Best Personal Financial Planning and Personal Investment Articles ...

Each week I highlight the best personal finance blogs from across the blogosphere. This week Thriftability is proud to host the Carnival of Financial Planning ? and since I am on vacation (sitting on the beach, sipping an umbrella drink most likely!) you can bet I will be perusing these posts from my tablet!

Welcome to the August 17, 2012 Edition #250 of the Carnival of Financial Planning

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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 and Economics

Aloysa presents How Some Mormons Run Small Businesses in Utah posted at My Broken Coin , saying, ?Story One My friend wants to quit her job. She barely started it a few weeks ago, and she already cannot stand it. It is not the job per se that drives her to the edge of insanity. It is the people. Or I should rather say, it is the business style of the company. ?

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.?

Jason presents How We Create an Irregular Income Budget posted at Work Save Live , saying, ?Managing an irregular income is certainly difficult, but hopefully my guide on how my wife and I handle the situation will help you how to develop and excellent irregular income budget. ?

PITR presents One Step Closer to Real Estate Investing posted at Passive Income To Retire , saying, ?I have always wanted to get started in the real estate business. Okay ? when I say always, I really mean for years. I have long understood it as a great long-term investment. Unfortunately for me, I live in an area where it is very difficult to make a profit anytime soon. ?

Financial Planning

Young presents Money As a Means of Keeping Score posted at Young And Thrifty , saying, ?What is the value of money after a billion dollars? What motivates you after you have enough money? ?

Teacher Man presents Student Loans ? Jackpot! (Kind Of) Part 1 of 3 posted at My University Money , saying, ?Part 1 of our student loan series. What are student loans and how do you know if you are qualified to get them? We?ll show you how.?

John presents Checking Accounts for Students & Seniors: Are They Worth It? posted at Wallet Blog , saying, ?Are banks showing age preference to their customers, or is it just a way to get new account holders through the door? Age specific bank accounts may or may not be the best way to go.?

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.?

Wayne presents Cheap Entertainment Options: Zero Cost Fun posted at Young Family Finance , saying, ?If this bad economy has ruined all of your fun, it might be time to consider cheap entertainment options. ?

Tushar presents Are You a Knowledgeable Investor? posted at Start Investing Money , saying, ?How much do you know about investing? Many people stick with what they know, rather than trying to expand their knowledge in any way. For instance they might stick with plain savings accounts instead of looking into the potential returns offered by investments in the stock market.?

Corey presents The Law of Diminishing Returns and Why it Doesn?t Pay to Obsess posted at Steadfast Finances , saying, ?Find out how the law of diminishing returns applies to productivity and why you shouldn?t obsess over one task too much. ?

Kevin presents Wouldn?t a 5CD e Great? posted at Thousandaire , saying, ?The other day I was lamenting the fact that I can?t get any better than a 1.1 ?

Daniel presents The Chevy Volt Is Not For Apartment Dwellers posted at Sweating the Big Stuff , saying, ?I got to test drive a Chevy Volt for 2 days. It was really cool to have for free, but I don?t recommend it for everyone. ?

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.?

Luke presents Dear Financial Media: You Completely Missed Bill Gross?s Point posted at Learn Bonds , saying, ?Bill Gross recently predicted that a mixed portfolio of stocks and bonds would provide a real return after inflation approaching zero. ?

Eddie presents Sometimes You Just Can?t Win, Even When Merchants Offer a Cash Discount! posted at Finance Fox , saying, ?Downside of paying with credit-cards for obvious reasons and double dipping that the banks and credit-card companies embrace, why don?t more retailers offer cash discounts? ?

Income

Ray @ Financial Highway presents Use Cash Back Credit Card to Improve Your Finances posted at Financial Highway , saying, ?Credit cards are an important tool in your financial arsenal, among many other things they can be great for cash flow management. Cash back credit cards also have the added benefit to help you put a few dollars back in your pocket.?

Insurance and Risk

TRL presents Do I need Landlord Insurance? posted at The Retired Landlord , saying, ?Do you need landlord insurance? Find out if it is necessary and what it covers that traditional home insurance wouldn?t cover. ?

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.?

Maria presents Self employed? Get professional indemnity insurance posted at The Money Principle , saying, ?Self employed people should take out professional indemnity insurance for peace of mind ?

Investing

J.P. presents What Is A Stop Order? posted at Novel Investor , saying, ?When used properly, a stop order can help automate trades, enforce investment disciple and most importantly act as insurance. ?

Miranda presents Financial Risk Tolerance posted at Wallet Hub , saying, ?Investing; it?s all about risk, calculated or otherwise. But how much risk are you willing to take? How much do you really know about your own risk tolerance??

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.?

Kanwal presents Everything You Always Wanted To Know About Simply Investing But Were Afraid To Ask 13 Top Questions! posted at Simply Investing , saying, ? What exactly is the Simply Investing course? The Simply Investing course is an online video course created by me, to teach you how to invest successfully. I teach the principles of value investing with a focus on dividends. The same techniques used by successful investors like Warren Buffett, Benjamin Graham, David Dodd, and John Templeton. ?

Kelly presents Investment?risk tolerance posted at Investment Risk, saying, ? Individual investors with different levels of investment risk tolerance for financial risks tend to be more satisfied with risk management strategies, which are better aligned with their financial risk and return profile.?

Managing?Debt

Ben Feldman presents How to Negotiate Medical Debt posted at ReadyForZero Blog , saying, ?With rising healthcare costs, it can be all too easy to have your life turned upside down by medical debt, but with a little bit of information you can be ready to stand up for yourself. This post gives you tips on exactly how to negotiate your medical debt.?

JP presents Why Stores May Be Charging You a Fee to Use Your Credit Card and What It Could Mean for Your Family posted at My Family Finances , saying, ?Why stores are charging credit card fees and what it means for you and your families finances. ?

Debt Guru presents Three Basic Rules of Paying Off Debt posted at Debt Free Blog , saying, ?Follow these three basic rules to help yourself get out of debt and live a better life. ?

Real Estate

Sustainable PF presents Do It Yourself Green Projects posted at Sustainable Personal Finance , saying, ?There are ton of do-it-yourself projects that you can do around your house to improve your energy efficiency, and help the environment. ?

Echo presents How Much House Can I Afford? posted at Boomer & Echo , saying, ?There?s an important difference between how much house can I get approved for, and how much house can I afford? Here?s why:?

Earth and Money presents How to Deal with a Bad Landlord posted at Earth and Money , saying, ?A bad landlord can turn a great living experience into a nightmare. Here are some strategies for dealing with bad landlords to save yourself some stress.?

Retirement

Corey presents Five More Ways to Make Extra Money posted at 20s Finances , saying, ?Corey wrote about five great ways anyone can make extra money. I wanted to share five more ideas that I have used or friends of mine have used to make some extra cash. Each one of us used the extra money for different things: I used it to help me pay down my debt faster, while one of my friends used the money to max out his Roth IRA contributions each year. ?

Whitney?presents Retirement Planning Software posted at Retirement Savings, 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.?

Franklin presents Traditional and Roth IRA? posted at Retirement Planning , saying, ? Many taxpayers puzzle over whether to contribute to traditional versus Roth tax-advantaged retirement plans. For most people, contributions to traditional tax-advantaged plans will probably provide a higher net present value over their lifetimes.?

Savings

Jon the Saver presents 6 Ways To Conquer Materialism posted at Free Money Wisdom , saying, ?Here are six ways you can practically start conquering materialism. It?s not a disease you want to keep in your life, destroy it now! ?

Jeff Rose presents Best Savings Accounts Online posted at Good Financial Cents , saying, ?Looking for a top savings account to stash away some cash for a future financial goal should be part of your financial strategy.?

TSI presents?Hard work and 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.?

Taxes

PPlan presents Family Finance Advice posted at Provident Plan , saying, ?Experienced drivers know that if they want their vehicles to run properly for years to come, regular maintenance is essential. ?

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.

Technorati tags: carnival of financial planning, blog carnival.

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Source: http://thriftability.com/features/best-personal-finance-posts-august-2012/

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