Carnival of Financial Planning – Money Management Edition #234 – April
27, 2012
Welcome to the April 27, 2012 Money Management Edition #234 of the Carnival
of Financial Planning.
This edition is arranged by subject heading, so that you can
browse efficiently.
Enjoy!
The Skilled Investor, Editor
Budgeting and Economics
Dr Dean presents 100 Words On How To Become Well To Do! posted at The Millionaire Nurse Blog, saying, “Want to be financially successful? Check out this short mantra, and repeat it daily.
David presents Wired Capital Markets posted at Wall Street
History , saying, “Looking into the workings of modern securities markets is like looking
under the hood of a Prius hybrid car. There are so many complex and
obscure parts it’s hard to discern what’s going on. History repeats and
informs in market technologies. From the days when front-running
involved actual running to the “Victorian Internet era” brought on by
telegraphy, we can learn a great deal from looking back at a simpler
era.”
JB presents Mint Review posted at My University Money,
saying, “Now that Mint.com has launched in Canada, I thought I would
give it a test drive to see what it can do and write up our mint
review, and so far I am quite impressed.
Financial Planning
Kanwal presents Is it Good When Companies Buy Back Their Own Shares? posted at Simply Investing,
saying, “Companies will sometimes buy back their own shares, but is
this good or bad for you the shareholder? Generally it’s a good thing
because in the long run it will result in an increase in the share
price.
Amanda L Grossman presents Environmental Reward Program Update posted at Frugal Confessions,
saying, “Earth Day/Week is here, and I thought I would take the
opportunity to update you on the reward point programs I introduced
about a year ago.
Daniel presents The Finances of Addiction posted at Sweating the Big Stuff, saying, “It seems like just about everybody is addicted to something. Do you know how expensive additions are?
PFP presents Investment Asset Tax Location posted at
Pasadena 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.”
krantcents presents The 3 M’s of Success posted at Krant Cents, saying, “The 3 M’s of Success is the thirteenth in a series of articles to help you reach your goal.
PPlan presents Top 5 Mortgage Mistakes posted at Provident Plan, saying, “Learn about the top five mortgage mistakes that you can make when buying a new house or condo.
MR presents Fixing Your Garage Door Opener By DIY posted at Money Reasons,
saying, “These are the steps I followed to replace my craftman garage
door gears that were shredded. This particular repair cost me $25 vs
around $200 for a repairman.
Frank presents Passive Index Fund posted at Individual Investor Strategies,
saying, “Short-term mutual fund trading is a zero sum game played
against other very well informed mutual fund traders and other
securities market traders. On average, higher mutual fund turnover is
far more likely to result in lower investment fund performance —
instead of superior risk-adjusted performance.”
Miss T. presents When Everything You Touch Turns to Dust posted at Prairie Eco Thrifter,
saying, “Lifes like that. Sometimes it is smooth sailing and everything
falls effortlessly in place and other times, every detail is
excruciatingly difficult, complex and painful. Just when it seems that
failure will always follow failure, things start breaking your way
again, if you persist. Winners regard failure as part of the process
and learn from their mistakes. Losers give up.
Daisy presents Vancouver Personal Finance posted at Add Vodka,
saying, ” A couple of weeks ago, TeacHer Finance wrote a post asking
whether or not personal finance advice should depend on geography. I
say yes.
TSI presents Superior professional mutual fund manager performance. posted at
Skilled Investor Blog , saying, “If investment mutual fund managers were truly skilled at beating the
market, then you would expect mutual fund manager performance prowess
to persist over time. Unfortunately, the evidence indicates that
superior past professional performance among mutual fund managers tends
not to persist. Past superior mutual fund performance is simply not a
predictor of future superior mutual fund performance.
”
FG presents Cars Are the Mass-Transit Solution of the Future posted at Financial God,
saying, “As you sit in traffic on your way to work, you might find it
hard to believe, but one day, that congested highway will be part of
the mass-transit wave of the future.
Jeffrey presents How to Be an Entrepreneur posted at Money Spruce,
saying, “Answering the question How to Be an Entrepreneur is a somewhat
complicated one. There’s really no simple way to answer it. The first
thing I will tell you: being an entrepreneur is easy, but being a
successful entrepreneur is not. Here’s a few simple steps to think
about.
Walter presents Best Bond Mutual Fund posted at Fixed Income Fund
Investing, saying, “The bond investment fund market is no place for an individual
investor to try to beat the market and get higher returns through
attempts at clever fixed income investing. Even professional bond
market money managers do not beat the bond market.”
Crystal presents Build a Home Series – Floor Plan and The Lot posted at Budgeting in the Fun Stuff,
saying, “The first steps with our builder were to decide on the floor
plan of our future home and to pick our lot. We had to pick our floor
plan first.
Ashley presents How to Spend Less on Gas posted at Money Talks Coaching,
saying, “How much gas are we using to drive to work, to school, to the
store, and so on? Here are some tips on how you can deal with the high
price of gas.
Income
Linsey presents Make Money Writing Articles Online posted at 1099 Mom,
saying, “Thanks to the internet and the popularity of blogs, writing
for pay is becoming more common. If you love to write, there are many
ways to make money writing articles online.
The Financial Blogger presents Blog for Sale posted at The Financial Blogger, saying, “A look at
making money online.”
Insurance and Risk
R.J. Weiss presents What’s the Value of Contents In My Home? posted at Weiss
Insurance Agencies, Inc., saying, “Tips for deciding how much
to insure your personal possessions for.”
Larry presents ID theft protection posted at Objective 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.”
Investing
FMF presents Value: The Third Factor of Investing posted at Free Money Finance,
saying, “A stock’s valuation is measured on a continuum from “valueto
“growth.In broad strokes, value stocks are cheap and growth stocks are
expensive. But there are compelling reasons why an investor might be
willing to pay more for a growth stock than a value stock.
Glen Craig presents What Would You Do with a Cash Windfall? posted at Free From Broke ,
saying, “Who wouldn’t love to have a cash windfall come their way? But
what would you do with a cash windfall? See three options you can take
with the money.
Jack Parker presents Top NoLoad Funds posted at Preferred Investment Funds,
saying, “Some mutual funds and ETFs must be better than
others, but which ones are they? How can you tell before the fact?”
Jim presents What is a Mutual Fund? posted at Bargaineering,
saying, “A look at the structure and purpose of a mutual fund, a
popular investing vehicle that most people don’t fully understand.
PITR presents Risky Investments – High Return posted at Passive Income To Retire,
saying, ” Investing with great risks gives you a bigger potential
return. You won’t always avoid mistakes, but you will learn from them.
DJL presents Global Markets in Distress 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.”
Tushar presents The Average Returns to Expect on Mutual Funds posted at Start Investing Money,
saying, “When you are deciding on a vehicle for investing your money,
mutual funds may come up in conversation more often than not. Because
the risk is spread out, the investment is perceived as safer than
gambling on individual stocks.
William presents Mutual Fund Performance posted at No Load Funds ,
saying, “Screen out inferior mutual fund performance — but only after using
other ETF and mutual fund selection criteria. Superior or even average
mutual fund performance in the past simply does not predict similar
fund performance in the future.”
Managing Debt
Debt Guru presents Is the Cash Method Helpful? posted at Debt Free Blog,
saying, “Is an all cash method of budgeting the best way to control
your spending? Find out if the envelope method is right for you.
Shaun presents Should Families Pay Off All Their Loans: No, Debt is Not Bad and It is Not Always Riskier than Cash posted at Smart Family Finance, saying, “I’m sorry, but if you think debt is bad; you are wrong! Debt can be good, sometimes it is even essential.
SFB presents How does a Letter of Credit Differ from a Bank Guarantee? posted at Simple Finance Blog,
saying, “In layma’s terms, a bank guarantee and a letter of credit may
seem similar, but they are not. Here are the key differences and when
to use them.
Princess P presents Smart, Savvy, And On A Budget posted at Portfolio Princess,
saying, “Sometimes sticking to a budget is no easy task, but there are
ways to make saving money easy by following these simple budgeting tips.
Theresa Torres presents Why American Express is Good posted at Credit Donkey,
saying, “Look no further if you’re looking for a credit card with a
generous reward program and is from a company known for its legendary
customer service.”
Real Estate
Jen presents How Much House Do You Really Need? posted at Master the Art of Saving,
saying, “Sometimes we just need to ask ourselves: How much house do I
need? If you stay in your house almost all the time, then of course
your needs would…
Jester presents Saving Money By Doing Small Repairs Yourself posted at The Ultimate Juggle,
saying, “How I save money to spend on my kids by doing small repairs
myself. If what you are trying to fix is old, it might be worth it to
try fixing it yourself.
Maria presents Regulate the people, not the banks! posted at The Money Principle,
saying, “Read why it is not the institution that the government need to
go after, but those few selfish individuals in the company!
Kevin presents It’s All About Creating Income posted at Thousandaire,
saying, “Lots of people worry about saving millions of dollars. If you
generate passive income, you won’t need so much in savings.
Retirement
Paul Vachon presents Retirement Age and When to Collect Social Security posted at The Frugal Toad,
saying, “Deciding when to retire can have financial consequences for
you and your family for many years. Delaying retirement age and taking
Social Security Benefits later not only increases your monthly benefit
but may also allow you the opportunity to employ powerful benefits
management strategies.
Lazy Man presents My 16 Hours in Military Retirement Boot Camp posted at Lazy Man and Money,
Brock presents Best Retirement Software 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.”
Whitney presents Retirement Worksheets posted at Retirement
Saving Plans, saying, “While personal wealth should measure current financial investments and other
salable assets, it should also measure your ability to sustain your
household budget, build up your investment portfolio, and weather
potential financial risk and misfortune across your lifetime.”
Savings
YFS presents The Benefits of Giving to Charitable Institutions posted at Your Finances Simplified,
saying, “They say that giving and helping others can offer people more
satisfaction than acquiring material things. For centuries different
individuals, even the most wealthy ones, have found a sense of
fulfillment in giving, and indeed it is in the act…
Christopher presents 529: It is never too early to start posted at This That and The MBA,
saying, “It is never too early to start a 529 plan for your child. Make
sure to take advantage of it early to take full advantage of
compounding.
TSI presents Savings determine wealth posted at The Skilled Investor , saying, ”
How much you earn, spend, budget, and save are by far the most dominant
determinants of your long-term financial well-being. Self-control in
your financial decision-making regarding budgeting and consumption is
far more important than clever investing. ”
Wayne presents 5 Tips to Save Money on Your Grocery Bill posted at Young Family Finance,
saying, “If you are looking to save money, you might want to consider
these tips to reduce your expenses with your grocery bill.
Taxes
J.P. presents How Long Should You Keep Tax Records? posted at Novel Investor,
saying, “Tax season is stressful enough just getting those returns
finished and sent in time. Now you have to deal with filing away all
those tax records. Or do you?
Paul Tabbet presents Retirement Planning Software posted at Tax Planning Software,
saying, “Retirement planning software should automate the development
of lifetime projections that incorporate tax laws and rules associated
with tax-advantaged retirement investment incentive programs such as
traditional IRA, Roth, 401k, 403b, SEP, Keogh, and other retirement
plans.”
Emily de Silva presents What Does Tax Code 810L Mean? posted at Taxcode 810L,
saying, “The new tax code for 2012 is 810L. Find out what is means for
you.”
Edward Webber presents How much Can you earn in 2012 posted at Tax Return Blog, saying,
“Often people do not realise that they can earn a certain amount before
paying any tax. This article explains how much you can earn in 2012
without paying any tax.”
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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