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Financial Planning and Personal Investment Articles 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 #114 – November 6, 2009

Welcome to the November 6, 2009 Edition #114 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, Editor


Four Pillars presents Get Out Of Debt With YNAB – You Need A Budget Financial Software Review posted at Quest For Four Pillars, saying, “Indepth review of You Need a Budget software.”

Susan Savering presents Personal Budgets posted at Family Financial Planners, saying, “When you don’t understand how much you spend and how much you save and invest, you do not have a financial plan. This dramatically increases your family’s long-term financial risk.”


Vahid Chaychi presents EUR/USD Rally – Who Wants Euro to Go Up Against USD? posted at Forex Signals | Forex Market Analysis | Online Currency Trading Education, saying, “The future of EUR/USD for those want make money through currency trading. Should they buy or sell? This is what I have answered.”

Zach Scheidt presents Mortgage Crisis, Part Deux posted at ZachStocks, saying, “Commercial Mortgages continue to clog bank balance sheets and losses do not appear to have been recognized. Watch for weakness in regional banks with heavy exposure to commercial real estate loans.”

Estate Planning

Jeff Rose presents Your Estate Planning Checklist posted at Jeff Rose.

The Financial Blogger presents Estate Planning: 5 Reasons Why You Should Have A Professional Among Your Liquidators posted at The Financial Blogger, saying, “managing an estate is more complicated than simply writing a few checks! Fortunately, for those who can afford it, you can name a professional among your liquidators.”

Bucksome presents The Importance of a Living Will posted at Buck$ome Boomer’s Journey to Retirement, saying, “A personal story about a parent without a living will.”

Financial Planning

Jeff Rose presents Can You Reverse/Undo a Roth IRA Conversion? posted at Jeff Rose.

April presents Are Pre-Nuptial Agreements For Everyone? posted at Get Rich Slowly, saying, “This post stirs up a passionate debate on whether or not you should get a prenuptial agreement before marriage. Join in on the discussion!”

MoneyNing presents Help Your Children Visualize Money Mangement with the Four Jars Approach posted at Money Ning, saying, “I was taught the four jars approach when I was young to learn personal finance. How about you?”

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.

Dollar Fanatic presents Why Do I Want to be Rich? posted at Dollar Fanatic Personal Finance, saying, “Here’s why I want to be rich…why do you want to be rich?”

Patrick @ Military Money presents How Much Life Insurance Do Military Members Need? posted at Military Finance Network, saying, “Military members may have different life insurance needs than civilians. Here is information regarding how much life insurance military members should buy, and some resources for finding the best life insurance deals.”

Susan Saverton presents Financial Advisor Pasadena California posted at Pasadena Financial Planner, saying, “Appropriately setting your personal asset allocation in line with your personal risk tolerance is a critical decision for every investor. The percentages that are allocated to various asset classes tend to change slowly over time, so it is important to get it right at the outset.”

Financing a Home

Scott presents Finding a great deal on a house posted at How To Make Money For Life.

Roshawn Watson presents Should You Buy A House Outright? posted at Watson Inc, saying, “Suppose you find yourself in the somewhat unique predicament of having the resources to purchase your house outright without a mortgage. Is it then financially-wise to make the purchase?”

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

Financing Education

Nesher presents Tax Deductions for Student Loans and Other Educational Expenses posted at Online MBA Study.

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

Joe E presents Student Loan Repayment Strategy That Works posted at Consolidating Student Loans Online, saying, “Paying back student loans can be tough in a down economy, but here’s one easy strategy that will help you save thousands of dollars in interest over the life of your loans.”

Health Care

KCLau presents Withdraw EPF Fund to Pay Insurance Premium? posted at KCLau’s Money Tips, saying, “Vincent Lee generously shares an idea to use your EPF”


FMF presents Examples of Making Money from Your Hobbies posted at Free Money Finance, saying, “Ideas for turning hobbies into an income.”

Baker presents Be Your Own Part-Time Boss: The Pros & Cons posted at Man Vs. Debt, saying, “Lots of places talk about the Pros of working for yourself, but this guest post also outlines many of the Cons of a part-time business. Even so, a lot can be learned from testing the self-employed waters with a small business of your own!”

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.”


Patrick @ Cash Money Life presents Best Discount Brokerage Firms posted at Cash Money Life, saying, “A list of the top online discount brokerage firms, including a short review of each to give information about what gives each brokerage an advantage over the others.”

ABC presents Stock Purchase – Bid/Ask Prices posted at ABCs of Investing, saying, “Bid and Ask prices – Information if you are buying or selling a stock.”

Praveen presents India Fund (IFN) Trade Example posted at My Simple Trading System, saying, “An example of how having a trading system gives you an edge, and let’s you take advantage of market moves outside of your control.”

Super Saver presents Dow 10,000 3.0 – What’s Next? posted at My Wealth Builder, saying, “After the Dow crossed 10,000 in October, 2009, the big question is where next . . . up, down or sideways?”

Investing Toolkit presents Why Trade In The Forex Market? posted at Investing Toolkit, saying, “Some thoughts on why forex trading may actually work well for some people.”

Tomas Escent presents Professional Investment Management posted at Nerds on Wall Street, saying, “Think of this book as sort of a Hitchhiker’s Guide to Wired Markets. There are no robots parking cars for six million years, but there are robots trading millions of shares in six milliseconds, so maybe that’s close enough.”

Tom @ Canadian Finance Blog presents A Look At Ponzi Schemes In Canada posted at The Canadian Finance Blog, saying, “With the current condition of the economy, there have been a couple ponzi schemes that have unraveled, leaving investors wondering what happened to their money. Two high profile investment frauds in Canada had been orchestrated by Earl Jones and recently Gary Sorenson.”

ABC presents “Bottoms Up” Investment Method posted at ABCs of Investing, saying, “A short description of “bottom’s up” investing style.”

The Smarter Wallet presents MarketClub Stock Trading System For Active Investors and Traders posted at The Smarter Wallet, saying, “Looking into a stock trading system.”

The Skilled Investor presents Investing Strategy posted at Personal Investment Manager, saying, “Investors more easily understand investment costs that are directly measurable, such as fees deducted on investment statements. However, many investors ignore or are unaware of the opportunity costs of their sub-optimal investment behaviors. Opportunity costs are usually much more difficult to measure directly, but these investment costs can be even higher than more visible investment fees.”

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.”

Curt presents The Market is Going to Crash, Get Out While You Can posted at PennyJobs.com.

Zach Scheidt presents LogMeIn Logs a Strong Third Quarter posted at ZachStocks, saying, “LogMeIn, Inc. (LOGM) reported earnings this week. Investors were disappointed with the outlook, but the lower stock price may represent an opportunity to buy this quality growth company at a discount.”

20smoney presents Build A Portfolio Around Berkshire Hathaway Class-B Shares (BRK-B) posted at 20s Money, saying, “A look at how the recent split for Berkshire Hathaway B shares (BRK-B) can help you design a simple portfolio.”

The Financial Blogger presents The Financial Blogger » Blog Archive » Canadian ETFs That Pays Dividends – Am I in Heaven? posted at The Financial Blogger, saying, “There are a lot of people that love dividends. There are 2 major reasons why so many investors love them. #1 they are usually issued by very stable companies which mean less volatility in a stock portfolio. #2 they pay quarterly income, which is great for revenue seekers.”

Larry Russell presents NoLoad Mutual Funds posted at Best No Load Mutual 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.”

Dividends4Life presents 10 Stocks Taking Their Dividends Up A Notch posted at Dividends Value, saying, “There have always been great companies that stand head-and-shoulders above their peers and the competition. Just as all great companies have have something in common, great dividend companies also have something in common.”

Mike Piper presents 11 Tips for Selecting Mutual Funds posted at The Oblivious Investor, saying, “Given that most of us have a large portion of our assets invested via mutual funds, it’s essential that we learn how to choose between funds.”

Frank Vertin presents Low Cost Index Fund posted at Best Index Fund, saying, “Buying an S&P 500 index fund through an investment counselor can substantially increase your initial purchasing costs and and drive up your annual management expense fees. Unfortunately, the vast majority of individual investors buy mutual funds and ETFs through brokers and investment advisers. Rarely do financial advisors recommend that you buy index funds with low fees. This is because low cost, no load mutual funds do not pay them as well as loaded, high fee mutual funds.”

ABC presents More Exciting Facts About Stock Indexes posted at ABCs of Investing, saying, “Some interesting facts about stock indexes.”

jim presents Series I Bonds Inflation Rate Update (Nov 2009) posted at Blueprint for Financial Prosperity, saying, “A discussion on Series I Bonds, how the rate is calculated and whether you might want to buy some now.”

Managing Debt

Silicon Valley Blogger presents 0% Interest Credit Cards, 12 Months Balance Transfer posted at The Digerati Life, saying, “12 months balance transfer cards still exist. The key is to use them wisely.”

The Smarter Wallet presents How To Get A Credit Card That’s Right For You posted at The Smarter Wallet, saying, “How to shop for the right credit card.”

CreditCardAssist presents Card Issuers Find Loopholes Before New Law Takes Effect posted at Credit Card Assist, saying, “Card issuers are finding new loopholes to stick their best paying customers by raising interest rates and hiking fees to deal with the threat of the new legislation that will sharply curtail their profitability in the future.”

FMF presents Make Sure Your Credit Card Has Smart Features posted at Free Money Finance, saying, “Use the right credit card and make it work FOR you — not against you.”

Tyrone Solee presents Good Debt vs. Bad Debt posted at Millionaire Acts, saying, “Debt is not always a liability. Learn how to differentiate good debt vs. bad debt to turn debt from a liability into an asset.”

MoneyNing presents Credit vs Debit Transactions with Your ATM Card posted at Money Ning, saying, “Are there any difference with saying credit or debit when you hand over an ATM card?”

The Smarter Wallet presents How 0% Balance Transfer Credit Cards Can Save You Money posted at The Smarter Wallet, saying, “You can save money with the right kind of credit cards!”


FMF presents The Difference Between the Wealthy and Everyone Else posted at Free Money Finance, saying, “The characteristics that make wealthy people wealthy.”

Peak Personal Finance presents Lending Money to Friends and Family posted at Peak Personal Finance, saying, “Lending money to friends and family can be a tough proposition.”

Credit Shout presents Buyer’s Remorse and Credit Cards posted at CreditShout, saying, “We’ve all gotten carried away spending at one time or another in our lives. Here are a few ways to prevent overspending next time you’re at the mall or your favorite store.”

No Load Bond Funds presents Low Cost Bond Funds posted at Bond Index Fund, saying, “Simply put, if you pay higher bond mutual fund fees, then these bond management expenses tend just to be a deadweight loss to you. The best bond fund buying strategy is to pick only very low-cost no load bond funds.”

FMF presents The Basics Will Make You Rich posted at Free Money Finance, saying, “If you follow a few, simple steps, you will become wealthy.”

nissim ziv presents Financial Analyst Career: Job Interview Questions for Financial Analyst posted at Job Interview Guide, saying, “Financial analysts also called investment analysts, business analysts or business advisors usually analyzes financial data to provide business analysis suggestions to cooperate. Financial analysts often examine statistical software outputs to analyze the facts for preparing assessment reports based on to the data gathered.”

Peak Personal Finance presents 6 Types of Financial Apps for Your Smart Phone posted at Peak Personal Finance, saying, “Cool financial apps for your smartphone!”

Susan Savering presents Personal Financial Strategy posted at Family Financial Planner, saying, “When pursuing optimal financial planning and investing strategies and controlling your costs and capital gains taxes, you also need to establish a time-efficient system to monitor, adjust, and adhere to your financial plan.”

Tyler Tervooren presents What?s Your Environmental Net Worth? posted at Frugally Green, saying, “If you want to quickly take the pulse of your finances, you check your net worth. So what do you check when you want to take the pulse of your environmental pursuits? Tracking your carbon footprint is the closest thing we have, but it comes with some unique challenges and there are still kinks to be worked out of the equation. Where do you stand?”

Retirement Planning

Jeff Rose presents What you need to know about your Medicare and Medicaid Benefits posted at Jeff Rose, saying, “Many seniors have misconceptions on the differences between Medicare and Medicaid eligibility benefits. Throw in long term care insurance, and the water gets even more muddier.”

Patrick @ Cash Money Life presents 2010 Roth IRA Contribution Limits posted at Cash Money Life, saying, “The IRS recently released the 2010 Traditional and Roth IRA contribution limits. Now is a great time to get started on your retirement and tax planning for next year!”

Nesher presents Retirement Planning: Tax Implications and Tax Strategies posted at Planning your Retirement Smart Way.

Dan Meyer presents You’ve Earned Your Break–Now Make Sure that You Can Afford It posted at Tick Marks, saying, “Salient words from the Illinois CPA Society about preparing for retirement. Article summarized from WebCPA.”

Top Stock Index Mutual Funds presents Stock Index Funds posted at Top 10 Index Fund, saying, “To build your retirement portfolio, buy some of these top 10 very low cost no load S&P 500 index mutual funds directly. You do not have to pay the heavy added expenses of buying through a stock broker, financial adviser, investment adviser, or investment counselor.”

Risk Management and Insurance

Patrick @ Military Money presents COBRA Benefits 2009 Economic Stimulus Recovery Act posted at Military Finance Network, saying, “The 2009 Economic Stimulus Plan includes additional COBRA and unemployment benefits.”


retirehappy presents $250 Social Security Bonus Payment posted at My Retirement Blog.

David Carlson presents Attitudes Towards Savings posted at Dual Income No Kids, saying, “This article is about American’s view towards saving and how we as a nation are saving less than the past. This is done through comparing past attitudes towards saving to today’s attitudes towards saving. It also talks about how saving can be more than just an emergency fund and can serve other purposes.”

Four Pillars presents $8,000 Credit For First-Time Homebuyers Extended 6 Months – Not Increased To $15k posted at Quest For Four Pillars, saying, “Home buyers credit extended 6 months.”

KCLau presents Caring for the Elderly posted at KCLau’s Money Tips, saying, “Problems faced by the elderly”


Super Saver presents End of Year Tax Planning – Deductions posted at My Wealth Builder, saying, “For me, October is a good time to review my 2009 financial status for tax return filing purposes. It gives me a few months to make any changes that can lower my taxes.”

Jeff Rose presents 2010 Traditional IRA to Roth IRA Conversion Tax Rules posted at Jeff Rose, saying, “Tax implications of converting from a Traditional IRA to a Roth IRA. Don’t forget the after-tax contributions.”

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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