Best Personal Financial Planning and Personal Investment Articles this Week from Personal Finance Blogs
Carnival of Financial Planning – Edition #219 – January 13, 2012
Welcome to the January 13, 2012 Edition #219 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
Mr. Harvey presents Expense Tracking Spreadsheet posted at My University Money, saying, “Just a short post today to announce the upload of my personal expense tracking excel file. If you are considering tracking your expenses in the new year to gain a better understanding of where your money goes, or you want to abandon your pen and paper methods, I believe this tracker can help you.”
Sabrina presents How to Get Your Kids to Stop Treating You Like an ATM posted at Wallet Watcher, saying, “When raising children, no one sets out to raise a brat. No parent thinks to themselves, “I want my child to be irrational and demanding.” No one purposely fosters unreasonable expectations. And yet many parents reach an unpleasant day when they look at their child and realize that somehow, they have.”
Forest Parks presents How To Simplify Your Life posted at Frugal Zeitgeist, saying, “A great way to cut back on expenses is to cut back on everything. I have found minimalism has saved me a lot of money and stress and put together this guide to help everybody try and do some of the same.”
Kelsey presents Do It Yourself Baby Food posted at Money Mum, saying, “Making baby food from home is the healthiest, most cost-effective way to give babies exactly what they need as they begin solid foods. Read on for some basic tips to get started.”
Funancials presents Should I Cancel My Credit Card? posted at Funancials, saying, “Over the last few years, Credit Reporting has gotten a lot of attention in the media. Part of it due to the Dodd-Frank Financial Reform Act, but I also give a lot of credit to the jingles of Freecreditreport.com. Although I love the commercials, I’m not a huge advocate of the website.”
Suba presents How to Prepare to Give an Effective Presentation posted at Broke Professionals, saying, “Presenting ideas, products and information is an integral part of being in business. Whether you are trying to convince the boss to give you a raise; nudge your customer into buying the latest shiny product the company makes; or pry venture capital lose from an angel investor, you need presentation skills.”
Janet Russell presents Personal Budget Software posted at Best Financial Planner, saying, “If you do not understand how much you spend and how much you are saving and investing, you simply do not have a financial plan. This situation dramatically increases your family’s long-term financial risk.”
Sustainable PF presents Why Use Cloth Diapers? posted at Sustainable Personal Finance, saying, “We have now been using cloth diapers for nearly over 3 months and so far we are really happy about using them. What follows are my thoughts on why cloth is more sustainable, not only for the planet but also for your pocketbook – the reasons why we use cloth diapers.”
D.J. presents Save Money – Brand Names Vs. Store Names posted at The Family Wallet, saying, “If you just concentrate on food products to save money, you will find out that most store brands are very similar to brand names and usually are made from the same ingredients. The only thing that is different is the name.”
Financial Planning
Janet presents Start 2012 Off Right: How to Make a Spending Plan posted at Credit, Eh, saying, “A spending plan helps you direct your financial resources, providing you with a road map that (hopefully) reflect your priorities and goals.”
Philip Taylor presents How to Find Your Federal Income Tax Bracket posted at PT Money Personal Finance, saying, “A run down of the 2011 tax brackets to help with tax planning calculations”
Bob presents How to Calculate Your Net Worth and Why You Should posted at Christian Personal Finance, saying, “While I think few would argue that paying off debts is a good thing, there is a better way to accurately see the big picture of your finances. It is called your NET WORTH. And no it is not just a number that rich people talk about at cocktail parties. It is what financially savvy people use to track their progress. ”
Kacie at Sense to Save presents Do you calculate your net worth? posted at Sense to Save, saying, “Do you calculate your net worth, or do you think it’s not a worthwhile exercise?”
Aaron Hung presents Change your car and save money | Aaron Hung.com posted at Aaron Hung.com, saying, “If you’re in the market for a new car and want to save money in the process on your car insurance, then read on. More and more insurance companies are competing against each other for you. How? the internet of course.”
Theresa Torres presents How To Recession-Proof Your Investment Portfolio posted at Financial Planning Tips, saying, “Managing your portfolio wisely through the vehicle of diversification is important to remain financially healthy through any upcoming economic storms.”
Charles Chua C K presents How Many Bank Accounts do You Need to Manage Your Personal Finance? posted at All About Living with Life.
Big Cajun Man presents Financial Resolutions and Lifespans posted at Canadian Personal Finance Blog, saying, “The lifespan of any resolution is short, but for some financial ones, the lifespan is almost non-existant!”
Jacob @ My Personal Finance Journey presents 2011 Year-End Financial Goals Review and Progress Update posted at My Personal Finance Journey, saying, “This post revisits the short-term, mid-term, and long-term goals that Jacob set out for himself in the beginning of 2011, and provides a comprehensive review of the progress made on those goals at the end of 2011.”
Walter Binkle presents Fixed Income Funds posted at Fixed Income Investing, saying, “The bond investment fund market is no place for an individual investor to try to beat the market and get higher returns through attempts at clever fixed income investing. Even professional bond market money managers do not beat the bond market.”
Jason presents Making Up Stories posted at Live Real, Now, saying, “Saturday night, as I was walking out of the pizza place, I saw a beautiful young brunette standing on the sidewalk talking on her cell phone. As I walked past, I heard, “I could pay my rent if they’d just give me my last paycheck! They owe me like $200.” Have you ever heard a tiny piece of a conversation and used that to build a back story in your own mind?”
Larry Russell presents ID theft protection posted at Personal Financial Planning, saying, “As a threat to your financial security, you should take the potential for identity theft very seriously. Identity theft sometimes entails a loss of your money, but whether or not you lose money, it can take a very large amount of your time to rectify. Taking these steps to prevent an occurrence is prudent.”
Marie presents Getting the New Year Off to a Good Financial Start posted at Money Spending Mommy, saying, “Here are a few tips for improving your financial health this year”
Frank Bertin presents Index Funds posted at Best Investment Strategies, saying, “Short-term mutual fund trading is a zero sum game played against other very well informed mutual fund traders and other securities market traders. On average, higher mutual fund turnover is far more likely to result in lower investment fund performance — instead of superior risk-adjusted performance.”
Kay Lynn presents 6 Reasons Not to Have a Garage Sale posted at Bucksome Boomer, saying, “A garage sale isn’t the most productive way to get rid of your unused items, and you have other, better options to use to get your home organized.”
Financing a Home
PITR presents Is it Possible to Retire on Rental Properties? posted at Passive Income To Retire, saying, “Not only is it possible to retire on real estate, there are many benefits that you need to take advantage of.”
Jester presents Easiest Way to Make a Profit in Real Estate posted at The Ultimate Juggle, saying, “Investing in real estate can be a great way to set yourself up for the future. If you invest in the right property at the right price, you can create a positive cash flow from the beginning.”
Everydaytipsandthoughts presents My Biggest Tip For Refinancing A Home posted at Everyday Tips and Thoughts…, saying, “We recently refinanced our home. Shared our experience refinancing and also included the one thing you need to know before starting the process.”
Financing Education
Kacie at Sense to Save presents Investing in our greatest asset and going back to school (for cheap) posted at Sense to Save, saying, “My husband is preparing to go back to school this summer to earn his master’s, while working full-time. His employer will reimburse us part of the tuition and we’ll pay for the rest with tax credits. We’re optimizing our use of our state’s 529 plan to get the biggest bang for our investment buck.”
Joy presents Higher One Turns Financial Aid Into Big Business posted at NerdWallet | Politics, saying, “Many students, especially college freshmen, aren’t equipped to decide how best to receive financial aid reimbursements. In the absence of regulations to limit student banking fees and rein in symbiotic relationships between Higher One and schools, there is a clear need for increased financial literacy programs to provide students with unbiased information on their banking options.”
Income
Ashley presents Unemployment Benefits for the Self-Employed? posted at Money Talks Coaching, saying, “I was poking around the internet the other day and came across this article in Time and learned about a new unemployment policy for the self-employed. Here is my take on it.”
Linsey presents URGENT: SOPA Will Kill Your Mom Blog and WAHM Business posted at 1099 Mom, saying, “Maybe you’ve heard a lot of buzz surrounding SOPA (Stop Online Piracy Act). You might have even thought that it was harmless (after all, what could be so bad about a law that protects musicians and movie makers from having their works stolen online?) While it could potentially be used for this valiant effort, the danger of SOPA is far worse than anyone expected, and this is why bloggers and those in the online media are fighting so hard against it.”
Matt presents How to Make Money by Blogging posted at Living in Financial Excellence, saying, “Accepting ads on your site can earn you some extra money but you have to be careful with the types of ads you accept so you don’t send conflicting messages to your readers. You also don’t want to overwhelm readers with ads in the text of your posts because that can scare them away.”
Linsey presents Review of Project Bubble posted at 1099 Mom, saying, “I tried Project Bubble as a deal on App Sumo, and I am so glad I took the plunge! Here are the finer points of my new favorite web-based project management application.”
Miranda presents 50 Home Business Ideas posted at Financial Highway, saying, “Many of us want to earn extra money from home. And, indeed, starting a home business can be a good way to cultivate additional income, and help you reach other financial goals that you might have. From creative business ideas, to the more mundane, here are 50 home business ideas.”
Penny presents Career Fairs Part (III) posted at Penny Pinching Professional, saying, “This is the third in a four part mini series about how to be success at career fairs. Read the whole series to find out how to make a great impression on recruiters and move yourself to the top of their candidate list. A good job is the first step toward great finances!”
Investing
Hemant Beniwal presents Best Mutual Funds to Invest in 2012 in India posted at The Financial Literates, saying, “Indian Government has allowed foreign individual investors to invest in India. India is an emerging economy & everyone can divert some part of their portfolio in Indian Mutual Funds.”
Dividend Growth Investor presents Best Dividend Stocks for 2012 posted at Dividend Growth Investor, saying, “I believe that the stocks I selected to be great long-term holdings for many decades to come. The companies identified above are riding multi-decade consumer trends, and have strong brands that customers are willing to pay a premium for. In addition, the products that these companies produce would likely still be purchased by consumers for several decades into the future. Rapid shifts in consumer preferences are unlikely. In other words, if you like drinking Pepsi, you would keep drinking Pepsi. As a result, I would consider these stocks to also be the best dividend stocks for 2012 as well.”
Dr. Dean presents Football and Personal Finance-14 Corollaries! posted at Dr. Dean’s TheMillionaireNurse.com Blog, saying, “Financially speaking, it’s been a tough year, but then, every year can be. Need a ‘pat on the butt’ locker room pep talk? Get one here and then be ready to ‘get back in the game’”
Dividends4Life presents 5 Dividend Stocks Raising Shareholder Returns posted at Dividend Growth Stocks, saying, “It’s human nature for new income investors to focus on yield. Many eventually learn that above average yields often carry an above average risk of a dividend cut, loss of invested capital or both. Those investing in dividend stocks, can do certain things to increase their chance of success. One method is to focus on stocks the consistently increase their dividends.”
Mike Piper presents REITs Are Stocks posted at The Oblivious Investor, saying, “Despite misconceptions to the contrary, REITs are simply a type of stock. They’re included in most broad index funds.”
Ken Faulkenberry presents Types of Investment Risk and Rate of Return in Portfolio Management posted at AAAMP Blog, saying, “A discussion of how an investor should view different types of investment risk and rate of return in portfolio management.”
Kevin presents Millionaire Teacher: The Nine Rules of Wealth You Should Have Learned in School posted at Invest It Wisely, saying, “Andrew Hallam is an excellent teacher, and he continues to inspire and motivate me through his passion toward finance and life. He uses humour and anecdotes to get us interested in the message, and then to show that he’s serious, he backs it up with a comprehensive set of references and research.”
Janet Russell presents Fund manager performance posted at Personal Investment Management, saying, “The effort to find those few supposedly superior money managers willing to sell their services sufficiently cheaply is a costly, time consuming, and futile, “Where’s Waldo?,” searching exercise for the individual investor.”
Dan presents Strategy Combining High Dividend Yields with Option Income posted at ETF Base, saying, “If you’re an investor interested in both dividends and income from options, here’s the strategy for you!”
Kevin presents Do the Experts Know Anything about Picking Stocks? posted at Thousandaire, saying, “I’ve been investing in the stock market for over four years now, and at times it’s been downright ugly. The only investing strategy that makes sense to me is buy and hold. Short term investing, even for just one year, seems like a complete crap shoot to me.”
Finley Merriwether presents Best Bond Mutual Funds posted at Low Cost Bond Funds, saying, “Vanguard dominates this low cost United States bond mutual funds marketplace for direct purchase accounts with both low and high minimum deposits. Investment research overwhelmingly shows that lower cost fixed income funds tend to yield higher bond investing returns.”
Dan presents Dogs of the Dow for 2012 – Will They Outperform Again? posted at High Yield Edge, saying, “The Dogs of the Dow investing method outperformed the Dow30 index by 12% last year. Will it repeat? Here are the 10 stocks you’d have to buy to participate.”
Dan presents Best ETFs of 2011 posted at ETF Base, saying, “Curious what the top 10 ETFs were in 2011? This ranking gives some insight into what was hot last year and where the gains are in 2012.”
Jack Ping presents Top No Load Mutual Funds posted at My Investment Funds, saying, “There are over 60,000 different mutual fund investment share classes sold worldwide. Some mutual funds and ETFs must be better than others, but which ones are they? How can you tell before the fact?”
Mike Collins presents Why I Like Stocks That Pay Dividends posted at Saving Money Today, saying, “One of the best ways to increase your net worth and build wealth is to invest in stocks that pay dividends”
Marissa presents Women and Investing posted at Thirty Six Months, saying, “A look at the differences in numbers between men and women when it comes to investing.”
Managing Credit and Debt
Corey presents Different Types of Financial Aid posted at 20s Finances, saying, “Learning the different forms of financial aid can make all the difference in reducing your college debt.”
Erika presents Paying down student loans posted at Newlyweds on a Budget, saying, “The following is a guest post. My student loans stand at approximately $22,550. I originally had about 9 different loans, but I ended up consolidating them. Debt consolidation loans help minimize the payment you have to pay, which was a huge help back when I was a broke college graduate.”
Daniel presents How I Made Money on a $371 Visit to the Mechanic posted at Sweating the Big Stuff, saying, “After bringing in my car for maintenance, I was given a loaner for a 1,000 mile to and from San Francisco. Just how much money did that save me? ”
Briana Myricks presents Suze Orman’s “Approved Card” Gets Denied; Thinks PF Bloggers Are Idiots posted at 20 and Engaged, saying, “Suze Orman went on a Twitter rant after personal finance bloggers denied her “Approved Card”.”
NerdWallet Blog presents Sticking to Your Resolutions: A NerdWallet Quiz posted at NerdWallet Blog – Credit Card Watch, saying, “To ensure a successful conclusion to your New Year’s resolution to cut back on debt or save more, you can adjust your plans to fit your personality.”
Money Cone presents Suze Orman’s Prepaid Debit Card: Bad Wine in a New Bottle posted at Money Cone, saying, “Suze Orman recently launched a prepaid debit card called the Approved Card. Now, I’m not a big fan of prepaid cards in general and prefer debit cards instead, but this coming from Suze Orman, deserved another look.”
Miscellaneous
Aloysa presents Would You Date a Guy From a Trailer Park? posted at My Broken Coin, saying, “I try not to judge a book by i’s cover because usually the cover very seldom reveals what is written inside of the book. A few years ago I passed judgment on one of my good friends based on a social stigma. Read my social class dilemma!”
Kyle presents Get Paid to Reduce Your Energy Usage posted at The Penny Hoarder, saying, “There are some money-saving ideas that you’ve no doubt heard a million times. Some of the most oft repeated tips are how to reduce your energy bill. Turn off the lights. Lower the thermostat in the winter. Buy an energy efficient water heater. Those are all great ideas, but one company is taking it a step further to help motivate us. Read on to learn more!”
Amanda L Grossman presents A Great Site to Sign up for Email Offers posted at Frugal Confessions, saying, “Learn about this great tool to hone your frugal skills like I do!”
Wayne presents Appropriate Tip posted at Young Family Finance, saying, “Find out what an appropriate tip is when you are eating out. How much are you overspending?”
The Skilled Investor presents Investment Timing Does Not Work posted at Financial Management, saying, “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.”
Don presents Home Security! Deciding to Spend or Not to Spend posted at Money Reasons, saying, “It’s Jan 1, 2012 at 4:14am, my dog started barking like an entire gang was at my front door trying to break in. Much like the dad in Clement Clarke Moore’s poem, Twas the night before Christmas, I sprang out of my bed in an adrenaline pumping state ready to encounter whatever threat might exist.”
101 Centavos presents Interview With Foster Wilson of MESA EXPLORATION posted at 101 Centavos, saying, “Mesa Exploration formerly Mesa Uranium is a junior exploration company active in Utah and Arizona. I bought shares of MSA MSJAF on the pink sheets.”
Brockton Eaton presents IRA Retirement Calculator posted at IRA Account Investing, saying, “Whether or not to make investments into “traditional” tax-advantaged employer accounts and IRAs versus investing in “Roth” tax-advantaged employer accounts and personal IRAs is never a straightforward nor simple financial planning decision.”
KT presents Consider Making New Year’s Goals, Not Resolutions posted at Personal Finance Journey, saying, “New Year’s Day and New Year’s resolutions go hand and hand. Americans, tired of all of the overindulgence of the holidays and their bad habits, resolve to change their lives. Check out a different spin this new year!”
Eddie presents Reasons to Buy a Car in January – After the Holidays! posted at Finance Fox, saying, “Consumers used to shop heavily during December in order to reap the great rewards from the retailers. However, times have changed. Consumers are getting more wiser and January has also become a hot month for retail therapy.”
Shaun presents Crash Course in UCC Check Endorsement Rules for Newlyweds posted at Smart Family Finance, saying, “Newlyweds face unique complications in cashing wedding checks thanks to the ambiguity of name changes. Learn what the UCC rules are for signing and cashing checks and never put the word and or & on a check to newlyweds”
Justin presents 10 Interesting Finance-Related Facts You Never Knew posted at Money Is the Root, saying, “I think money and finance is fun and interesting, but if you don’t, here are the ten most AMAZINGLY interesting finance-related facts that I bet you didn’t know.”
Teacher Man presents My Sirius/XM Discount Journey posted at My University Money, saying, “I constantly amazes me what the mark up is on certain products and services, and how much money you can save by remembering that Everything Is Negotiable! I’ve saved little bits of money on monthly services such as my phone, internet, and television costs before, but my most recent frugal adventure came courtesy of my new satellite radio.”
LaTisha presents Little Futures on the Prairie posted at Financial Success for Young Adults, saying, “Do you remember Little House on the Prairie? If Pa had known about the futures market he could have made money selling a futures contract. Futures introduction.”
Don presents The Real Cost of Eating Out posted at MoneySmartGuides, saying, “I was looking over my budget for the previous month and something stood out. At first, I thought I made a typo along the way. Maybe I categorized a purchase incorrectly somewhere along the way. After checking and rechecking and I discover the real cost of eating out!”
Julie presents A Masterminds List of the Top Ten Posts of 2011 posted at The Family CEO, saying, “Check out my 10 most popular post for 2012″
Darwin presents No Cost Refinance – A No-Lose Financial Move? posted at Darwin’s Money, saying, “A no-cost refi is starting to make more sense to me now that I’ve read more about it, and I was especially surprised to see the number of no-cost refinance companies out there. I’ve been contemplating a refi for some time now and had initially put it off due to the exorbitant fees”
Retirement Planning
Matt presents Should Smoke Cigarettes of Invest for Retirement? posted at RamblingFever Money, saying, “This is a hypothetical example of two friends, Joe and Bob, whose lifestyle choices have an incredible affect on their finances. The numbers are astounding!”
Nick presents Anyone can retire if they want it bad enough. You just need a plan. posted at Step Away from the Mall, saying, “I am completely confident that anyone can retire in 20 years if they play their cards right. Yes, 20 years. So I guess if you’re 70 with a ton of debt and no savings you might be in pretty tough shape. But if you’re 50 years old or younger, and healthy, I have no doubt you can become financially free within 20 years. How? Simple. (Yes, simple.)”
Frank Knight presents Best S&P 500 Mutual Fund posted at Best Mutual Funds, saying, “The no load index fund strategy of the Schwab S & P 500 Index Fund tracks the S and P 500 stock index. This no load index fund was listed as one of the top 25 lowest cost index mutual funds in a research study.”
Barbara Friedberg presents Reader Question; Roth or 401K, Which to Max Out First? posted at Barbara Friedberg Personal Finance, saying, “Both a Roth IRA and 401(K) help you reach your retirement goals. If you can only afford to invest in one, which one should you choose?”
Whitney Broad presents Retirement Savings Calculator posted at Retirement Savings, saying, “By looking at wealth as a lifetime pattern of sustainable expenditures within one’s budget, then people who are indeed wealthy cannot be identified solely by their current assets or income. While personal wealth should measure current financial investments and other salable assets, it should also measure your ability to sustain your household budget, build up your investment portfolio, and weather potential financial risk and misfortune across your lifetime.”
YFS presents Our Net Worth Increased By 125k in 1 year posted at Your Finances Simplified, saying, “So last year turned out to be really good for the YFS household. How good? Well I’ll let you decide. At the start of 2011 our net worth was $122,403.43. At the start of 2012 our net worth is $246,756.54!”
Robb Engen presents Gold Plated Pensions – A Blessing Or A Curse posted at YoungAndThrifty, saying, “A gold-plated pension has been seen as a blessing for Canadian workers for decades, but these pension plans are now hard to come by outside of the public sector. Employees lucky enough to have such a plan were thought to be set for life in retirement.”
Andy presents Retirement Planning Requires Action posted at My Retirement Blog, saying, “If you are starting to think about your own retirement, you are on the right path. You have taken the first step towards achieving that dream retirement. You may need to spend some time writing down your goals and/or expectations for retirement, but asking the questions is where everyone begins. Yet, just thinking about retirement”
Super Saver presents Looking for Fifteen More Good Years posted at My Wealth Builder, saying, “I’ve come to the realization that my remaining time is relative short.”
Super Saver presents How Did I Have Time to Work? posted at My Wealth Builder, saying, “At a recent holiday gathering, I commented to a fellow busy retiree, “How did we have time to work?”"
Rachel Cleary presents Where to Retire for Less than $1,500 Per Month posted at Senior Care, saying, “As of the first quarter of 2011, the average retiree benefit from Social Security was under $1,200 per month. For retirees with a modest nest egg saved for retirement, drawing on the 4% withdrawal rule to supplement Social Security still does not bring their annual income over $18,000 per year. Unfortunately, finding a place to retire on less than $1,500 a month is not easy, unless a retiree is willing to move. There are numerous cities throughout the United States, and definitely places abroad, where a small budget can still provide a comfortable lifestyle.”
Risk Management and Insurance
Glen Craig presents To Do This Year: Buy Renters Insurance posted at Free From Broke, saying, “With buying a home so risky many are turning to renting. But what many are forgetting is that they should buy renters insurance as well! See some reasons why.”
Thomas Jensen presents Top 10 Myths About Life Insurance posted at Penge Snak!, saying, “Life insurance is among the most misunderstood financial concepts out there. But when you break it down to its components, it’s not that complicated at all: Life insurance just replaces the future income of the people in the risk pool who don’t make it to life expectancy. They do that by taking their premiums and saving it on their behalf – paying claims and investing the difference.”
KT presents Should You Leave a Life Insurance Policy to Your Kids? posted at Personal Finance Journey, saying, “Determining whether or not to purchase a life insurance policy is a big decision. Many of us want to leave something behind for our family, but there are a few things you need to consider before taking on a monthly premium”
Hank presents Seven Car Insurance Myths You Need To Know posted at Money Q&A, saying, “There are a lot of car insurance myths that continue to be spread around by consumers. It is important to understand as much as you can about how your car insurance rates are calculated and to debunk the popular car insurance myths.”
Savings
Kennedi presents Diets That Can Lower Your Budget posted at Face and Fitness, saying, “So you’ve made two New Year’s resolutions. One is the ever-popular vow to lose weight and the other is to trim your budget. Those may seem incompatible at first, but guess what? You really can do both at once.”
SB presents How to Keep Heating Bills Low This Winter posted at One Cent at a Time, saying, “Some innovative frugal ways to keep heating bills lower this winter or every winter. Some techniques to consume lower electricity and some to use alternate an cheaper source of energy to keep your heating bills lower.”
Taxes
Amanda presents 5 Overlooked Tax Deductions for Freelancers posted at Frugal Living, saying, “Being a freelancer doesn’t have to cost you an arm and a leg come tax time. Make sure to claim some of these often overlooked deductions – remember that every dollar counts, especially when you’re self employed!”
Paul Tabbet presents Retirement Software posted at Retirement Worksheets, saying, “Retirement planning software should automate the development of lifetime projections that incorporate tax laws and rules associated with tax-advantaged retirement investment incentive programs such as traditional IRA, Roth, 401k, 403b, SEP, Keogh, and other retirement plans. Retirement calculators hides the complexity of the tax laws that are associated with these various personal retirement plans and employer-sponsored retirement plans.”
Tim @ Faith and Finance presents When Are 2011 Taxes Due? Tax Deadline in 2012 posted at Faith and Finance, saying, “Here’s an update on when the 2011 taxes are due. Hint…they’re not due on April 15th.”
Robert Moore presents Should I File A Tax Return This Year? posted at 2011 Tax, saying, “The law requires you to complete a tax return when you have income above a designated amount.”
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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Tags: money economics
Thanks for including me!
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Thanks for including me!
Great carnival….thanks for the inclusion!
Thanks for the inclusion!
Thanks very much for the inclusion on our cloth diaper submission!
This’s a carnival link roundup. It should have taken a huge time to read all. Thanks for including me.
Thanks for including my article about goal setting!
Thanks for the inclusion!!!
Thanks – this is my first carnival! woot woot!
Love all the great posts!
Lots of good reads. Thanks for including me.
Thanks for the mention!
[...] My article Unemployment Benefits for the Self Employed was included in the Carnival of Financial Planning. [...]
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Thanks for including me! I’ll make sure to promote your site and carnival.
Perhaps you could include social media buttons on your page, facebook, LinkedIn, twitter etc. – just a suggestion :)
Thanks so much for including Mrs. SPF’s article (essay!) on the health and financial benefits of using cloth diapers.
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