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Carnival of Financial Planning – Edition #240

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

Welcome to the June 9, 2012 Edition #240 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 Investor, Editor

Budgeting and Economics

Miss T. presents Small Money Mistakes that Have Big Consequences posted at Prairie Eco Thrifter, saying, ” It is often the little things you do, the small actions you take, that have the biggest impact on your financial security, both in the present and in the future. Of course, this concept is true whether the little things are positive or negative.

A Blinkin presents Simple Steps To Grow Your Business posted at Funancials, saying, ” As your business starts succeeding, you should look at what the next level is. This can encompass a whole range of things, from moving out of the house and into a real shop, or even just making your existing business look more professional and function more streamlined.

Daisy presents It’s Not Necessary To Pay For Your Kid’s College Education posted at Add Vodka, saying, “This does not reduce the accomplishments of those who had their parents pay for college for them, nor is it meant to be a compare/contrast of people that pay for their own.

Janet presents Expense budgets posted at Independent Financial Planner , saying, ” Many people do not track their living expenses and do not understand the magnitude of their consumption.”

Financial Planning

Miranda presents Funding Your Small Business posted at Wallet Hub Blog, saying, “Finding money for a small business can be difficult right now, with the economy struggling, and many banks reluctant to take a chance on small businesses. If you are looking for sources of income for your small business, here’s where to start

Jason presents Things to Consider With Your Relationship and Money posted at Work Save Live, saying, ” Your Relationship and Money A lot of couples fight about money.

Crystal presents Getting Excited about FINCON12 But Nervous Too… posted at Budgeting in the Fun Stuff, saying, ” The Financial Blogger Conference 2012 is going to be awesome, but I am already nervous about speaking. This will make FINCON12 a bit more stressful for me.

Corey presents Cost of Being in Someone Else’s Wedding posted at 20s Finances, saying, “Do you have any close friends getting married soon? Have they asked you to be in their wedding? Do you know how much it will cost you to say yes? I was in a friend’s wedding in December and will be in another wedding in June. Between those two weddings and having 3 other weddings to attend in the next few months, I have weddings on the mind.

Amanda L Grossman presents 20 Ways to Spend Money On and Off Board a Cruise posted at Frugal Confessions, saying, “I am fresh off the ship of the first cruise I have ever taken.

Johnny presents Investment education  posted at Personal Finance and Planning , saying, ” 99+% of the financial information that is easily available through the media and the Internet is: self-interested and biased, superficial and non-implementable, historical in nature or just current “noise” reporting without any actionable utility, and/or poorly researched, just plain wrong or unmitigated rubbish.”

101 Centavos presents How To Painfully Save Hundreds of Dollars a Year posted at 101 Centavos, saying, ” While we’re off on vacation, I’m recycling.

Eddie presents 35 Money Lies People Tell Regularly posted at Finance Fox, saying, “Men supposedly lie six times more per day than women, and when someone tells you, be a man or a woman – Nothing is wrong, I’m OKAY -, they’re really lying to your face.

Franklin presents Passively Funds posted at Investor Strategies, saying, “On average, higher mutual fund turnover is far more likely to result in lower investment fund performance — instead of superior risk-adjusted performance.”

Luke presents Are Investors in the PIMCO Total Return Fund Missing Out? posted at Learn Bonds, saying, ” The PIMCO Total Return Fund is Underperforming PIMCO’s new BOND ETF. Are PIMCO Total Return Fund Investors missing out?

Don presents Alpha Returns posted at Wall Street Financial Engineering , saying, “For typical individual investors, without special access to information, it offers what is likely the best financial advice they will ever get: It is hard to consistently beat the market, especially after fees. A passive strategy will do better in the long run. ”

John presents Creflo Dollar, Joel Osteen and the Prosperity Gospel posted at Married with Debt, saying, ” Preachers like Creflo Dollar and Joel Osteen are leading figures in the prosperity gospel movement. What is it, and is it right?


Jeremy presents Overcoming Unemployment Challenges posted at Modest Money, saying, “As many of you know I’ve been unemployed the whole time I’ve been running this blog. Now find out about the struggles I’ve had to overcome to rejoin the world of the employed.

YFS presents Rental Property #3 Numbers Analysis posted at Your Finances Simplified, saying, “As I told you guys in the last post, I’m going to give you the actual break down of my current and future rental property purchases.

Martin presents Can You REALLY Start a Business With $100? posted at Studenomics, saying, “How to start a new business without tons of capital.

Insurance and Risk

Stephen presents Do You REALLY Need Life Insurance? posted at NerdWallet, saying, ” If no one depends on your earning capacity, you most likely do not need life insurance. That’s the fundamental rule by which to make your decision.

Evan presents Trying to Understand Long Term Care Insurance posted at My Journey to Millions, saying, “While I am entirely too young to consider Long Term Care Insurance considering I don’t think many carriers sell individual policies for people under the age of 40,I have been giving it a lot of thought recently.

Lawrence presents ID theft protection posted at Best Financial Planner, 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.”

Jeff Rose presents Protection For Your Home – Is Mortgage Life Insurance Worth It? posted at Life Insurance By Jeff, saying, “While your house is most likely your biggest asset, does that justify paying the extra premiums to have a mortgage life policy? Does the added cost really give you the protection you need?


Jeff Rose presents Best Short Term Investments For Your Money Right Now posted at Good Financial Cents, saying, “In such an unstable market, short term investing may be a safer alternative for investors. Short term investing allows investors to invest their money with little or no risk, while knowing their money is not going to be tied up for long periods of time.

Pinter presents No Load Bonds posted at Cheap Bond Funds, saying, “Investment research overwhelmingly shows that lower cost fixed income funds tend to yield higher bond investing returns.”

Sustainable PF presents Canadian Dividend Stocks: Brookfield Renewable posted at Sustainable Personal Finance, saying, ” Many investors are looking to Canada as a source of investing opportunity that are a little more eco-friendly than their competitors like Brookfield Renewable Energy Partners.

TSI presents Morningstar Ratings posted at The Skilled Investor , saying, ” Individual investors and their advisors appear to make investment decisions that are heavily influenced by the Morningstar Rating system. Because the stars are very widely used and often misunderstood, these are articles to help investors make more rational decisions about the stars.”

Pierre presents Teaching Your Kids To Become Great Investors posted at Intelligent Speculator, saying, ” Do you teach your kids about money?

Div Guy presents Canadian Aristocrats; They Have it Too posted at The Dividend Guy Blog, saying, “What sort of stocks are you investing in?

DL presents Global Financial Markets  posted at Nerds on Wall Street , saying, ” Stock markets are almost perfectly transparent, with full information available to all, and the best electronic clearing and settlement in history. These technologies were omitted in building the skyscraper of cards (“house of cards” seems too mild) out of collateralized debt obligations (CDOs), credit default swaps (CDSs), synthetic collateralized debt obligations (SCDOs), and the rest.”

W presents A Speculative Alternative To Investing Part 1: Goals posted at Off-Road Finance, saying, ” A long term speculative trading system for those who want to avoid conventional investing.

Managing Debt

Maria presents Four conditions under which cash loans may not be such a bad idea after all posted at The Money Principle, saying, ” Before I go on and set out the four conditions under which, I believe, cash loans may not be a bad idea let me tell you a story.

Mike presents Why Cash Back Beats Travel Rewards posted at Rewards Cards Canada, saying, ” A free vacation keeps many Canadians loyal to their travel rewards program, but for me, cash back is king. Here’s why cash back beats travel rewards

Mike presents Best Cash Back Credit Cards posted at Rewards Cards USA, saying, “If you are looking for some solid choices when it comes to cash back credit cards, here are a few of the best options for getting money back

Echo presents Home Equity Line Of Credit: Friend Or Foe? posted at Boomer & Echo, saying, ” A home equity line of credit has its advantages, but be cautious. Easy access to credit and loose repayment terms can make HELOC’s very dangerous.

Real Estate

Suba presents Our House On The Market: Month Three posted at Broke Professionals, saying, ” We’ve now had our house on the market for three long months, and I’m losing faith. We’re dropping the asking price, but I wonder whether it’s enough to get it sold.

Wayne presents Should You Hide Money From Your Spouse? posted at Young Family Finance, saying, “A recent study showed that many partners or spouses hide money from their significant other. Is it okay to hide money from your spouse?


Hank presents Harnessing The Power Of Compound Interest posted at Money Q&A, saying, ” There is a power of compound interest that both savers and investors need to understand and harness in order to grow their wealth.

Brock presents Retirement Spreadsheet posted at IRA Account Investment, 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.”

PITR presents Reasons Why People Don’t Follow Their Dreams posted at Passive Income To Retire, saying, “Find out why people fail to realize their dreams. Why do people fail? Why do people give up on their dreams?

Knowles presents SandP 500 Funds posted at Large Cap Index 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.”


John presents Why You Should Think Twice Before Hitting a Toll Road in a Rental Car posted at Wallet Blog, saying, “One would think you would have to go through the Phantom Toll Booth to pay a phantom toll fee. Sadly, that is not the case, and the unsuspecting consumer is getting hit with unreasonable toll charges when driving a rental vehicle. Are these costs avoidable?

Freedom presents Savings Rates posted at Financial Freedom Plan , saying, ” Understand how your current savings rate and retirement withdrawal rate would affect all of your lifetime personal financial planning goals ”

Liana presents What to Make of the New Capital One Daily Deals Program posted at Card Hub, saying, “Move over Groupon and Living Social! Capital One is taking the stage with one of its newest programs. See what your credit card can do for you when it comes to saving money at places where you already spend!


FMF presents The Eight Tax Rules posted at Free Money Finance, saying, ” In this article are eight rules that I recommend you follow in dealing with taxes. The first four are principles that you should adopt, and the next four are specific areas of competency that I recommend you develop.

Monroe presents Roth Conversions posted at Do-It-Yourself Finance , saying, “Key to you making a better decision about your lifetime Roth account contribution and asset conversion strategy is the need for a sophisticated financial planning software tool.”

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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