Carnival of Financial Planning

by Dual Income No Kids on December 12, 2009 · 0 comments

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

Carnival of Financial Planning – Edition #119 – December 11,

Welcome to the December 11, 2009 Edition #119 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
, Editor


Allan Inocente presents 7 Ways to Celebrate Christmas Without Breaking Your Piggy Bank posted at Rich Money Habits, saying, “Christmas is just around the corner. With all the 13th and 14th month pays being given just before the month of December, everyone enjoys his own “extra” jolt of cash. Suddenly, people have money to spend. Protect your money from unnecessary spending. Discover 7 Ways to Celebrate Christmas Without Breaking Your Piggy Bank!”

Four Pillars presents Get
Out Of Debt With YNAB – You Need A Budget Financial Software Review
posted at Quest For Four
, saying, “Indepth review of You Need a Budget

Estate Planning

Jeff Rose presents Your Estate Planning Checklist posted at Jeff Rose.

The Financial Blogger presents Estate Planning: 5 Reasons Why You Should Have A Professional Among Your Liquidators posted at The Financial Blogger, saying, “managing an estate is more complicated than simply writing a few checks! Fortunately, for those who can afford it, you can name a professional among your liquidators.”

Financial Planning

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.” 

Roshawn Watson presents Are
Wealthy People Dishonest?
posted at Watson Inc, saying, “Are the wealthy dishonest? While it is certainly a fair question, it is also a polarizing one. The typical dichotomy is that there are some who feel like there is absolutely no way for honest people to get ahead financially while the wealthy often feel maligned
for their prosperity.” 

RJ Weiss presents Roth IRA Contribution Limits for 2009 and 2010 posted at, saying, “December is a great time to review the Roth IRA contribution limits for the current and upcoming year. Why? As a member of Gen Y, there are only so many years you will be allowed to contribute to a Roth IRA.”

20smoney presents 5 Stages of Financial Growth posted at 20s Money, saying, “Five stages of financial growth detailing the progression from debt to savings to building assets to living off your passive income.”

Super Saver presents Spending because of Stimulus Money? Not Us. posted at My Wealth Builder, saying, “Although we qualified for the Cash for Clunkers and the new Home Buyer’s Credit program, we passed on on participating, for one simple reason — if we needed it, we would have already bought it.”

Susan Saverton presents Investment Asset Allocation posted at Financial Planner Pasadena, saying, “Set your personal investment asset allocation according to your personal tolerance for investment risk. Allocated percentages to asset classes would tend to slowly change with the years, and thus it is key to decide correctly from the beginning.”

Financing a Home

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

Roshawn Watson presents Should You Buy A House Outright? posted at Watson Inc, saying, “Suppose you find yourself in the somewhat unique predicament of having the resources to purchase your house outright without a mortgage. Is it then financially-wise to make the purchase?”

Financing Education

Praveen presents Will Education Follow the Housing Bust? posted at My Simple Trading System, saying, “Tips for students to avoid excessive loans and debt”

FIRE Getters presents What is the Current Unemployment Rate? posted at FIRE Finance.

Angela Martin presents College Admission Fincance Blogs posted at Online

Health Care

Jeff Rose presents What’s
the Best Health Savings Plan For You?
posted at Jeff Rose.

Patrick @ Military Money presents Open Enrollment Window Open for Some posted at Military Finance Network, saying, “Open enrollment is the only time of the year that many people are able to make changes to their health insurance elections. Make sure you take advantage of this time to select the best health care option for your needs.”

Patrick @ Cash Money Life presents Open Enrollment Health Insurance Options posted at Cash Money Life, saying, “what you need to know about the common health insurance options available from most employers during the open enrollment season.”


Dividend Tree presents Three
Companies with Sustainable Dividends
posted at Dividend Tree, saying, “Even in soft economic environment, there are companies out there that are continuing to increase dividends for their shareholders. While dividend increase is good, it is more critical to make sure we understand that companies can sustain their dividends.”


Paul Kamp presents The Outperformance of the Big posted at Don’t Quit Your Day Job – Personal Finance, Economics and Investing, saying, “Lost in the recovery: the fact that big, safe companies are outperforming anything speculative.”

Dividends4Life presents 11 Dividend Stocks Giving You More To Spend posted at Dividends Value, saying, “You can’t spend earnings! At first glance, this may seem like an odd statement. However, it is an important axiom for all types of investors. Through fraud and manipulation financial statements can be
made to look quite impressive, but the cash that arrives in your brokerage account is real.”

Mike Piper presents Imputed Rent: Calculating Return on Home Purchases posted at The Oblivious Investor, saying, “How do you calculate the return on the purchase of a home if you use it yourself rather than renting it out?”

Engelbert Hudson presents Definitive Guide To Coffee ETFs: Coffee ETF Investing 101 posted at ETFdb.

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.”

Zach Scheidt presents Blackstone Sees Improving Trends posted at ZachStocks, saying, “The Blackstone Group, LP (BX) reported earnings and the stock is trading sharply higher. The environment is improving for the private equity company as liquidity and risk premiums increase.”

Praveen presents Just
Bought Hyatt Hotels (H) posted at My Simple Trading System,
saying, “About Hyatt’s recent IPO and why its a good stock.”

MoneyNing presents How to Get Your Wife to Invest posted at Money Ning, saying, “Talk and discuss. Learn how to get your significant other to invest!”

Jules Wells presents Best Strategy for Investing posted at Personal Financial
Planning Software
, saying, “Investing often seems almost unfathomly complex, however your bestinvestment strategy will tend to be a simple and straightforward investing strategy.”

The Smarter Wallet presents Scottrade Review: Best Online Brokerage posted at The Smarter Wallet, saying, “On scottrade, a popular stock brokerage.”

Larry Russell presents Best No Load Mutual Funds posted at Best No Load Mutual Funds, saying, “Don’t bother to frantically move your assets from one mutual fund to another or from one ETF to another. Investment research has repeatedly showing academic studies that performance chasing is a bad strategy the most ofter will yield inferior returns.”

Zach Scheidt presents Netsuite Investors Begin to Doubt Growth posted at ZachStocks, saying, “Netsuite Inc. (N) has seen revenue growth trend significantly lower. The cloud computing technology firm is trading at an excessive price given its growth prospects and the aversion to risk we are seeing in the market.”

Tomas Escent presents Investment Trading Strategy posted at Nerds on Wall Street, saying, “A Hitchhiker’s Guide to Wired Markets. In this funny financial book, there are no robots parking your car millions of times, however, right now in milliseconds robots trade millions of shares.”

Frank Vertin presents Index Stock Funds posted at Best Index Funds, saying, “When you buy an S & P 500 index mutual fund through a broker or investment advisor you can increase substantially your purchasing costs, while you drive up your recurring annual expenses through asset management and other fees. Financial advisors most often will not recommend to buy index mutual funds with very low fees. No load, low cost index mutual funds don’t pay financial brokers and
advisors nearly as well as front loaded, high fee, active mutual

The Financial Blogger presents Note to Myself: Key Points to Investing During a Bear Market Part1: Remember High Yield Bonds posted at The Financial Blogger, saying, “This is what I am doing with the recent market crunch of 2008. Some people generated amazing returns by taking little risk. Here’s how they did it: The Skilled Investor presents Low Cost Investment
posted at Personal
Financial Investments
, saying, “Investment costs which are clearly measured, like fees deducted on your monthly investment statement. Most investors are no aware of opportunity costs that arise from sub-optimal investing practices. Opportunity costs like these are much greater than more costs and  investment fees that show up on their statements.”

Managing Debt

The Dough Roller presents 0% Balance Transfer Offers–A Big List of 0 APR Balance Transfers posted at The Dough Roller, saying, “The most comprehensive list of 0% balance transfer offers you find on the Internet.”


Tom @ Canadian Finance Blog presents 10 Ways To Reduce Your Cable Or Satellite TV Bill posted at The Canadian Finance Blog, saying, “With the majority of households looking for ways to cut their expenses, television might be the first non-essential bill you’ll want to look at. Fortunately there are a few ways to save money on your television bill.”

Frank Knight presents Stop Identity Theft posted at Best Financial Planning Software, saying, “You need to be proactive and take easy steps to prevent becoming a victim of identity theft. Identity theft is increasing dramatically and it takes a huge amount of time to clean up the mess once you get hit with identity theft.”

Dorian Wales presents A Temple Restaurant and a Clearing House for Tickets – Two Observations of New York City posted at The Personal Financier, saying, “New York City is my favorite destination in the world. Any opportunity to visit again, whether on business or pleasure is a joy. With each visit a new light is shed on some other aspect of the city. I’d like to share two such spotlights with you.” (Editor’s note: Dorian is right about Peter Luger. Best steakhouse around.)

No Load Bond Funds presents Bond Mutual Fund posted at Bond
Index Funds
, saying, “There is not good reason to invest in bond mutual funds and ETFs with higher fees. Pick the lowest cost broadly diversified index mutual funds and get better results and more sleep.”

Susan Saverton presents Personal Investment Plan posted at Family Financial Planning, saying, “You need a system that is efficient with respect to your time and your costs, when to develop, implement, and track a personal investment plan.”

Retirement Planning

FMF presents Free Money Finance: 2010 Roth Conversion: Factors to Consider Before Making a Decision posted at Free Money Finance, saying, “Thoughts on whether or not to convert to a Roth IRA.”

Jeff Rose presents What are Deferred Compensation Plans? posted at Jeff Rose.

Super Saver presents Why I Consider Myself Retired posted at My Wealth Builder, saying, “Since I retired while still in my forties. I know that some people questioned whether it was really a retirement or whether it was just simply a job resignation, followed by unemployment.”

BWL presents The New Savage Number | Review posted at Christian Personal Finance, saying, “A quick review of Terry Savage’s new book…”

Frank Knight presents Roth Retirement Accounts posted at Financial Planner Software, saying, “One of the most complex personal financial decisions is whether to invest in a Roth IRA or Roth 401k versus their traditional retirement account alternatives. For most people, Roth accounts do not make sense financially. For a minority, they are a good deal, but you need sophisticated financial lanner software to do the analysis for yourself.”

PT presents 10 Reasons to Get Off Your Butt and Start a Roth IRA posted at Prime Time Money.

Top Stock Mutual Funds presents Stock Mutual Funds posted at Top Index Funds, saying, “This article discusses the 10 ten very low cost stock index mutual funds that track the Standard and Poors 500 large capitalization
stock index.”

Risk Management and Insurance

jim presents Finding Affordable Self Employed Health Insurance posted at Blueprint for Financial Prosperity, saying, “As a self-employed person, finding affordable and reputable medical insurance can be a big challenge.”

Patrick @ Cash Money Life presents Save Money on Auto Insurance Rates posted at Cash Money Life, saying, “Tips on how to save money on your auto insurance rates, including multi car discounts, multi-line policies, defensive driving courses, and more.”

Patrick @ Military Money presents COBRA Benefits 2009 Economic Stimulus Recovery Act posted at Military Finance Network, saying, “The 2009 Economic Stimulus Plan includes additional COBRA and unemployment benefits.”


FMF presents How to Get Consumer Reports Online Access for Free posted at Free Money Finance, saying, “A simple yet effective way to save on a great online resource.”

Four Pillars presents $8,000 Credit For First-Time Homebuyers Extended 6 Months – Not Increased To $15k posted at Quest For Four Pillars, saying, “Home buyers credit extended 6

Lisa Taylor presents 20 Under $5 Tips to Improve Your Cars Gas Mileage posted at Top Online Engineering Degree.

MoneyNing presents 10 Reasons to Have a Library Card posted at Money Ning, saying, “Library is still one the best way to spent your time. Here are 10 reasons why you want a library card.”

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

KCLau presents Caring for the Elderly posted at KCLau’s Money Tips, saying, “Problems faced by the elderly”


FMF presents Free Money Finance: Preparing For The Death Tax Debate posted at Free Money Finance, saying, “The great estate tax debate wages on…”

Darwin presents FICA Tax Rates 2009, 2010 – How They Work and Why They Matter posted at Darwin’s Finance,
saying, “The FICA Tax – What is it and why’s it matter? This article outlines FICA limits and how shifting income into or out of the current tax year could easily save you thousands of dollars in taxes.”

FMF presents Fourteen Tax Management Techniques posted at Free Money Finance, saying, “Tips for saving on taxes.”

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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