Best Personal Financial Planning and Personal Investment Articles this Week from Personal Finance Blogs
Welcome to the May 30, 2009 Edition #91 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
Barry presents Saving Money At The Amusement Park posted at Associate Money.
The Budgeter presents Let the Bad Press on the Economy Work in Your Favor posted at Keep Your Cash, saying, "The recession, while painful, can help you find bargains when you are out shopping."
Pasadena Financial Advisor presents Financial Planning Reading List posted at Pasadena Financial Advisor, 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
rajeev presents FINANCIAL CRISIS - MORE THAN WHAT MEETS THE EYE posted at Investment and Personal Finance, saying, "This post tells few shocking truth about US financial crisis. It also has a video which encapsulates the view postulated by few on the origin of this crisis which was led by some sinister designs of Fed."
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."
Bank Savings Review presents FDIC is Running Out of Money but You are Safe posted at Bank Savings Review, saying, "FDIC is running out of money for sure but your money is probably still safe even if your bank goes under."
Finance Tips 101 presents Working Out A Family Budget Will Help You Save Money posted at Finance Tips 101.
Dorian Wales presents Stress Tests and Capital Adequacy Explained posted at The Personal
Financier,saying, "The highly anticipated FED stress test results may very well serve as fuel for further gains or, more likely in my opinion, as a sought after excuse for turning the tide (in the short run)."
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
Silicon Valley Blogger presents Best High Interest Savings Accounts In Online Banking posted at The Digerati Life, saying, "Thanks!"
The Smarter Wallet presents Facing A Job Layoff? 6 Tips For Coping With Job Loss posted at The Smarter Wallet.
Tushar Mathur presents How to choose a financial planner posted at Everything Finance, saying, "There's retirement to plan for and college tuition for the kids. Insurance. Estate planning. And, oh, don't forget a wedding for your daughter. If all this sounds familiar, it may be time for you to start shopping around for a financial planner."
Silicon Valley Blogger presents Prevent Identity Theft: Some Credit Report Monitoring Services and Options posted at The Digerati Life
Financing a Home
Tallahassee Real Estate presents Killearn Lakes Unit 1 Home Prices Holding posted at Tallahassee Real Estate Blog,
saying, "A classic example of why most real estate reports are flawed. They lead you to believe that prices are going up or prices are going down, solely based upon the movement of the average sales price. This article shows why it is possible for the average home price to go up,while real home values are dropping."
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."
Financing Education
Jeff Rose presents Buying Property at Auction? What You Need to Know posted at Jeff Rose.
Income
Praveen presents Easy Ways to Generate Cash posted at My Simple Trading System, saying, "Easy ways to generate extra cash"
KCLau presents The Most Common Habit of Rich People posted at KCLau's Money Tips, saying, "About the common habits of the rich"
Investing
FIRE Getters presents What is the Current Inflation Rate? posted at FIRE Finance.
Patrick @ Cash Money Life presents How to compare online brokers posted at Cash Money Life, saying, "Tips on how to find the best online brokerage for your needs."
Zach Scheidt presents Risk and Reward - What the Last 18 Months Have Taught Us posted at ZachStocks, saying, "Balancing returns with proper risk controls will allow investors to realize superior gains over time and cut back on volatility and risk of loss"
ABC presents Investment Time Horizons for Retirees posted at ABCs of Investing, saying, "Discussing investment asset allocations and time horizons for retirees."
Dividends4Life presents Is Now The Right Time To Start Investing? posted at Dividends Value, saying, "Over the last six to eight months, there have been several prognosticators saying the market has finally hit bottom. In most cases they were quickly proven wrong as stocks continued to decline. What’s an investor to do? When is the right time to start investing?"
Frank Vertin presents Just Buy Index Funds Directly posted at No Load Index Funds, 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.".
Darwin presents The Riskiest ETFs on Earth - 3X Sector ETF Short/Long posted at Darwin's Finance, saying, "With investors are enamored by weekly returns in excess of 20%, this article demonstrates the destructive and volatile nature over time of the Riskiest ETFs on Earth - 3X sector ETFs."
Praveen presents Three Stock Picking Ideas From Forbes Magazine posted at My Simple Trading System, saying, "Three Stock Picking Ideas"
ChristianPF presents 3 keys to safe investing posted at Money in the Bible | Christian Personal Finance Blog, saying, "These are three keys that every investor should be following if they are looking for safe and successful investments"
ABC presents Commodities posted at ABCs of Investing, saying, "A brief explanation of commodities."
Alex Fotopoulos presents SPY Chart - 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."
Larry Russell presents 7 Ways to Pick the Best Noload Mutual Funds and ETFs posted at NoLoad 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."
Four Pillars presents Asset Allocation - Include Future Contributions? posted at Quest For Four Pillars, saying, "Can a small investor ignore asset allocation?"
Praveen presents Successful Trading is About More than Generating A Buy Signal.. posted at Stock Trading Riches,
saying, "When buying stocks, your initial purchase is the least important part of successful investing. Your return is determined by how well you manage the trade - i.e. knowing when to add to your position and when to take profits."
ABC presents Warning - Not All Index Funds and ETFs Are Low Cost posted at ABCs of Investing, saying, "Some index funds and etfs are too expensive."
Zach Scheidt presents ZachStocks Podcast 11: Chrysler, Market Pullback, Retail Weakness and Economist Projections posted at ZachStocks,
saying, "Chrysler bankruptcy, market rally pulls back, retail sales figures disappoint, WSJ survey of economists sheds light on recession and eventual rebound."
Richard M. Rothschild presents Low Cost Taxable Bond Mutual Funds posted at Best 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."
Wally 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."
Four Pillars presents Transfer In Kind posted at ABCs of Investing, saying, "An explanation of transfering your investments "in kind"."
Zach Scheidt presents 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."
ABC presents Investment Time Horizons for Retirees posted at ABCs of Investing, saying, "A short and concise analysis of retirement asset allocation possibilities."
Managing Debt
Mr Credit Card presents Credit Cards to Rebuild Credit - Credit Score of 640-680- What Cards Can I Get? posted at Ask Mr Credit Card, saying, "This post gives some suggestions on credit cards to get if your credit score is in the mid 600 area."
nickel presents How to Find the Best Mortgage Rates posted at fivecentnickel.com, saying, "Tips and tricks for getting a killer deal on your next mortgage."
KCLau presents Do You Have a Wedding Debt? posted at KCLau's Money Tips, saying, "Most couples want to begin their married life auspiciously and
free from the problems. However, it is not uncommon to hear about married couples who go into debt just to get married. Article explores the reasons."
Miscellaneous
SpendingIt presents The Three Biggest Opportunities to Save Money posted at Spending It.
Retirement Planning
Patrick @ Military Money presents Roth Option for TSP Close to Reality posted at Military Finance Network, saying, "A new investing option for military members and government employees is about to become a reality."
Risk Management and Insurance
Brian McKay presents Homeowners Insurance: Taking Inventory of Your Possessions posted at MonitorBankRates.com, saying, "Having homeowners insurance or renters insurance is a must if you want to protect yourself from making a bad situation worse in the event of a fire, theft or some other damage to your property."
jim presents Researching Life Insurance posted at Blueprint for Financial Prosperity.
Silicon Valley Blogger presents Lower Your Car Insurance Rates! How To Cut Insurance Premiums In Half posted at The
Digerati Life, saying, "I offer some suggestions and tips for lowering your car
insurance and keeping your car related costs (and budget) to a minimum."
MoneyNing presents 20 Different Areas to Think About for a Cheaper Auto Insurance Policy posted at Money Ning,
saying, "Insurance is something we usually forget, yet we pay quite a bit for it regularly. If you can spend a few minutes and save big, why not?"
KCLau presents Bad Experience of Car Insurance Claim posted at KCLau's Money Tips, saying, "a story of bad experience with vehicle insurance claim"
Savings
KCLau presents Easy Pawn Shops - Do you need to Pawn? posted at KCLau's Money Tips, saying, "Pros and cons of pawning"
Money Saving Advice presents British consumers have New Year resolution to save more money! posted at Money Saving Tips, Consumer Finance, Expert, Advice and Help | Talk Money Blog, saying, "The Financial Times reported that new research commissioned by
the ABI showed that almost fifty percent of British consumers had made this New Year’s resolution to start saving more money for the future."
Four Pillars presents 397 Ways To Save Money - Squawkfox Book Review posted at Quest For Four Pillars, saying, "397 Ways To Save Money - Book review on Squawkfox.com's new release!"
MoneyNing presents How to Save Money on Your Wedding posted at Money Ning, saying, "We go through the big day at least once but many people think it's one of the most expensive days of our lives. Here are some tips that will help reduce the expenses of this important day."
The Skilled Investor presents Most
Individual Investors Are Poor Personal Portfolio Managers | Personal Investment Management 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."
Taxes
MoneyNing presents Let Businesses Deal with Sales Tax - Government Improvement Series posted at Money Ning, saying, "Government really needs to improve on somethings and I say to let businesses deal with sales taxes!"
Barb A. Ryan presents Asset Allocation, Investment Asset Tax Location, and Emergency Cash Management posted at Independent 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."
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