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

Carnival of Financial Planning – Edition #179 – April 8, 2011

Welcome to the April 8, 2011 Edition #179 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

Budgeting and Economics

Mallory Lynch presents 42 Items You Should Be Buying From the Dollar Store posted at Affordable Online Colleges, saying, “In the past decade, dollar stores have popped up in every neighborhood, large or small. Whether you live in an urban area with an independent dollar store or in the suburbs where dollar store chains roam free, there’s a good chance that you’re missing out on some serious savings if you’re walking buy the store without checking it out.”

The Skilled Investor presents Saving More posted at Personal Financial Strategy, saying, “Budgeting your consumption is far more important than clever investing. Expenditure control and budgeting works, while “clever” investing usually is counter-productive.”

CreditDonkey presents Smart Tactics for Avoiding Airline Fees posted at CreditDonkey.com Tips, saying, “Planning your summer vacation and flying with your family is getting more expensive. Learn smart tactics to avoid airline fees.”

DGB presents Dividend Stocks Vs Corporate Bonds posted at The Dividend Guy Blog, saying, “We analyze both investment opportunities.”

Estate Planning

My Journey presents Family Businesses and Succession Statistics posted at My Journey to Millions, saying, “Family owned businesses are statistically more successful than other business, yet a surprisingly small number of family businesses have a plan for succession. In addition, many family businesses don’t make it to the second generation even though the majority of owners would like them too. It is simply irresponsible if you have a successful business and don’t at least think about using a buy-sell to plan for the future.”

Financial Planning

Mike Ross presents The Lottery: An “Investment” for Fools (with Bonus Lottery Simulator!) posted at Get Rich Slowly, saying, “Playing the lottery as a strategy to gain money is a fool’s game.”

Mike Piper presents When to Claim Social Security Benefits (One Working Spouse) posted at The Oblivious Investor, saying, “For families with one working spouse, what is the best age for each of the spouses to claim Social Security?”

Boomer presents RRSP or Mortgage: What To Do With Your Tax Refund? posted at Boomer & Echo, saying, “The debate that always comes up around this time of year is whether to use your tax refund to top up your RRSP or to pay down your mortgage. Depending on your situation and your risk tolerance you could go either way.”

Janet Russo presents Mutual Fund Performance posted at Best No Load Funds, saying, “The investment research literature does provide some modest evidence that substantially inferior past mutual fund performance is more likely to lead to inferior mutual fund returns in the future. Excessive costs and high management expense ratios are the likely culprits, when explaining sub-par diversified investment fund returns.”

Financing Education

Jessica presents Is College Still A Good Investment? posted at MomVesting, saying, “Obviously there are many variables to this, but at a minimum, my mom’s belief that college is always the best choice is becoming more and more suspect.”

Jessica Bosari presents Saving for College: Start Early and Diversify posted at Billeater, saying, “Tips for teens to maximize college savings.”

Financing a Home

Kyle Berks presents Home Mortgage Interest Deduction: How It Works posted at Integrated Loans, saying, “Home mortgage interest is actually an expense that is tax-deductible. This mortgage interest is reported through the Form 1040, Schedule A.”


Ben Lewis presents Know How To Become A Self Employed Electrician posted at Being Self Employed, saying, “This guide will help you learn what you need to do to become a self employed electrician”

The Financial Blogger presents March Monthly Income Report posted at The Financial Blogger, saying, “I share my results from my record profit month.”


Billy Hart presents inMessment Game posted at inMessment – Life Investments, saying, “The first quarter of 2011 has ended. This is the perfect time to review my inMessment Game results and see how I have done. This will be the very first quarterly review. I will share the Good, the Bad and the Ugly events of Q1. I started the inMessment Game on Investopedia’s Simulator and provide updates on the inMessment blog. The goal is long-term, practical investing education.”

Mike @ Green Panda presents What is Your Financial Life Stage? posted at Green Panda Treehouse, saying, “What stage are you at financially?”

Mike @ DNW presents Objective Investing, or Not posted at Do Not Wait, saying, “Are you an objective investor?”

The Skilled Investor presents Market Timing posted at Personal Investment Management, saying, “Always stay invested to earn risk premiums. You must have your money invested and at risk to get risk premium returns. Jumping out and in or “timing the markets” doesn’t work.”

Freddy presents Riverbed Technology Inc (RVBD) posted at Protege Analytics, saying, “Stocks for today. Check it out.”

N.W. Journey presents Is Luck an Important Part of Good Investing? posted at Networth Journey, saying, “Learn how luck sometimes impacts you investing returns.”

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

Freddy presents Check Our Latest Stock Performance Here posted at Protege Analytics, saying, “According to my trading system, so I’m deciding to give a report about our current stock picks’ performance.”

Hussein Sumar presents Investing in S&P 500 High Yield Dividend Aristocrats Index posted at High dividend stocks, saying, “The S&P High Yield Dividend Aristocrats Index is a method of measuring the 60 highest dividend paying stocks in the S&P Composite 1500 index & only lists those companies that have consistently raised their dividends in the last 25 years, without missing a single year.”

Pasadena Financial Planner presents Vanguard Funds posted at Top Mutual Funds, saying, “Compares Vanguard’s actively managed mutual funds and Vanguard’s passively managed index mutual funds. Vanguard investors should read and understand this study.”

Dividends4Life presents 1 Company Announced A Higher Dividend, 7 To Pay Higher Dividends in April * posted at Dividends Value, saying, “A stock with a high yield doesn’t mean much if the dividend is cut or eliminated, and the stock price declines significantly. Sometimes it is desirable to accept higher risk for a higher yield. Other times we may be accepting higher risk and are not being adequately compensated for the additional risk.”

Managing Credit and Debt

Consumer Boomer presents Do It Yourself Tips for Debt Settlement posted at Consumer Boomer, saying, “Before hiring a debt settlement understand that all consumers have the power and the tools to settle debts on their own.”

Craig Ford presents How to Get Your FICO Credit Score Online (Any Free FICO Score Options?) posted at Money Help For Christians, saying, “Simplify the process of trying to find the best location for getting your FICO score.”

Tim Chen presents The Chase AAA Credit Card is Possibly The Best Gas Rewards Card There Is posted at NerdWallet Blog – Credit Card Watch, saying, “For those of us in California, Utah and Nevada, AAA and Chase offer one of the best gas rewards cards out there: the AAA Rewards Membership Visa.”

Kimberly Cole presents Credit Card Mistakes posted at CardHub.com, saying, “Hey, I hope all is well! I think you’ll enjoy my submission this week because I’ve compiled a list of the most common credit card mistakes. If you understand how to avoid making certain mistakes, you will save money in the long run.”


Consumer Boomer presents 10 Questions to Ask a Financial Adviser Before Hiring Them posted at Consumer Boomer, saying, “In order to determine who is the best financial adviser for you there are several questions you should ask.”

Walter W. Fouse presents Large Cap Funds posted at Best Mutual Fund, saying, “This table of low cost top 10 S&P 500 mutual funds has been organized with the lowest cost index fund first. Nevertheless, each of these S & P 500 index funds is among the least costly on the market.”

Jeri Ford presents Always Get a Screenshot When Signing Up for Promotions posted at Help Me Travel Cheap, saying, “A screenshot today may save you a lot of hassle tomorrow.”

Retirement Planning

Kevin presents Retirement Portfolios for Those Drawing an Income posted at Invest It Wisely, saying, “The usual viewpoint of investment advice is that of someone twenty or thirty years away from retirement who wants to accumulate a capital for retirement. Here I instead focus on somebody who is retired and wants an income. This case is more different than one may believe.”

Consumer Boomer presents How does an Annuity Work? posted at Consumer Boomer, saying, “An annuity is another way to consider saving for retirement. Here is some important information about annuities.”

Jim Wilkerson presents No Load Mutual Funds posted at Best No Load Funds, saying, “Very young stock and bond mutual funds are more likely to put you into the position of being an experimental guinea pig of mutual fund companies and the ETF industry.”

Outlaw presents The Pitfalls of Excess Contributions to Your Retirement Accounts posted at Outlaw Finance, saying, “An explanation of what happens when you over contribute to your retirement accounts.”

Pinyo presents What Happens If You Contribute Too Much To IRA Or 401k? posted at Moolanomy, saying, “Do you know what to do if you contributed to much to your IRA, Roth IRA, or 401k? If not, you have to read this and find out.”


FMF presents Review of Major Tax Software Products Reveals Limits posted at Free Money Finance, saying, “Reviews of several top tax software programs, completed by everday people completing their personal taxes.”

Ken presents 7 Homeownership Related Tax Credit and Deductions posted at Spruce Up Your Finances, saying, “One of the biggest advantage of home ownership versus renting is that there are a lot of financial benefits including numerous tax breaks available to the homeowners that are not available to renters”

Al Peters presents What You Should Know About Capital Gains Tax And Your Property posted at TaxFix Feed Update, saying, “This articles explains about Capital Gains Tax And how to save property tax”

Financial Freedom presents IRA Contributions, posted at Retirement Worksheet , saying, “The Roth tax optimization puzzle for asset conversions, as well as for annual Roth contributions during working years, is one of the most complex decisions that the ridiculously complex US taxation and retirement planning system forces upon individuals.”

Wez Brown presents Ways Company Benefits Affect Your Tax Code posted at Tax Codes, saying, “This article explains how company benefits affect ones tax code and what he should do in such case.”

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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