 4, 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.
Enjoy!
The Skilled Investor
Budgeting
Livingalmostlarge presents Categorizing a Budget posted at LivingAlmostLarge.
Nora Dunn presents Can You Afford to Have a Baby? posted at Wise Bread, saying, “Don’t “kid” yourself - having children is expensive and can financially cripple those who aren’t prepared for the expenses - obvious and otherwise. This article outlines the expenses to budget for, from taking time off work, to making sure your own retirement savings don’t suffer, to insurance, higher education, and even dealing with pregnancy-related illness. Financial planning points for each category are well-defined and explained.”
Insurance Toolbox presents Personal Finance Tips from the Bible posted at Fine-Tuned Finances.
SpiKe presents How To Control Lifestyle Inflation And Survive The Recession - Practical advice on personal development, productivity and GTD posted at Organize IT
Wedding Budget Planner and Calculator Spread Sheet posted at Home Life Weekly, saying, “Are you planning a wedding on a budget? Then this printable wedding budget spread sheet will help you keep a close eye on the costs of your wedding. This wedding budget spreadsheet will help you calculate the costs involved. It is itemized to make sure you don’t forget anything”.
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.
Economics
Gavin R. Putland presents Employment tax credits: the ‘marginal’ approach to full employment posted at On Line Opinion, saying, “If you want to restore asset values, you have to restore the source of income on which those values depend: employment!”
Ishan B presents Does it really makes sense to buy a Hybrid Car? posted at Save Few Bucks, saying, “This article has an interesting analysis to drive home the point that Hybrids do not provide bang for the buck (economically)”
Financial Planning
Ben Dinsmore presents My Simple Excel Based Check Book Registry Spreadsheet posted at Trees Full of Money, saying, “If you just want a basic spreadsheet to keep track of your checking, savings, and credit card accounts (like I did), you might be interested in the simple checking account registry spreadsheet I created with Mircosoft Excel.”
Abigail Perry presents Are we too optimistic? posted at i pick up pennies, saying, “A study has proven people’s inherent financial optimism. But when we rely on the future being better, our plans become out of whack with reality.”
dave presents 10 Easy Ways To Organize Your Business Finances posted at fanfrickntastic.
Tiffany Colter presents Attitude posted at Hidden Leaks, saying, “What is your attitude towards money? Get tips to make positive changes and improve your financial future.”
Financing a Home
Brian McKay presents Housing Rebound posted at MonitorBankRates.com, saying, “The recent positive news on new and existing home sales in February points to a housing market that might have seen the worst days behind it.”
Credit Card Addict presents Reduced Credit Card Limits Hurting Credit Scores posted at CreditAddict, saying, “Keep an eye on that credit score. Recent changes by issuers may make it harder to qualify for a mortgage to buy your dream home.”
Financing Education
Jeff Rose presents 10 Questions About College Savings Plans posted at Jeff Rose.
Finance Tips 101 presents Tips On How To Apply For A Scholarship posted at Finance Tips 101.
Income
Homemaker Barbi (Danelle Ice) presents 5 Surefire Ways to Recession Proof Your Job posted at Homemaker Barbi, saying, “5 Surefire Ways to Recession Proof Your Job: Guest poster and accountant Shellie shares several simple steps that can help you avoid being laid off.”
Investing
etrades presents Why Buy Silver Bullion? posted at eTrades, saying, “Buying Silver Bullion is becoming hugely popular. At present, silver is relatively cheap if you compare it to the cost of gold. With it’s lower price, the vast majority of people can afford to buy greater quantities of it. If you compare it to gold, your average person may be able to afford 1 ounce whereas the same person purchasing silver could buy many more times that amount.”
The Smarter Wallet presents Trading The Market: What Market Trends Are Stock Traders Riding On Recently? posted at The Smarter Wallet, saying, “Thanks!”
Sun presents A Few Options to Invest in Gold posted at The Sun’s Financial Diary.
nickel presents The Worst 401(k) Plans posted at fivecentnickel.com.
Dividend Tree presents Portfolio Management Process - Goldratt’s Way posted at Dividend Tree, saying, “A portfolio management process that follows widely used (and quite successfully) manufacturing management practice.”
Dave presents The Shop Market Versus The Stock Market - Vox posted at Cheapo Groovo.
ifvat presents The Beginner’s Guide to Stock Market Investing Risk Tolerance posted at ifvat, saying, “Knowing your risk tolerance will help you establish an investment style and help you feel confident when you and your broker make investment decisions. Even though there are multiple investment types, there are really only three specific investment styles - and those styles are directly related to your personal risk tolerance. Those styles are commonly known as moderate, conservative and aggressive.”
etrades presents Basic Guidelines On Investing In Penny Stock That Matters posted at eTrades, saying, “Penny stock tips - Learn, learn, and learn. Your assumption must also include the risk of investment loss whether in part or in whole. Research and analyze the trends. Know the best stocks available. Knowing all these things may still not be enough. The stock market is a very fast paced business environment. You must be extremely alert if possible if you decide on investing in penny stock trading. Discover how successful people go about penny stock investing. Study more basic guidelines on investing in penny stocks!”
Dana presents What is Technical Analysis, and Why You (May) Need to Know It posted at Investoralist, saying, “Technical analysis can be added to your arsenal of investment tools to mitigate the blind spots of fundamental analysis.”
Investing School presents Beginning with Options Trading posted at Investing School, saying, “Options can be an amazingly easy way to protect yourself and reduce risk. However, it can also be very dangerous if misused.”
Dividends4Life presents Champion Dividend Stocks posted at Dividends Value, saying, “Some dividend stocks can be classified as champions. A bad economy, tight credit markets and a dark cloud of uncertainty are enough send some dividend companies running for the exit. However, these are the times that champions stand firm.”
Astrid Lee presents Time Management: Tools, Tips & Techniques posted at World Healing, saying, “This article is about your most important investment: TIME! Being organized creates harmony in body/mind and leads to success. All being busy in the year of the Ox, here is a supremely useful time management tool to help you focus & succeed!”
Nesher presents Long-term Profits on Bear Stock Market posted at Internet Stock Trading for Beginners.
etrades presents Option Trading Gives You Better Returns posted at eTrades, saying, “In option trading you pay a premium to give you the right to buy or sell some shares in the future. You can then buy or sell those shares within the time specified at the price decided. You are obliged to make the purchase or sale within the specified time or risk the forfeiture of the premium paid.”
Aussie Investor presents Asset Allocation - Investing By The Numbers posted at Australian Investing, saying, “What is Asset Allocation and how could it make you a better investor? The purpose of this post is to look at an investment strategy which may be useful for longer term investors. It provides a framework within which to make your investment decisions. And once you have your asset allocation strategy in place, it can help you to remove some of the emotion of buying and selling which takes place in your portfolio.”
ifvat presents How To Pick Stocks And Mutual Funds posted at ifvat, saying, “Anytime you buy stocks what you want to consider first is whether the underlying value is worth the price. Ignoring this one important piece, may very well cause your portfolio to spiral downward.”
Larry Russell presents 7 Ways to Pick the Best Noload Mutual Funds and ETFs posted at Best No Load Funds, saying, “Taken as a whole, the vast body of investment research studies show that there really are better approaches to buying and owning mutual funds and ETFs. You do not need to frantically chase fund performance. Performance chasing simply does not work.”
Managing Debt
Joe Mueller presents Are Debt Consolidation Loans Good For The Long Term? posted at Debt Consolidation For Beginners, saying, “The answer to whether or not consolidating your debt into one loan is a good idea depends entirely on your own set of unique circumstances. That is why getting educated on how loans work is so important when considering this option.”
Mike presents This Great Depression Will Be Known As The Great Stagflation posted at Great Depression Version 2: Bear Market and Economic Depression, saying, “The current economic crisis is just beginning. It will wind up being known as the Great Stagflation.”
The Dough Roller presents Debt Cures by Kevin Trudeau–Do his “secrets” really work? posted at The Dough Roller, saying, “So does the book live up to his sales pitch? No, and it’s not even close.”
cody butler presents What Is A Traditional IRA posted at Investment-For-Beginners Blog, saying, “What is a traditional IRA and who is it for?”
PFCreditCards presents Credit Cards are Evil Just as Knives are Sharp posted at PF Credit Cards, saying, “If you are going to complain that credit cards are sharp, you might as well complain that knives are sharp as well”
Tom Tessin presents The Best Debt Management Software posted at FSC Blog, saying, “Do you want to manage debt yourself but don’t really know where to start? Find out what software packages I recommend.”
Miscellaneous
Mark Foo presents How To Keep Track Of Your Money posted at The Big Dreamer, saying, “A very practical way to keep track of the inflow and outflow of your money.”
Alvaro Fernandez presents Change Your Environment, Change Yourself posted at SharpBrains: Your Window into the Brain Fitness Revolution, saying, “Trading expert Brett Steenbarger’s Lesson #4: “When you act as your own trading coach, your challenge is to stay fully conscious, alert to risk and opportunity. One of your greatest threats will be the autopilot mode in which you act without thinking, without full awareness of your situation. If you shift your trading environment, you push yourself to adapt to new situations: you break routines.”"
Heidi presents Calling 911 For McNuggets? How far is too far? posted at Little People Wealth, saying, “If somebody steals $5 from you would you call 911? What about $100 or $1000. How far is too far? This woman called 911 because $5 was stolen from her and she was arrested for misuse.”
Retirement Planning
Super Saver presents A Roth Conversion Strategy For a Declining Market posted at My Wealth Builder, saying, “This strategy is a great way to avoid paying taxes on converted funds which have declined and still keeping a Roth conversion for the tax year.”
Risk Management and Insurance
FMF presents How to Weather an Inflationary Storm posted at Free Money Finance, saying, “What to do when inflation rages.”
John Russell presents 14 Auto Insurance Secrets - They Don posted at The Low Cost Auto Insurance Guru, saying, “If your car is totaled after an accident, do you know how your insurance company determines your car’s present value? The answer car may surprise you. ”
Savings
Money Tipper presents Monitor Bank Safety Online posted at Money Tipper, saying, “Did you know that you can monitor your bank’s safety from the comfort of your own keyboard? Well, you can. And you should.”
jim presents » Top 5 Online Banks: Savings or Checking Accounts on Blueprint for Financial Prosperity posted at Blueprint for Financial Prosperity.
Taxes
Nate Desmond presents Giveaway: Free TurboTax Online Premier Tax E-Filing posted at Debt-free Scholar.
Barb A. Ryan presents Asset Allocation, Investment Asset Tax Location, and Emergency Cash Management posted at Pasadena Financial Planner.
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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