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

Carnival of Financial Planning – Edition #147 – June 25, 2010

Welcome to the June 25, 2010 Edition #147 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 and Economics

Sustainable Life Blog presents Cash Flow posted at Sustainable Life Blog, saying, “Tips on how to manage cashflow.”

KCLau presents Global Spending: How People Spend their Money posted at KCLau’s Money Tips, saying, “Results from a World Bank study entitled Global Purchasing Power Parities and Real Expenditures 2005 International Comparison Program spanning 2003 to 2008.”

Jaqueline Dornbach presents How to Create a Budget That Works-Step 1. | The Young Pastor’s Wife posted at The Young Pastor’s Wife, saying, “There are parts 1-4, as well as an in depth guide on how to work freedom accounts and an online excell Spending plan. You can simply click on the links that follow each article to get to the next one.”

Joshua Dorkin presents Sharp fall in Mortgage Applications Shows Housing not ready to recover posted at Real Estate Investing For Real, saying, “Here’s a look at mortgage application data and what it means in terms of the overall housing marketplace.”

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

Roshawn Watson presents Savings Down, Spending Up but What Does it Mean? posted at Watson Inc, saying, “New data suggests that Americans are saving less and spending more, as the vicious economic cycle repeats itself once again. It appears that despite proclamations that our newly-embraced frugality reflected a permanent change in behavior, frugality for many was a passing fad induced by momentary fear rather than a substantive shift in consumer 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.”

Roshawn Watson presents Will the Economy Collapse In 2011? posted at Watson Inc, saying, “With the steep increases in federal, state, and local taxes scheduled for next year, will economic activity be stifled to the point of economic collapse in 2011?”

The Financial Blogger presents Why The Loonie Is As Strong as a Bear? posted at The Financial Blogger, saying, “It has been more than a year that our Canadian Loonie has been beating on the greenback and we have now reached the moment when most economists predictions will become reality: the elusive state of parity between the Canadian and US dollar.”

Learn Save Invest presents The Best Financial Advice posted at Learn Save Invest.

Estate Planning

Jeff Rose, CFP presents Should You Do a Will or a Living Trust? posted at Jeff Rose.

Financial Planning

FMF presents Seven Mistakes in Hiring a Financial Planner posted at Free Money Finance, saying, “Be sure to avoid these mistakes when you hire a financial planner.”

freefrombroke presents Choices For Your 401(k) When You Leave Your Job posted at Free From Broke, saying, “A 401(k) is a great retirement tool, but what do you do with it if you leave your job? Here is a rundown of some popular options for your 401(k) money after you leave your job.”

jim presents How Long Should I Keep Financial Documents? posted at Blueprint for Financial Prosperity

Joe Plemon presents Which Comes First: Earning or Saving? posted at Personal Finance By The Book, saying, “The number one financial principle is to live on less than you earn. Right? Or do you need to get those earnings up first? This post helps the reader think it through.”

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.

Mike Piper presents IRA Beneficiary Rules: The “Stretch” IRA posted at The Oblivious Investor, saying, “A look at the rules for choosing an beneficiary for your IRA, as well as tips for maximizing your IRA’s value to your heirs.”

Larry Russell presents No Load Mutual Funds posted at Top Index Mutual Funds, saying, “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.”

Financing a Home

MoneyNing presents How to Recast Your Mortgage posted at Money Ning, saying, “You may be able to reduce your monthly mortgage payment without any cost.”

Financing Education

MoneyNing presents How to Use a 529 Plan to Improve College Savings posted at Money Ning, saying, “A 529 plan can help your college savings tremendously. Check out how the government can help contribute!”

Health Care

Madison DuPaix presents Health Care Bill Impacts: The Individual Mandate posted at My Dollar Plan, saying, “Great article on how the the new health care bill may affect your finances.”

Income

Consumer Boomer presents Finding a High Interest Savings Account posted at Consumer Boomer.

Mike @ Green Panda presents 10 Promising Sectors for the Next Decade posted at Green Panda Treehouse, saying, “Choosing your career at the age of 20 is not an easy thing.Which jobs will be paid well by employers for the next 10 years? Here are my top ten picks (in no particular order) of the best sectors”

Investing

Darwin presents Reverse Splits: Why Leveraged ETFs All Go to Zero posted at ETF Base, saying, “With all the hype surrounding leveraged ETFs, it’s important to understand why they all go to zero if you hold them long enough!”

Praveen presents CBOE Just Had Its IPO: Why I Bought The Stock posted at My Simple Trading System, saying, “An investing system for IPOs”

Praveen presents Lichello’s AIM System posted at My Simple Trading System, saying, “A look at Robert Lichello’s AIM stock investing system, which was popular in the 1970′s and then went out of style.”

jim presents Goldline Scam posted at Blueprint for Financial Prosperity, saying, “Goldline has been in the news alot as gold prices continue to soar and legislators, specifically Anthony Weiner of NY, taking a look at their business practices. This begs, the question, is investing in gold through Goldline a scam?”

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.”

Silicon Valley Blogger presents My First Stock Market Moves: How I’ve Lost and Made Money In The Market posted at The Digerati Life, saying, “My first experiences with the stock market.”

Aussie Investor presents Valemus Share Float posted at Australian Investing, saying, “The Valemus Limited initial public offering is the biggest to hit the Australian share market so far this year. And unlike some of the more speculative issues which have been promoted so far this year, the company has a real and profitable business behind it. This article discusses the details of the Valemus float from a prospective investor’s standpoint.”

The Skilled Investor presents Market Timing posted at Investment Portfolio 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.”

Zach Scheidt presents Express IPO Looks Good for a Bounce posted at ZachStocks, saying, “Express Inc. (EXPR) has traded down since its IPO earlier this month. The company is still primarily owned by a private equity firm who has a vested interest in making sure the stock price is stabilized.

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

Marc Ryan presents Proposed Canadian Securities Act and investor protection: a failing grade – IndependentInvestor.info posted at IndependentInvestor.info, saying, “On May 26, 2010 the Minister of Finance of Canada released a draft bill for a new Canadian Securities Act. In his press release he states that the proposed regime will provide better and more consistent protection for investors across Canada; improved regulatory and criminal enforcement to better fight securities-related crime; new tools to better support the stability of the Canadian financial system; faster policy responses to emerging market trends; simpler processes for businesses, resulting in lower costs for investors; and more effective international representation and influence for Canada. What’s not to like? In this commentary IndependentInvestor.info examines the weaknesses in investor protection in existing Canadian federal and provincial legislation, how the draft bill deals with those weaknesses, and the benefits for investors claimed in the Minister’s release. Are those benefits truly found in the draft bill? Read on.”

PT presents Money Market Mutual Funds posted at Prime Time Money, saying, “When investing, it’s important to know about money market mutual funds. It’s also important to know how they differ from money market accounts.”

Writers Coin presents Gordon Gekko was Right: Greed is Good posted at The Writer’s Coin, saying, “Gordon Gecko got rich because he was greedy. He went to jail for breaking the law. We should all use greed to get things done instead of feeling icky because we’re greedy.”

Dividend Tree presents Dividend Investing and Businesses with Moat posted at Dividend Tree, saying, “In general, companies with moats in their business are very good dividend growth providers. However, the opposite may not be true.”

jacqjolie presents I am “the emotional investor” posted at Single Mom, Rich Mom, saying, “Learning to invest and trying to control the emotional highs and lows at the same time is hard!”

Zach Scheidt presents Solar Selloff Close To Exhaustion? posted at ZachStocks, saying, “Solar stocks are off sharply due to Euro-Zone concerns. Trina Solar could end up being an exceptional value if earnings remain somewhat stable and management is able to calm investor fears.”

Tomas Escent presents Stock Trading Automation posted at Nerds on Wall Street

Mike @ Green Panda presents You Want To Lose money? Buy Bond Funds « Green Panda Treehouse posted at Green Panda Treehouse, saying, “You might have been burnt by the market but it doesn’t mean that you should hang yourself with bonds”

mike presents Low Cost Ways To Buy Dividend Stocks posted at Mike, saying, “How to save money on stock purchases.”

Dividends4Life presents 6 Dividend Stocks Working Even When I?m Not posted at Dividends Value, saying, “This past week I have been vacationing. As such, I have not done much work. However, a quick check of my brokerage account shows that my dividend stocks have been very busy this week. It is nice to know my income portfolio never takes a day off. What’s even better is the portfolio is frequently getting a raise through higher cash dividend payments.”

Managing Debt

Jeff Rose, CFP presents How to Pay Off Your Credit Card Debt Fast posted at Jeff Rose.

Joe Plemon presents How to Pay Off Your House (and everything else) Early posted at Personal Finance By The Book, saying, “With a plan, you can get rid of your debt much quicker than you ever dreamed. This post shows you how.”

The Smarter Wallet presents Are Debt Counseling Services The Way To Debt Relief? posted at The Smarter Wallet, saying, “On debt counseling services.”

Learn Save Invest presents 5 Steps To Debt Reduction posted at Learn Save Invest, saying, “Here are 5 tips you need to master in order to reduce your debts.”

Silicon Valley Blogger presents The Brand New World Of Peer To Peer Lending posted at The Digerati Life, saying, “Discussion on peer to peer loans and lending sites.”

Craig Ford presents Credit Card Debt Problem? Essential Resources to Beat Credit Card Debt posted at Money Help For Christians, saying, “In this post conventional wisdom is joined with creative ideas in an effort to help people in credit card debt.”

Big Cajun Man presents Found Money Trap posted at Canadian Personal Finance Blog, saying, “Found money should go on debt no matter what!”

Miscellaneous

nissim ziv presents Tough Interview Questions and Best Answers posted at Job Interview Guide, saying, “Answering hard/tough interview question require preparations. Do your best to prepare yourself to these difficult job interview questions. Walking into an interview without a good preparation, knowing exactly what you are going to say, is like trying to give a speech without preparing it – few can do it though.”

Sustainable Life Blog presents When To Go It Alone posted at Sustainable Life Blog, saying, “When should you go it alone in personal finance? Sometimes, your friends may not always want whats in your best interest. When do you need to say “sorry guys, not this time” to spending money”

Jessica Bosari presents Getting Credit is Possible, Even Without a Credit History | billeater.com posted at Billeater, saying, “Getting credit without a credit history…”

Super Saver presents Disputed Price Increase on Phone Bill and Won posted at My Wealth Builder, saying, “Last month, our phone bill was up 12%, with no changes made on our part. We disputed the increase and the phone company agreed.”

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

Joe Plemon presents To Buy or Not to Buy? The Cost per Use Method posted at Personal Finance By The Book, saying, “It isn’t just the upfront cost that matters. You should also consider how much you use what you buy.”

2 Cents presents Does Money Reduce Stress? posted at Balance Junkie, saying, “Which is the better stress-reliever: more money, or more control over your money?”

MoneyNing presents Three Expensive Habits that are Putting Your Financial Future at Risk posted at Money Ning, saying, “Improve your habits and you will prosper. Here are three that you absolutely must change first.”

Retirement Planning

Jeff Rose, CFP presents Roth IRA Basics posted at Jeff Rose, saying, “Learn the ins and outs of the Roth IRA.”

FMF presents Regular Adjustments Maximize Retirement Success posted at Free Money Finance, saying, “Be sure to regularly adjust your retirement investments in order to maximize total returns.”

Super Saver presents Is $1 Million enough for Retirement? posted at My Wealth Builder, saying, “Maybe yes, and maybe no. However, it’s a good start.”

Ryan @ CML presents Roth IRA Conversion posted at Cash Money Life, saying, “A Roth IRA conversion is when you change a Traditional IRA to a Roth IRA. To do so you will need to pay taxes and there may be restrictions.”

Claudia Gonella presents When Retirement Looms, Retreat to Central America posted at Real estate investing in Panama, Costa Rica, Nicaragua and Belize, saying, “US baby boomers are looking at ther shrinking pension plans and running the numbers. Many are concluding that moving overseas may make more sense for them than staying at home. They’re atttracted by the lower cost of living available in Central America, affordable real estate, good climates and close proximity to the US.”

The Financial Blogger presents At 55 – Is it Too Late For Retirement Planning? posted at The Financial Blogger, saying, “So if you don’t have a plan at 55, is it too late for retirement planning? The quick answer is no (especially since you might not even retire at 65 but perhaps closer to 70 or 75 ;-) ). However, some things may need to change if you want to have a comfortable retirement:”

Risk Management and Insurance

Jeff Rose, CFP presents What is a Term Life Insurance Policy? posted at Jeff Rose, saying, “You know that in order to protect your family’s financial situation, life insurance is necessary.”

Ryan @ CML presents What is a Credit Freeze? posted at Cash Money Life, saying, “A credit freeze blocks access to your credit report, preventing identity theft and credit fraud, but there may be downsides to it. Read how to do it.”

Susan Howe presents 10 Easy Ways to Minimize Your Life Insurance Premiums posted at The Budget Life Blog, saying, “Life insurance can get expensive, depending on a number of factors. Fortunately, you can reduce your premium payments with a little planning. Here are 10 easy ways you can minimize your life insurance premiums.”

Big Cajun Man presents Self Insured Company Disability Plans posted at Canadian Personal Finance Blog, saying, “Sometimes insurance is not as safe as you might think (in Canada at least)”

Savings

Susan Howe presents The High Cost of Clutter posted at Get Rich Slowly, saying, “Excess stuff can keep costing you money even after it’s been bought and paid for.”

Jim & Martha presents How to Save Money Booking Cruises posted at Wanderlust Journey.

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

Taxes

Mike Piper presents Inherited IRA Rules posted at The Oblivious Investor, saying, “A walk-through of the special rules that apply to beneficiaries of inherited IRAs.”

Ryan @ MFN presents Homebuyer Tax Credit Extension for Military and Overseas Federal Employees posted at The Military Wallet, saying, “There is an extension to the homebuyer tax credit, which is available to military members and federal employees who live overseas.”

Mr. Money Smarts presents Bush Tax Cuts Set To Expire In 2011. Will You Be Paying More? posted at Smart On Money, saying, “With the Bush tax cuts set to expire, will you end up paying more?”

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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