April 25, 2009, 5:35 am

Carnival of Financial Planning – April 25, 2009 Edition

by: The Financial Blogger    Category: Reviews
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Best Personal Financial Planning and Personal Investment Articles this Week from Personal Finance Blogs

Welcome to the April 25, 2009 edition 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

Silicon Valley Blogger presents The Dave Ramsey Budget: Budgeting Tips For Successful Savers posted at The Digerati Life, saying, “Thanks!”

Michael Gvirtzman presents Expense Allocation Between Wants and Needs posted at Mind Listings, saying, “Elaborates on golden rules of expense distribution between needs, wants, and savings.”

Pasadena Financial Planner presents Living Expense Tracking Methods posted at Pasadena Financial Planner, saying “Many people do not track their living expenses and do not understand the magnitude of their consumption. Failure to monitor your consumption expenditures means that they are flying blindly regarding their future finances. 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.”

Momma presents Engineer A Debt Free Life posted at Engineer a debt free life, saying, “One way you can stretch your budget is by getting free groceries! Our post will show you how to do just this!”

Gregory E. Rouse presents Budgeting posted at Frugal-Living-Skills Blog, saying, “Money is a funny thing, if you don’t decide beforehand where you want it to go, it will still go. An old friend mine use to say, “money is like gas it expands to fill the space”.”

Larry Russell presents Financial Planning Reading List posted at Pasadena Financial Planner, saying “When I work with clients to develop their customized lifetime financial and investment plans, they often ask what they should read to improve their financial literacy. This article provides a list of recommended reading from among the many hundreds of articles that I have authored in the past several years.”

Economics

Dorian Wales presents On Causality and Correlation in Economics posted at The Personal Financier, saying, “Causality is perhaps the most fundamental element of empirical evidence available to economists. However, it is also the source of many misconceptions due to its elusive nature.”

Estate Planning

Tushar Mathur presents Getting finances in order posted at Everything Finance, saying, “Keeping organized records is a gift to your family and to yourself. It helps ensure that your wishes are followed, that your assets are accounted for, and that your money is available to meet your family’s needs in a timely fashion.”

Financial Planning

Patrick @ Cash Money Life presents How Much Life Insurance Do You Need? posted at Cash Money Life, saying, “This is a question everyone should ask themselves – particularly if they have a family that relies upon their income.”

jim presents Buying Municipal or State Bonds posted at Blueprint for Financial Prosperity.

Financing a Home

Summer Munyon presents How To Find The Bottom Of The Real Estate Market posted at Tallahassee Real Estate Blog, saying, “If you want to know the beginning of the next phase of the market turn, just keep an eye on the green line in the graph below. You can visit this graph (updated twice per week) at The Market Bulletin.”

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

Jacqulyn Richey presents Hope for Distressed Homeowers posted at News – Las Vegas Real Estate by Jacqulyn Richey, saying, “The Making Home Affordable Initiative program is designed to help 9 million homeowners avoid foreclosure.”

Summer Munyon presents First Time Homebuyers Qualify For An $8,000 Gift posted at Tallahassee Real Estate Blog, saying, “The First Time Homebuyer Tax Credit. People want to know what it is, where is the information on the program, who qualifies (meaning even if you have owned a home previously you might qualify), and what resources exist for people to find out more.”

Income

The Investor presents Opportunity cost when starting a business posted at Monevator.com, saying, “Internet pundits will call you lazy or timid if you don’t think quitting your job to start a business is a good idea, but in reality you may truly have too much to lose.”

FMF presents Make Six-Figures Walking and Watching Pets posted at Free Money Finance, saying, “Who knew you could make so much walking dogs?”

FIRE Getters presents Why do we get laid off? A complicated corporate work culture …. posted at FIRE Finance.

Investing

The Smarter Wallet presents S & P Index and Crude Oil Market Trends: Next Steps? posted at The Smarter Wallet, saying, “Where are the markets headed? Here’s a look at where the S & P index and the crude oil market could be going.”

Curt presents Take Advantage of the Market Rally, Before the Economic Collapse Resumes posted at PennyJobs.com.

Frank Vertin presents Just Buy Index Funds Directly posted at NoLoad 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.”

Todd presents Green Mutual Funds posted at Gloomberg News, saying, “As nations all over the world unite to educate, and more importantly act to clean up the environment, there are ways to participate as an investor as well! Below are three green mutual funds that you can support and invest in!”

Zach Scheidt presents ZachStocks Podcast 7: Bankruptcies, M&A, and Playing Defense posted at ZachStocks, saying, “A discussion on current economic reports and their effect on the markets, Bank stress tests as a catalyst for selling, and defensive strategies to protect your portfolio from losses.”

Richard M. Rothschild presents The Top 14 Low Cost Taxable United States Bond Mutual Funds (Low Minimum Deposit) posted at Bond Index Funds, saying, “The top 14 low cost taxable US fixed income funds with a $10,000 or lower initial deposit. Low investment management fees are very important with fixed income funds. Simply put, if you pay higher bond mutual fund fees, then these bond management expenses tend just to be a deadweight loss to you. When you pay more in bond mutual fund fees, you are just wasting your money.”

Zach Scheidt presents Allegiant Travel – Bucking the Trend posted at ZachStocks, saying, “Allegiant Travel Company (ALGT) reported strong earnings despite a difficult economy. The company does not hedge fuel prices and enjoyed record operating margins. The stock is still trading at an attractive multiple despite a 70% run in a few weeks.”

Pinyo presents Is It Time To Get Back Into The Stock Market? posted at Moolanomy, saying, “If you got out of the stock market, an Investment Policy Statement will help you get back in and be more effective in the future.”

Investing School presents OptionsXpress Review posted at Investing School, saying, “OptionsXpress is great for options trading. Good commissions, free tools and more.”

Walter Fouse presents 7 Ways to Pick the Best Noload Mutual Funds and ETFs posted at Best Index Funds, saying, “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.”

Jae Jun presents Fortune 40 Best Stocks to Retire on: Part 1 posted at Old School Value, saying, “Putting a fair value estimate on 40 of the best stocks to retire on. This is part 1 where we take a look at the first 10.”

Dividends4Life presents Procter & Gamble (PG) Increases Dividend 10% posted at Dividends Value, saying, “If you closely follow the daily financial news, it is easy become jaded and start believing that there isn’t any good news good news out there. Don’t be confused by the noise. There are still great companies committed to generating superior returns and rewarding their shareholder. PG Is one them.”

Darwin presents How to Invest in Cuba – Does Obama’s Cuba Deal Spell Gains? posted at Darwin’s Finance, saying, “With Obama’s recent olive branch to Cuba, a CUBA focused Fund rallied 40% overnight. Will the trend continue?”

Larry Russell presents 7 Ways to Pick the Best Noload Mutual Funds and ETFs posted at No Load 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.”

Alex Fotopoulos presents SPY Chart – April 24, 2009 – Premarket posted at Chart Analysis, saying, “Chart of the large S&P 500 ETF, SPY. Alex analyzes the SPY chart using trend lines, moving averages and the Williams %R indicator.”

Managing Debt

Mr Credit Card presents Ready Debit Card Review posted at Ask Mr Credit Card, saying, “This is a review of the Ready Debit Card for people who have bad credit and are trying to rebuild their credit scores.”

Mr Credit Card presents A Reader’s Question posted at Ask Mr Credit Card.

Dr. Alan Singer presents Recession Depression? Maybe You Suffer from Hyperopia, Like Me posted at FamilyThinking.com, saying, “Why is it that i can’t spend more than the 25 bucks it takes to fill my gas tank? Is it because i have Hyperopia, which means that i’m always thinking about the future and cannot enjoy the present.”

PFCreditCards presents The Credit Card Debate posted at PF Credit Cards, saying, “Love it or hate it, credit cards are apart of our society.”

Miscellaneous

hall monitor presents Two Colts Neck High School students accused of counterfeiting money posted at DetentionSlip.org, saying, “To be filed in the “What NOT to do” column.”

Mr. Self Development presents 4 Simple Steps to Financial Success posted at Mr. Self Development.com, saying, “This article is about 4 simple steps to financial success. The first step is to become an expert. The final step is to deliver the goods.”

nickel presents How to Protect Yourself from Identity Theft and E-mail Scams posted at fivecentnickel.com, saying, “Tips for protecting yourself from fraud, identity theft, and e-mail scams. Stay safe or pay the price.”

RateNerd presents Black Market Prices for Stolen Credit Card ID’s posted at Rate Nerd, saying, “Your credit card information is now only worth between $0.06 and $30.00 on the black market, according to a new report by Symantec. Your bank account information will fetch between $10.00 and $1,000.00 depending on how much money you have in the account.”

Retirement Planning

Super Saver presents Playing the Hand that’s Dealt posted at My Wealth Builder, saying, “The economic and stock market downturn have reinforced that there are no guarantees in life, or retirement. Financial success is not as simple as “investing in a diversified stock portfolio””

Risk Management and Insurance

MoneyEnergy presents How To Protect Your Wealth From Hyperinflation posted at MoneyEnergy, saying, “Recently there has been much speculation about the prospect of the looming inflation headed the US dollar’s way, leading some to even toss around the “H” word. This post covers the basics of what you can do with your money now to protect yourself against the possibility of hyperinflation, or even just high inflation in general.”

KCLau presents Bad Experience of Car Insurance Claim posted at KCLau’s Money Tips, saying, “a story of bad experience with vehicle insurance claim”

John Russell presents In An Accident? Don posted at The Low Cost Auto Insurance Guru, saying, “You pay your premiums, but when your car is damaged, you balk because you fear a claim will mean higher insurance rates. Here”

Savings

Wise Bread presents Financial Literacy Month Project: Setting Your Financial Goals | Wise Bread posted at Wise Bread, saying, “Here is a brief overview of the three kinds of savings goals, and how you might wish to use each to achieve your financial aspirations.”

Paul Piotrowski presents The Importance of Saving Money posted at Inspired Money Maker.

MoneyNing presents What Drives You to Be Frugal posted at Money Ning, saying, “The reason why I’m frugal is not strictly about necessity. What is the real reason for you?”

The Skilled Investor presents Most Individual Investors Are Poor Personal Portfolio Managers | Personal Investment Management posted at Personal Investment Management, 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.”

Taxes

Patrick @ Military Money presents Free Tax Deadline Extensions for Military Members posted at Military Finance Network, saying, “Tips on how military members can file for a free tax deadline extension.”

Madison presents File an Extension to Lower or Hedge Your Tax Bill posted at My Dollar Plan.

Jacqulyn Richey presents Renewable Energy and Energy Efficiency Tax Credits posted at Las Vegas Real Estate News, saying, “A breakdown of the new and expanded tax credits for renewable energy and energy efficiency upgrades for homeowners. It pays to go green!”

Barb A. Ryan presents Asset Allocation, Investment Asset Tax Location, and Emergency Cash Management posted at Fee Only Financial Planner, saying As you move your cash, bond, and stock financial assets into lower cost, more broadly diversified investment mutual funds and/or ETFs, you should also consider how to locate your investment asset allocation with respect to more optimal taxation. This article will discusses some ideas about where and how to hold your cash assets and how to make emergency cash available.”

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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Comments

Thanks for hosting and including my article TFB.

So many articles to go through this week 🙂

Thanks for including us! Our post is actually titled “How to Stretch Your Budget and Get Free Groceries” rather than “Engineer a Debt Free Life” (EADFL is our blog name.) The link is http://www.engineeradebtfreelife.com/2009/04/get-free-groceries.html

Do you mind updating this in the carnival post?

Thanks!

$ Money Savin’ Momma $
Engineer a Debt Free Life

Thanks for including us! Our post is actually titled “How to Stretch Your Budget and Get Free Groceries” rather than “Engineer a Debt Free Life” (EADFL is our blog name.)

Do you mind updating this in the carnival post?

Thanks!

$ Money Savin’ Momma $
Engineer a Debt Free Life

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