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Personal Financial Planning this Week


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

Carnival of Financial Planning – Edition #131 – March 5, 2010

Welcome to the March 5, 2010 Edition #131 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, Editor

Budgeting

Tom @ Canadian Finance Blog presents Budgeting Tools Online And Beyond posted at The Canadian Finance Blog, saying, “One of the biggest obstacles to making and keeping a budget is not knowing where to begin. Thankfully, the Internet age has brought with it some wonderful tools designed to help you keep an eye on your spending.”

Super Saver presents Living on a Cash Basis was a Good Experience posted at My Wealth Builder, saying, “Living on a cash basis quickly taught me financial responsibility.”

Control your Cash presents Let’s see how he does with Other People’s Money posted at Control Your Cash, saying, “The word “frugal” makes people think of austerity, of abstention – of self-inflicted pain. That’s not what this is about. This is about spending money – a finite resource for most of us – in the right places.”

The Skilled Investor presents Save More Money posted at Financial Decision Rules, saying, “How much you earn, spend, budget, and save are by far the most dominant determinants of your long-term financial well-being. Self-control in your financial decision-making regarding budgeting and consumption is far more important than clever investing. Expenditure control and budgeting works, while attempts to be clever about investing usually are counter-productive.”

Joe Plemon presents Budgeting Without Bean Counting…5 Great Tips posted at Personal Finance By The Book, saying, “Making a budget isn’t the problem; keeping it is. This post gives common sense hints on how to keep a budget for the long term.”

Estate Planning

Joshua Dorkin presents Worshiping At the Altar of Cap Rates? You Could Be the Next Sacrifice posted at Real Estate Investing For Real, saying, “Using cap rates to buy properties is like playing hopscotch in a minefield — not recommended This article goes into exactly why that is.”

Joe Plemon presents Should You Leave an Inheritance to Your Children? posted at Personal Finance By The Book, saying, “Leaving an inheritance is a dicey issue. Do you? How much? Now or later? This post doesn’t have all the answers, but will challenge your thinking.”

Financial Planning

Ryan @ Cash Money Life presents Financial Mission Statement posted at Cash Money Life, saying, “How to write a financial mission statement to help you reach your financial goals.”

Craig Ford presents The Infinite Advantages Of Paying Cash For A New Car posted at Money Help For Christians, saying, “Compares the long term costs of paying cash and borrowing money to buy a car.”

RJ Weiss presents The Crossover Point of Financial Independence posted at Genyweath.com, saying, “The purpose of this video was to explain to you the crossover point. A very powerful concept that can change the way you manage your money.”

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.”

Roshawn Watson presents Thoughts on Escaping The Rat Race posted at Watson Inc, saying, “Do you yearn to be free…really free? What would you do if money was not a big limitation? Perhaps the primary reason for increasing your financial literacy is so you may indeed escape the rat race.”

Larry Russell presents Mutual Fund Sales Loads posted at Best Mutual Funds, saying, “With over 60,000 different mutual fund investment share classes sold worldwide, some mutual funds must be better than others, but which ones are they? 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.”

Big Cajun Man presents Personal Finance Resolutions for the New Year? posted at Canadian Personal Finance Blog, saying, “Are Financial New Years resolutions a good idea? Yes, but make them achievable, don’t try to boil the ocean, just take small steps!”

Nigel Savers presents Investor Asset Allocation posted at Lifetime Financial Planning, saying, “Diversification has become an axiom of personal investing, because the specific risks of businesses and other investment entities can be reduced or eliminated from a portfolio without reducing expected returns. When you hear that you should diversify your investments, this means that you should diversify your investments completely and globally – now and always. ”

2 Cents presents Why Is Personal Finance a Hot Topic Now? posted at Balance Junkie, saying, “This article looks at changes in the financial landscape that have caused personal financial issues to receive more attention and offers some ways for individuals to adapt to these changes.”

Financing a Home

Roshawn Watson presents Is Bigger Better? Scaling Down The American Dream posted at Watson Inc, saying, “Today’s post-crash buyers are not willing (nor able in some cases) to extend themselves like before, and the impact on the housing market is substantial.”

studenomist presents How To Sell $2 Million in Real Estate Between Your Classes posted at studenomics.com.

Alex Fotopoulos presents When to Refinance a Mortgage? posted at My Trader’s Journal, saying, “Some key points to consider when refinancing your home.”

Super Saver presents Why We Chose a 30 Year Mortgage posted at My Wealth Builder, saying, “A 30 year mortgage provided more flexibility in payments than a 15 year mortgage, which benefited us during the financial crisis of 08/09.”

Patrick @ Military Money presents VA Loan Eligibility and Financing posted at Military Finance Network, saying, “Find out who is eligible for a VA Loan and how much money you may be able to get in guaranteed financing. This is great information for any military veteran.”

Financing Education

Praveen presents Will Education Follow the Housing Bust? posted at My Simple Trading System, saying, “Tips for students to avoid excessive loans and debt”

FMF presents Deadly Mistakes on the FAFSA Could Cost You Thousands of Dollars in Financial Aid posted at Free Money Finance, saying, “You needs to know the ins and outs of completing the FAFSA to save thousands of dollars on your child’s college costs.”

ABC presents How Do I Set Up a 529 College Savings Plan? posted at ABCs of Investing, saying, “Instructions on how to set up a 529 college education plan.”

Health Care

Patrick @ Military Money presents Open Enrollment Window Open for Some posted at Military Finance Network, saying, “Open enrollment is the only time of the year that many people are able to make changes to their health insurance elections. Make sure you take advantage of this time to select the best health care option for your needs.”

Income

Dividend Tree presents Three Companies with Sustainable Dividends posted at Dividend Tree, saying, “Even in soft economic environment, there are companies out there that are continuing to increase dividends for their shareholders. While dividend increase is good, it is more critical to make sure we understand that companies can sustain their dividends.”

Investing

ABC presents What Are Money Market Mutual Funds posted at ABCs of Investing, saying, “If you are sitting out the markets then make sure your money is still earning some interest.”

Zach Scheidt presents Internet Bandwidth Finally Generates Profit posted at ZachStocks, saying, “Abovenet Inc. (ABVT) offers bandwidth to telecom carriers and corporations. A strong growth rate along with capital discipline and a reasonable valuation make this company an excellent investment opportunity.”

Ryan @ Cash Money Life presents Beginner Investing Strategies posted at Cash Money Life, saying, “Tips for the first time investor to methodically exmine his or her needs to determine investment goals, how to invest, and where to invest.”

ABC presents Technical Analysis Trading posted at ABCs of Investing, saying, “A short explanation of technical analysis stock trading.”

Four Pillars presents Use Your Cell Phone Apps To Manage Your Money posted at Quest For Four Pillars, saying, “Some cell phone apps to help track your finances”

The Financial Blogger presents 2 Minutes Guide to Last Minute RRSP for 2009 posted at The Financial Blogger, saying, “You need to make your RRSP contribution before the deadline: March 1, 2010. So here’s a 2 minute guide to last minute RRSP contributions.”

The Skilled Investor presents Market Timing posted at Personal Investment Management, saying, “You must stay invested in the securities markets to earn market risk premiums. You have to have your money invested and at risk to be paid a risk premium. Attempting to avoid risk or losses by jumping in and out to “time the markets” does not work. Both amateurs and professionals are lousy at market timing.”

Consumer Boomer presents Should You Invest Into a CD or Fixed Annuity posted at Consumer Boomer.

jim presents Roth and Traditional IRA Contribution Limits posted at Blueprint for Financial Prosperity.

Intelligent Speculator presents New leveraged ETF’s to suffer from less erosion? posted at Intelligent Speculator, saying, “volatility can have an important impact on the return of the ETF and as time goes by, the return will not be correlated as much with the underlying index it is intended to track.”

Tushar Mathur presents Can’t Control the Markets? Try controlling the Costs posted at Everything Finance, saying, “As 2008 proved, 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 that many mutual funds posted in 2008 and at the outset of 2009 may have left you feeling concerned over your financial future. You’re not alone.”

Zach Scheidt presents Portfolio Recovery Prices Successful Secondary Offering posted at ZachStocks, saying, “Portfolio Recovery Assoc (PRAA) has traded sharply higher after reporting a strong fourth quarter and issuing new stock to fund future acquisitions. Buying receivables at 3.5 cents on the dollar appears to be paying off.”

jim presents The S&P500 Dividend Aristocrats posted at Blueprint for Financial Prosperity.

James Bourne presents Bond Fund Expenses posted at Best Bond Funds, saying, “Financial researchers not have detected a relationship between paying higher fees and obtaining better returns from the bond mutual fund industry. In fact, the opposite seems to be true. Higher expenses tend to mean lower net returns to individual investors.”

Sun presents How to Open An IRA Account posted at The Sun’s Financial Diary.

Ben Dinsmore presents Personal Finance App for iPhone and iPod Touch posted at Trees Full of Money, saying, “My buddy developed this great investment growth calculator application for the iPhone and iPod Touch.”

Tomas Escent presents Securities Trading Applications posted at Nerds on Wall Street, saying, “A little artificial intelligence goes a long way on Wall Street. If you give someone a program, you will frustrate them for a day; if you teach them how to program, you will frustrate them for a lifetime.”

Frank Vertin presents Top 10 Index Funds posted at No Load Mutual Funds, saying, “Useful information on the top ten no load index funds that track the Standard and Poors 500 composite index in terms of lowest costs.”

Dividends4Life presents 18 Dividend Stocks Raising Their Yield On Cost posted at Dividends Value, saying, “For dividend growth investors, there are certain attributes of investments that are more relevant than others, such as yield and dividend growth. To illustrate the power of dividend growth consider that an investment’s yield-on-cost will double every 5 years if they grow their dividend by 15%/year or 7 years at 10%/year or 14 years at 5%/year.”

Mike Piper presents 7 Easy Ways to Get Filthy Rich Using Mutual Funds posted at The Oblivious Investor, saying, “A list of not-so-surefire roads to investment riches. :)”

Managing Debt

Silicon Valley Blogger presents What Are The Best Credit Card Rewards Programs? posted at The Digerati Life, saying, “Thanks!”

The Smarter Wallet presents Do Debt Consolidation Programs Work? Reviewing Debt Consolidation Care posted at The Smarter Wallet, saying, “Do debt consolidation programs work? Here’s a look at such a program.”

Big Cajun Man presents Do You Have a Financial GPS? posted at Canadian Personal Finance Blog, saying, “Do you need a financial GPS?”

Brad Chaffee presents Debt Free News From A Debt Free Reader #6 posted at Enemy of Debt, saying, “One of the most motivating things to hear when becoming debt free is stories of those that have tried and succeeded. This is my attempt to spread the debt free message by sharing stories of those people, more specifically my readers.”

The Dough Roller presents Balance Transfer Credit Cards posted at The Dough Roller.

Keith Morris presents Tales of Credit Card Disasters posted at LifeTuner, saying, “Buying stuff you can’t afford only leaves you in one place – debt!”

Paul Van Lierop presents What’s a Good Credit Score? Should you Care? posted at FiscalGeek, saying, “What actually makes up a credit score, what is a good score and more importantly whether or not you should care about it.”

Baker presents 8 Effective Ways to Raise Frugal Kids posted at Man Vs. Debt, saying, “Follow these 8 simple, but effective tips to buck the consumerist trend and raise frugal kids!”

Miscellaneous

FMF presents How to Earn $100 an Hour (Or Save $100,000 in Your Lifetime) posted at Free Money Finance, saying, “Who know that something as simple as clipping coupons could save you over $100k?”

MoneyNing presents No One Became Wealthy Worrying for Others posted at Money Ning, saying, “No one knows everyone else’s situation so why try to worry about their finances?”

Pasadena Financial Planner presents Mutual Fund Performance posted at Top Mutual Funds, saying, “Summarizes a research report that compared Vanguard’s passively managed index mutual funds with Vanguard’s actively managed mutual funds. If you invest in any of Vanguard’s investment fund products, you might want to read and understand this study. ”

MoneyNing presents How Do I Teach My Child About Money? posted at Money Ning, saying, “Here’s a few suggestions on how to teach your children about money. How do you do it?”

FIRE Getters presents Smart Refrigeration Lowers Electricity Bill posted at FIRE Finance.

Retirement Planning

Bucksome presents Is a Phased Retirement for You? posted at Buck$omeboomer’s Financial Path to Retirement, saying, “There’s more than one way to retirement and maybe a transition is for you.”

Risk Management and Insurance

Jeff Rose presents How To Get Affordable Health Insurance When You are Self Employed posted at Jeff Rose.

Consumer Boomer presents Do You Have Enough Homeowner’s Insurance Coverage posted at Consumer Boomer.

Savings

PT presents Strike When the Iron is Hot: Advantages of an Automated World posted at Prime Time Money, saying, “It’s easy nowadays to get set up with automated savings for retirement and other things, and then forget about it. But you’ve got to take action when you’re motivated.”

Joe Plemon presents When Does Saving Turn To Hoarding? posted at Personal Finance By The Book, saying, “This post examines both the spiritual and practical aspects of hoarding, with tips on how to save without hoarding.”

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

The Smarter Wallet presents Start Saving Money! How Banks Pay You To Save posted at The Smarter Wallet, saying, “Some banks encourage customers to save by offering some great savings programs.”

Taxes

Jeff Rose presents What Need to Bring to Tax Accountant To File Your Taxes posted at Jeff Rose.

GLBL presents How to Properly Prepare for Filing Your Taxes posted at Gather Little By Little, saying, “The main causes of tax filing errors are rushing and not having all necessary tax documents on hand.”

Praveen presents Free Ebook: Capital Gains Tax Tips for Traders and Investors posted at My Simple Trading System, saying, “Tax Tips for traders and investors”

Four Pillars presents How Long Before I Get My Income Tax Refund? posted at Quest For Four Pillars, saying, “A guideline for how long you have to wait for a tax refund.”

Jeff Rose presents Missed Tax Deadline? File an Extension posted at Jeff Rose.

The Financial Blogger presents What Can I Deduct to Pay Less Tax? File Your Income Tax with QuickTax Review posted at The Financial Blogger, saying, “I’ve recently been contacted by Intuit (the famous producer of Quicken) to review their latest QuickTax 2009 income tax software. So they sent me a QuickTax 2009 standard edition so I can work with it for a while and to file my own income taxes.”

Four Pillars presents How Many Years Should You Keep Tax Paperwork posted at Quest For Four Pillars, saying, “Everyone know you have to keep your tax paperwork around for a while – but how long?”

MDP presents Unemployed Tax Deductions Provide Tax Relief posted at My Dollar Plan.

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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