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Carnival of Financial Planning

by Jeff Rose on February 18, 2013 · 0 comments

We’re excited to be hosting the Carnival of Financial Planning – a collection of some of the best written articles in the blogosphere.

Enjoy and bookmark some of these great reads….

BUDGETING AND ECONOMICS

Jules Wilson @ Fat Guy,Skinny Wallet writes Would You Believe More Car Trouble? – I’m sitting here at my mechanic’s shop once again. Yes, my car has overheated again!

Jules Wilson @ Faithful With a Few writes Would You Be Willing To Move To Another Country – My wife and I would watch this show sometimes and think about whether we could really pick up and move to another country. I couldn’t imagine going about my life in the U.S. and then waking up one day and trying to find a home and establish a new life in a new place.

John @ Card Hub Blog writes Ask the Experts: Where Do We Get Our Spending Habits From? – Are our spending habits learned, and if so, from where?

John @ Card Hub Blog writes Is the Consumer Financial Protection Bureau in Jeopardy? – This is a really big deal because the issue will ultimately make its way before the Supreme Court. If it upholds the Appeals Court’s decision, that could serve to nullify the aforementioned appointments, which raises the question among many experts as to whether numerous CFPB rulings and the more than $425 million in enforcement actions the organization has levied against financial companies thus far would also be put in jeopardy.

Lynn @ Wallet Blog writes Punting your Cable TV Bill – You can cancel your cable and fill the void with alternative TV-entertainment options While this is not an exhaustive list, it might meet your entertainment and budgetary requirements.

John @ Card Hub Blog writes Ask the Experts: Where Do We Get Our Spending Habits From? – Are our spending habits learned, and if so, from where?

John @ Card Hub Blog writes Is the Consumer Financial Protection Bureau in Jeopardy? – This is a really big deal because the issue will ultimately make its way before the Supreme Court. If it upholds the Appeals Court’s decision, that could serve to nullify the aforementioned appointments, which raises the question among many experts as to whether numerous CFPB rulings and the more than $425 million in enforcement actions the organization has levied against financial companies thus far would also be put in jeopardy.

John @ Card Hub Blog writes Is the Consumer Financial Protection Bureau in Jeopardy? – This is a really big deal because the issue will ultimately make its way before the Supreme Court. If it upholds the Appeals Court’s decision, that could serve to nullify the aforementioned appointments, which raises the question among many experts as to whether numerous CFPB rulings and the more than $425 million in enforcement actions the organization has levied against financial companies thus far would also be put in jeopardy.

Edgar @ Degrees and Debt writes Saving Money on Gas via Shopping Programs – How to use shopping programs to save money on gas

Steve @ 2014 Taxes writes Filing Taxes with TurboTax Canada – TurboTax Canada is designed to make filling less of a challenge no matter who you may be.

Martin @ Studenomics writes How You Can Be Your Own Travel Agent For Your Next Epic Trip – How you can finally plan an escape.

Robert @ Entrepreneurship Life writes Employer Taxes You Have to Pay if You Hire – Here are some of the taxes you have to pay when hiring additional staff.

Robert @ Kids Ain’t Cheap writes Is Junk Food Tax the Answer to Childhood Obesity? – This post isn’t about Weight Watchers or whether or not I agree with young children doing a structured diet program, I’m looking into WHY an 11-year-old would need such a program.

JP @ My Family Finances writes Net Worth TV on How All Business Can Leverage the Global Economy – Here at Net Worth TV with Terry Bradshaw we look at and discuss all aspects of business. Today lets look at how you can leverage the global economy.

Mary Rhodes @ Fine Tune Finances writes Are you Saving Money Just to Save? Or are You saving With Purpose? – Human nature dictates much time and money is wasted when we don’t have a goal. This also applies to our financial life, in short your goal your reason for saving, or purpose. If you are saving money just to build up a bank balance you are not likely to be successful at it.

Alice @ Hurricanes, Panties & Dollars writes Shopaholics are like Superheros – I ended up spending around 9 hours shopping (with an official shopaholic) by my side. When I finally got home, I was freakin’ exhausted; not to mention broke as…

Grayson @ Debt Roundup writes The First Step to Recovery is to Admit You Don’t Have a Budget – When you have any problem, the first step to recovering is to admit the problem. The same goes with money. The first step to getting your finances in order is to admit that you don’t have a budget.

John @ Card Hub Blog writes Ask the Experts: Caring for Pets Without Breaking the Bank – Identify the factors that drive the cost of pet care, examine saving tips, and identify the most efficient ways to help your favorite animal charities.

Mike @ The Financial Blogger writes Do You Donate Money to Charity? – What are your thoughts about charities?

 

CAREER AND INCOME

KK @ Student Debt Survivor writes Chained to Your Work? – Do you ever feel like you’re chained to your work? Can you be chained to your work if you’re not a, “big earner?”. I think so.

Emily @ PT Money Personal Finance writes Twenty Best Part-Time Jobs with Benefits – It might be more difficult to find companies that will offer benefits to workers, especially with the upcoming changes with the Affordable Care Act, but we know of 20 companies who do.

Jacob @ My Personal Finance Journey @ My Personal Finance Journey writes Is Self-Employment More Secure than a Job? – This post discusses how it may seem counter intuitive that self-employment is more secure than a job, but with the deterioration in the job market in recent years, that may in fact be the case. It’s not so much that self-employment has become more secure, but rather that traditional jobs have become less so.

Mike @ The Financial Blogger writes Part4: Investment Strategies To Make Over $200 With Your Newsletter THIS Year – A strategy worth trying out for your newsletter.

Amanda L Grossman @ Frugal Confessions writes My Frugal Resume: Contributing to Our Household’s Finances in More Ways than Earning – It’s no secret that I enjoy funneling as much of our income as possible into our savings accounts.

SFB @ Simple Finance Blog writes 4 Money Management Tips For College Graduates – You have just graduated from college, and you are about to join the working class. Here are 4 Money Management Tips to set you up on the right path.

Daniel @ Sweating the Big Stuff writes What Was Your First Passion Project? – My first passion project was my blog that I worked on for 40 hours a week while bored at my day job. What was yours?

Ted Jenkin @ Your Smart Money Moves writes How To Read Your Investment Statements – You have a college degree from a good four year school. Perhaps you went on to get an MBA from a fantastic post graduate program.

CAPI @ Creating a Passive Income writes Playing the Inheritance Game for Passive Income – When it comes to inheriting money, there is no other way to do less, or in some cases, more work for what will be considered a passive income. For those who are blessed to be part of a family that has a fortune to pass on, then your entire job in life becomes maintaining your place to inherit the goods.

Jen @ PF Carny writes Steps to Determine If You Are Ready to Open Your Own Business – If you are working for “the man” at a 9 to 5 job, you may dream of nothing more than venturing out on your own and being your own boss. This is the true American dream, and in this age of the Internet, it has become a reality for many people.

Edgar @ Degrees and Debt writes Side Jobs: Snag A Job Review – Review of website SnagAJob to obtain a side job for diversifying income streams.

Lynn @ With the rising cost of higher education, MOOCs are likely to become a bigger deal as states seek new ways to increase enrollment while limiting costs writes MOOCs: Worth a look for free higher education – With the rising cost of higher education, MOOCs are likely to become a bigger deal as states seek new ways to increase enrollment while limiting costs.

 

DEBT AND CREDIT

Greg @ Club Thrifty writes My Credit Score: Why I Don’t Care and You Shouldn’t Either – Worried about your credit score? Don’t be. The credit score is one of the most deceptive tactics that lenders use to control your behavior. Here’s why.

Jason Hull @ Hull Financial Planning writes Rewards Credit Cards: My Interview With PT Money’s Philip Taylor, Michael Pruser, and Jason Steele – This interview with the PT Money team of credit card experts covered responsible credit card usage, travel rewards cards, and cash back rewards cards. We also took audience questions during the webinar and answered them, such as what to do now that you can’t buy dollar coins from the U.S. Mint using your rewards credit cards.

Scott Skyles @ Mortgage1a.com writes How to Get Rid of Private Mortgage Insurance – Whether you’re a first time home buyer, or simply upgrading to a larger home, if you don’t have enough equity in the property, you’ll need to pay private mortgage insurance (PMI).

Jacob @ My Personal Finance Journey @ My Personal Finance Journey writes Are $300,000 Worth Of Medical School Student Loans Worth It? – This post discusses whether or not attending medical school, which comes with a price tag of up to (and in some cases over) $300,000 worth of student loans, was the right choice for one couple and if it is the right choice for you in your current state of financial planning.

Jon Haver @ Pay My Student Loans writes 5 Repayment Options To Consider – Besides the total amount of your student loans, you’ll want to know what you can expect in terms of a repayment plan. This is one of the most important pieces of homework you should do when you decide to take out any educational loan. You might be tempted to push off thinking about repayment options – after all, they seem so far away in time – but the reality is, graduation day will arrive faster than you think, or you might be paying off some of the loan during school. Whether you have

Joe @ Midlife Finance writes Money Secrets – Have a bad money secret in your life? Confessing feels great…but what are you doing to make it better? (Feel free to comment anonymously — we’re all friends here.)

Little House @ Little House in the Valley writes Recognizing Financial Patterns – The other day I had a moment of clarity; I was speaking to someone as interested about personal finance as myself, and realized I keep repeating a bad pattern. Until that moment, I hadn’t been able to see the pattern or even acknowledge that I had a repeating financial pattern.

 

INVESTING AND SAVING

Mr.CBB @ Canadian Budget Binder writes Financial Advisors 101~Get The Inside Scoop – Know the right questions to ask your financial advisor so you are an informed investor. You are in charge of your personal finances so ask the right questions to get the answers you need to make informed decisions.

Dividend Growth Investor @ Dividend Growth Investor writes Four Consumer Stocks for a 2013 Economic Expansion – With the continuing rebound of the global economy for a fourth consecutive year, corporate revenues and profits are at record highs. US multinational corporations, which have substantial operations abroad, are very well positioned for the expansion in the number of middle class consumers in the developing markets.I expect the following companies to benefit from the rise of the middle class in emerging markets due to their strong brand names and because of their status.

Matt @ Dividend Monk writes The Comprehensive Guide to Index Funds – A thorough overview of index funds, including the advantages and disadvantages, and some specific funds to consider.

Michael @ Financial Ramblings writes Required Minimum Distribution: Who, What, When, and How Much? – This past year, my parents almost forgot to take their Required Minimum Distributions. Fortunately, they remembered before it was too late and avoided any penalties, but it was a close call. In this post I provide an overview of the RMD as well as the penalties associated with skipping it.

Crystal @ Budgeting in the Fun Stuff writes Why I Use a Credit Card (And How To Leverage Yours) – If you can’t be disciplined enough to pay off your balance in full every month, then you probably shouldn’t have a credit card. But it works for me.

Roger Wohlner @ The Chicago Financial Planner writes 4 Signs of a Lousy 401(k) Plan – It is important that you make the most of any workplace retirement plan available to you. New required disclosures about the costs of the plan and the underlying investments were introduced in 2012 and are a good start. However, 401(k) plans are still a mystery to many of the workers who participate in them and sadly to many of the employers sponsoring these plans. Here are 4 signs that your 401(k) plan might be lousy.

Marvin @ Brick By Brick Investing writes Selling Options — How To Start Your Own Casino – A brief description detailing the benefits of selling options.

Ashley @ Money Talks Coaching writes Video: Reaching Your Goals – Hey there! I have another video for you today. Today I’m reviewing a great tool I’ve been using that will help you reach your goals.

Tushar @ Finance TUBE writes Our Top 3 Financial Tips for Generation Y – Today I will be talking about Top 3 Financial Tips for Generation Y. Gen Yers are often being perceived as an unmotivated and entitled. It may have something to do with incredible amount of things that they want to have.

Luke @ Learn Bonds writes The 10 Year Treasury: Where to Next? – Here is my 10 year treasury rate forecast for 2013. A look back at where we have been, the recent rise in the 10 year treasury rate, and where we are headed.

Jon the Saver @ Free Money Wisdom writes Start a Pension Early to Prepare for Retirement – Start investing now if you want to retire someday. It’s too serious of a subject to ignore for that many years.

Invest It Wisely @ Invest It Wisely writes Weekend Reading, Winter Edition – The forest is situated south of the Loch Achray Hotel.

Wayne @ Young Family Finance writes Money and Relationships: Some Advice to Keep in Mind – Talking about money with your spouse can be difficult, but it doesn’t have to be. There are many successful strategies to broach the topic.

Pete @ Intelligent Speculator writes Cable Companies Are In Big Trouble – The future of cable companies could be scary.

Div Guy @ The Dividend Guy Blog writes Are You an Investor or Are You a Failure? – What’s your take? What’s the number one factor that will make you a good investor?

Maria @ The Money Principle writes My Father’s only investment – My Dad made only one investment in his life: my education.

Corey @ 20s Finances writes Five Ways to Achieve Your Financial Goals – Very rarely do I meet someone who doesn’t care about achieving financial success. Simply put, everyone wants to have more money than they know what to do with. Who doesn’t right? That’s why so many people waste their money on lottery tickets. Yet, as we all know, very few achieve this goal. But, it isn’t for a lack of trying.

Tony @ We Only Do This Once writes We Are All Experts – Many people have spent a ton of life energy in a quest to discover their passion. And for many of them, once they found it, that was enough. Finding the thing that lights them up inside satisfies the quest. But some people want more than that—they want to live their passion.

Eddie @ Finance Fox writes Why is Printer Ink Expensive? – Why is printer ink expensive? While all other IT manufacturers are fighting for market share, ink jet providers keep ripping the consumers off.

Robert @ The College Investor writes How to Play the Housing Market Rebound – There are a lot of signals pointing to a housing rebound. For many of the same reasons that the municipal bond market is going to rebound, the housing market should also be rebounding. The biggest is the gap between supply and demand.

Mike @ Personal Finance Journey writes Liability in a car accident – Simple easy tips on liability in a car accident to help you minimize your financial loss and keep on the financial journey.

Jennifer Lynn @ Broke-Ass Mommy writes $100 Giveaway!! Finding your loved one the right gift at the right price. – Finding your loved one that right gift at the right price! Perhaps my giveaway can help?

Tushar @ Earn More and Save writes Getting Engaged? Be Sure that Ring Is Covered – Getting or giving an engagement ring is a special moment. It symbolizes a promise of two people to make a life together.

Super Saver @ My Wealth Builder writes Low Cost Portfolio Management – Here are some low cost options for managing portfolios in investment accounts.

PPlan @ Provident Plan writes How to use stoplosses and limits in spread betting – If you’re a novice in spread betting or any other form of trading, one of the biggest anxieties you probably have is losing money.

Robert @ My Multiple Incomes writes Principles of Portfolio Optimization – This article will help you get to grips with the jargon and tools available to assist you in optimising your own portfolio.

A Blinkin @ Funancials writes 99 Problems: Are You a Sort-Of Good Saver? – You may remember me (and other bloggers) mentioning the $999.99 giveaway. Believe it or not, the dollar amount is not completely random. There is a purpose for it.

Suba @ Broke Professionals writes How to Watch Your Expenses Like a Hawk – You’ve heard it before, saving money – like losing weight – is as simple as watching your inputs and outputs.

MR @ Money Reasons writes 2013 Late To The Stock Market Strategy – I’m going to share my Late to the Stock Market Strategy that I’m hoping will make 2013 a block buster year for me!

BARBARA FRIEDBERG @ Barbara Friedberg Personal Finance writes HOW TO MEASURE RISK & PROTECT AGAINST IT – Measure investment performance, investment risk, & protect against investment risk.

Michelle @ The Shop My Closet Project writes Dear Mr. Postman – For the last few years I’ve noticed that the U.S. Postal Service has been having some difficulties. With the introduction of the internet people have embraced online banking, e-filing, and basically internet everything. We get our bills sent to us through e-billing and it’s a good thing because using less paper is good for our forests.

Hank @ Money Q&A writes Ten Ways To Break Your Texting While Driving Habit – There are ways that you can can work to break your texting while driving habit. As you drive, consider when you become bored behind the wheel and inattentive.

Tushar @ Start Investing Money writes New Year, New Financial Goals? – We are now a little over a month into the New Year. The festive season may seem long gone, as is the time for setting New Year’s Resolutions. But it doesn’t mean it is too late to make strides in the right direction when it comes to achieving your financial goals.

harry campbell @ Your Personal Finance Pro writes My First Default With Lending Club – With today’s pitiful interest rates, it’s hard to sit there and invest your money in CD’s that are returning 1 or 2 percent. So if you’ve been searching for alternative investments you may already know about Lending Club. But if you’re new to the peer to peer lending scene, you can read my first review of Lending Club here.

krantcents @ KrantCents writes I Am a PF Coach and I Should Be Fired! – That’s right, I should be fired! Where is Donald Trump when you need him? I think of myself as a personal finance (PF) coach that helps you achieve your goals and I am batting under 500. My percentage stinks and I should be fired.

Roger the Amateur Financier @ The Amateur Financier writes Money and Child Raising: Preschool, Yay or Nay? – If you’ve been reading the past several weeks of these Monday posts here at The Amateur Financier, you’ve noticed that I’ve been covering some of the choices

Bryan @ Gajizmo.com writes Good Short Term Investments – Even multi-billion dollar corporations are always trying to maximize the returns of their cash and short term investments, so why shouldn’t you? Here is a comprehensive list of all your short term investment options, from money market market accounts and Treasuries to “I-Bonds” and property tax certificates. Find where you feel comfortable parking your cash for the short-term before you invest it at higher yields.

Bank Free Credit @ Bank Free Credit writes Citibank Review – Citibank is one of the most important and oldest international financial institutions in the world. All of the basic services that one would expect from any bank are provided here, and then some—credit cards, insurance, investment projects and others.

NoTrustFund @ Where’s My Trust Fund writes Financial Wisdom From A Nonagenarian – Words of wisdom from a lady who has ben around the block a few times.

Div Guy @ The Dividend Guy Blog writes 5 Reasons I Will Add an ETF to my Asset Allocation in 2013 – The reasoning for an ETF.

 

RISK MANAGEMENT AND INSURANCE

Bryan @ BryanMaltier.com writes Whole Life Insurance – What Is It? Pros and Cons – Considering life insurance? By now, you must know what term life insurance is, but what about whole policies? Written by a former life insurance agent and broker, this article details the cash value component, how much coverage to buy, how it compares as an investment, payment options, and a brief comparison of different types of life insurance protection.

Paul Vachon @ The Frugal Toad writes Winter Storm Nemo and the Importance of an Emergency Fund – What does the massive Winter Storm Nemo have to do with the need to have an emergency fund? In short, everything. Nemo is symbolic of any un-foreseen event that may disrupt one’s income or cause a financial hardship. From a simple power outage to a long-term illness, being prepared to handle an emergency can mean the difference between peace of mind and having your family’s world turned upside down.

John @ Married (with Debt) writes It’s Time Again – Shopping for Car Insurance – My car insurance premium increases every 6 months even though I’ve never been in an accident, so I shop for new car insurance quotes regularly.

 

REAL ESTATE AND PROPERTY

Louis @ Wallet Hub writes FHA Streamline Requirements – Since the financial crisis, the Federal Housing Administration’s Streamline refinance program has grown to be one of its most popular offerings.

L Bee @ L Bee and the Money Tree writes House Guest Rules: Who Pays for Dinner? – Then I got to thinking about house guest rules. There are of course the rules nearly everyone follows when guest is in town:

Corey @ Steadfast Finances writes Protecting Your Home Investment – Buying a home is a big step for any family or individual. Not only is it difficult to save up a down payment, but it can also be hard to take care of a house for the first time. Proper maintenance and general upkeep is an important part of home ownership. It takes a lot of work, but it is essential to protect your investment.

Green Panda @ Green Panda Treehouse writes How Wild Are You Willing to Get With Your Home?

Passive Income Earner @ The Passive Income Earner writes Pay Your Mortgage or Invest It – Do you pay your mortgage down first or do you invest? Which one gets you ahead further?

Jen @ Master the Art of Saving writes Preparing To Buy A House: The Score – Buying your first home can be an exciting and stressful experience all in one. When we bought our first house, I really didn’t know what to expect. Maybe I should have done a little bit of research ahead of time, but what’s done is done.

Kyle @ The Penny Hoarder writes 5 Mortgage Saving Ideas – When it comes to cutting your budget, you probably start with incidental expenses like eating out or having digital cable. But it’s also important to pay attention to what kind of money you can save even on the necessities, like your housing payment.

Pauline @ Reach Financial Independence writes Big city life, is it worth it? – With an average salary, does it make sense to live in the big city? Would you spend 20 years working just to pay for your house? Do your financial plans account for the high cost of living in your area?

Ray @ Squirrelers writes Is This a Good Time to Invest in Real Estate? – Real Estate has taken a big hit over a number of years now, with prices in most (though not all) areas down significantly from prior levels. However, could this now be a good time to buy?

 

RETIREMENT AND TAXATION

Alan Webster @ 401kcalculator.org writes Your 401k Limit Is More Generous Than Ever in 2013 – Your 401K limit is as high as it’s ever been. This post looks at how the 401k limit has changed compared to the rate of inflation

Ricky @ Qwoter writes Best IRA Companies – Opening your IRA with a great reputable IRA company is important to get you started on the correct path.

Jon @ Novel Investor writes How To Calculate Cost Basis For Tax Savings – How you calculate cost basis and track your investments plays a big role in controlling your tax savings now and in the future.

Philip @ PT Money Personal Finance writes 3 Ways to File Your Taxes for Free – Not everyone meets the criteria in order to be able to file their taxes online for free, but here are 3 options to see if you qualify.

Michael Kitces @ Nerd’s Eye View writes Safe Withdrawal Rates In Today’s Low Yield Environment – Walking On The Edge Of A Cliff? – What’s a safe spending amount in retirement, given today’s low-yield environment? Is the 4% rule still safe, or does it need to be trimmed given today’s market conditions?

Jason @ Work Save Live writes Best Online Tax Preparation Software – H&R Block, TurboTax, TaxACT, FreeTaxUSA – To take the guesswork out of which online tax software is right for you, we’ve taken a tremendous amount of time to examine the best – and most popular – online tax preparation companies to determine which has the best software for your particular tax situation. See the differences between TurboTax, H&R Block, TaxACT, and FreeTaxUSA.

Super Saver @ My Wealth Builder writes Updating Wills and Living Trusts – Due to changes in our situation and tax laws, we plan to review and update our wills and living trusts that were created in 1999.

Don @ MoneySmartGuides writes 3 Secrets to Retiring Well – I read an article recently in Money Magazine regarding retirement. The author pointed out three secrets to retire well. They include: Embrace Change: As life happens, sometimes our plans need to change and we have to rethink retirement.

TDB @ Tax Deduction Blog writes Before You Say I Do : How will marriage affect your taxes? – Before you get married, you should take the time to learn how marriage will affect your taxes. What is this so-called marriage penalty? Is there really such a thing as a marriage tax?

MMD @ IRA vs 401k Central writes Taking An Early Withdrawal from Roth IRA Contributions – You’ve heard you can take an early withdrawal from Roth IRA contributions after five years, but did you know there are specific rules that come with it?

Mike @ Do Not Wait writes How Your Family Can Help You With Retirement Planning – The role of your family in your retirement goals.

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