Post a CommentCarnival of Financial Planning 10-09-09
Best Personal Financial Planning and Personal Investment
Articles this Week from Personal Finance Blogs
Carnival of Financial Planning – Edition #110 – October 9, 2009
Welcome to the October 9, 2009 Edition #110 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.
Enjoy!
The Skilled
Investor, Editor
Budgeting
Tom Tessin presents How to Live Within Your Budget posted at FSC Blog, saying, “How you can live within your budget, and save more money than before.”
The Smarter Wallet presents Internet Banking: Compare Online Banks For Your Savings Needs posted at The Smarter Wallet
Susan Savering presents Personal Budgeting posted at Family
Financial Planners,
saying, “When you don’t understand how much you spend and how much
you save and invest, you do not have a financial plan. This
dramatically increases your family’s long-term financial
risk.”
Economics
Curt presents Asia Needs to Start Outsourcing to America to Restore the Job Market posted at PennyJobs.com.
Zach Scheidt presents Commodities Run as Australia Raises Rates posted at ZachStocks,
saying, “Australia has become the first G-20 nation to raise interest
rates. The country’s economy has escaped recession due to a strong
banking system along with commodity demand from China. Other G-20
members now under pressure to raise rates.”
Roshawn Watson presents The Rich Get Poorer posted at Watson Inc,
saying, “The implications of this recent recession have been
far-reaching enough to put a big dent in American and world wealth.
Both the magnitude of wealth and the number of millionaires decreased
profoundly in 2008.”
Zach Scheidt presents Mortgage Crisis, Part Deux posted at ZachStocks,
saying, “Commercial Mortgages continue to clog bank balance sheets and
losses do not appear to have been recognized. Watch for weakness in
regional banks with heavy exposure to commercial real estate loans.”
Estate Planning
Ray @ Financial Highway presents Probate- Why and How to Avoid Probate Fees posted at Financial Highway,
saying, “Probate fees take up a large chunk of ones estate, however one
can avoid or reduce probate fees legally, find out how and why you
should reduce probate fees.”
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
Shadox presents Even for 401(k) – Vigilance Pays posted at Money and Such,
saying, “Think that your 401K contributions are automatically safe?
Think again. Checking up on your employer periodically makes sense.”
MoneyNing presents Lifestyle Inflation Is About More Than You posted at Money Ning, saying, “Lifestyle inflation is real and scary. Be careful or it is more than you who will pay the price.”
Miss M presents Why Parents Should Help their Kids Pay for College posted at M is for Money,
saying, “Parents often don’t realize that financial aid expects them to
help pay for their child’s college education. Understand how much you
will be expected to chip in and be prepared for that expense.”
nissim ziv presents Planning a Second Career Strategy posted at Job Interview Guide,
saying, “As with every change in life that requires a plan and
strategy, so is with a second career – a second career strategy has to
be planned.”
Suzane Smith presents Top 20 Personal Expenses You Can Cut This Year to Save $1,000 posted at Accredited Online Degrees.
Susan Savering presents Personal Finance Strategy posted at Family
Financial Planner,
saying, “When pursuing optimal financial planning and investing
strategies and controlling your costs and capital gains taxes, you also
need to establish a time-efficient system to monitor, adjust, and
adhere to your financial plan.”
Patrick @ Military Money presents How Much Life Insurance Do Military Members Need? posted at Military Finance Network,
saying, “Military members may have different life insurance needs than
civilians. Here is information regarding how much life insurance
military members should buy, and some resources for finding the best
life insurance deals.”
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.”
Financing a Home
Betty T. presents Donkee House » 20 Percent Down Gets You A Higher Interest Rate posted at Donkee House,
saying, “Contrary to what most of us think, putting 20% down when
buying your home might actually put you in the higher risk bracket,
according to Fannie Mae and Freddic Mac. Of course, being high risk
means higher interest rate on your loan…”
Alex Fotopoulos presents When to Refinance a Mortgage? posted at My Trader’s
Journal, saying, “Some key points to consider when
refinancing your home.”
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”
Health Care
KCLau presents Withdraw EPF Fund to Pay Insurance Premium? posted at KCLau’s Money Tips, saying, “Vincent Lee from Penang generously shares an idea to use your EPF”
Income
FMF presents Why Annuities Are a Bad Idea posted at Free Money Finance, saying, “A case against annuities.”
jim presents MyFICO 25% Off Promotional Code: FinancialHelp25 posted at Blueprint for Financial Prosperity.
Save Money presents How Much Do You Make? (Getting To Know Readers) posted at How I Save Money.net.
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.”
Investing
ABC presents More Exciting Facts About Stock Indexes posted at ABCs of Investing, saying, “Some interesting facts about stock indexes.”
Darwin presents Best Currency ETF Plays to Exploit Weak Dollar Trend posted at Darwin’s Finance, saying, “With Markets potentially peaking out, these currency ETFs may be a great way to play the weak US dollar trend.”
20smoney presents Should You Buy Oil ETFs Or Oil Stocks? posted at 20s Money, saying, “A look at whether or not it makes sense for you to invest in oil and at some of the ETFs and stocks that might work.”
Super Saver presents Feels Like a Correction is Coming posted at My Wealth Builder.
Patrick @ Cash Money Life presents $50 TradeKing Promo Code posted at Cash Money Life,
saying, “TradeKing is offering a $50 bonus for opening a new account
during the month of October. This offer only comes along once a year,
so take advantage now!”
GeoffG presents Weekly Technical Analysis and Market Timing Update for Week Ending 10/2/09 posted at Market Timing and Top Stock Picks, saying, “Daily and weekly market timing signals, technical analysis and top stock picks.”
FMF presents Time to Rebalance Your Portfolio Again posted at Free Money Finance, saying, “Time to check your investments and see if you should rebalance.”
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.”
Patrick @ Cash Money Life presents How to Open a Roth IRA posted at Cash Money Life, saying, “Tips on how to open a Roth IRA and what to look for in your Roth IRA Custodian.”
Jeremy presents DRIPs Are a Means to An End, Not A Reason to Buy a Stock posted at The Dividend Guy Blog, saying, “DRIPs are not an investment strategy but a tool. Do not get that confused.”
The Financial Blogger presents Best Stocks 2009: Q3 Contest Results posted at The Financial Blogger,
saying, “Back in January, we (a few stock picker/fellow bloggers) put
up a challenge; Chose the best stocks in 2009. We were allowed to
choose 4 stocks each.”
Larry Russell presents Top NoLoad Mutual Funds posted
at Best No Load
Mutual Funds,
saying, “Taken as a whole, the vast body of investment research studies
show that there really are better approaches to buying and owning
mutual funds and ETFs. You do not need to frantically chase fund
performance. Performance chasing simply does not work.”
The Smarter Wallet presents Lending Club Review: Lending Money For Profit posted at The Smarter Wallet, saying, “Alternative investing using a lending platform.”
The Skilled Investor presents Personal
Investment Strategy posted at Personal
Investment Manager,
saying, “Investors more easily understand investment costs that are
directly measurable, such as fees deducted on investment statements.
However, many investors ignore or are unaware of the opportunity costs
of their sub-optimal investment behaviors. Opportunity costs are
usually much more difficult to measure directly, but these investment
costs can be even higher than more visible investment fees.”
April presents Investing 101: How Diversification Reduces Risk posted at Get Rich Slowly,
saying, “Robert Brokamp shares the basics of how we can achieve a
respectable return, with lower volatility through a well-diversified
portfolio.”
Frank Vertin presents Best Index Fund posted at Best Index Fund,
saying, “Buying an S&P 500 index fund through an investment
counselor can substantially increase your initial purchasing costs and
and drive up your annual management expense fees. Unfortunately, the
vast majority of individual investors buy mutual funds and ETFs through
brokers and investment advisers. Rarely do financial advisors recommend
that you buy index funds with low fees. This is because low cost, no
load mutual funds do not pay them as well as loaded, high fee mutual
funds.”
ABC presents Stock Market Indexes posted at ABCs of Investing, saying, “How different types of stock market indexes work.”
Dividend Tree presents What is your preference – Aristocrats or Achievers? | Dividend Tree posted at Dividend Tree,
saying, “The key question here is; are we willing to invest in
companies that have still not completed 25 years of dividend growth?
All dividend aristocrats were at that stage at some point in time.”
Vlada Kynsky presents Treasury inflation protected securities ETF posted at StockWeb, saying, “TIPS ETF provides good investment alternatives in the time of rising inflation.”
One Family presents Added AT&T (T) and Wrote Covered Calls on Ameritrade (AMTD) and Costco (COST) posted at One Family’s Blog, saying, “Portfolio Update and Covered Call Writing Strategy.”
Dividends4Life presents 7 Dividend Stocks Paying More Cash posted at Dividends Value,
saying, “When selecting income investments, the three most important
questions to answer are : 1.) Is the investment increasing its dividend
each year, 2.) Is the increase likely to continue into the future and
3.) Are you being compensated for the risk you are taking?”
Praveen presents India Fund (IFN) Trade Example posted at My Simple Trading System,
saying, “An example of how having a trading system gives you
an edge, and let’s you take advantage of market moves outside of your
control.”
Jules Wells presents Best Investment Strategy posted at Best Financial Planning Software,
saying, “Personal investing seems incredibly complex, but the best
investment strategy also tends to be a more simple investment
strategy.”
Tomas Escent presents Quant Investment Management posted at Nerds on Wall Street,
saying, “Think of this book as sort of a Hitchhiker’s Guide to Wired
Markets. There are no robots parking cars for six million years, but
there are robots trading millions of shares in six milliseconds, so
maybe that’s close enough.”
TIP Guy presents Current Fund Raising Environment Demonstrates Herd Mentality | TIPBlog.in posted at TIPBlog.in,
saying, “verybody wants to join in this “me too” world. Does any
investor or personal finance advisor ask, why are we agreeing to buy at
hyped price? what is the probability of success? What the chances of
allotment? Even if it is allocated, then what?”
Managing Debt
Silicon Valley Blogger presents myFICO Promotional Code and Review posted at The Digerati Life.
Anthony Samuel presents New Credit Card Rules Could be Bad News for Young Adults | Clearchoicecreditcards posted at Clear Choice Credit Cards.
Tom Drake presents How To Avoid Bankruptcy With A Consumer Proposal posted at The Canadian Finance Blog,
saying, “If you have a job but are unable to make all your minimum
payments, let alone actually pay down your debts, you may have wondered
if bankruptcy is the only way to get out from under all your debt.”
Nash Dadameah presents How Debt Management Programs Can Help You Get Rid of Debt posted at nil2million.com, saying, “a simple article on how debt management can help to reduce or eliminate debts”
oneadvice presents UK Credit Card Debt Management posted at One Advice,
saying, “UK Credit card debt management is a problem for 4.8million
people who have experienced increases in the amount of money they owe
to their credit card debt. The simplest ways to deal with credit card
debt management in the UK – and these tips could also work
worldwide…”
Miscellaneous
Buck Weber presents Money Saving Secrets: A Review posted at THE BUCK LIST,
saying, “Having never been one to shy away from checking a dumpster or
the curb for unwanted goodies, it was with great expectations that I
borrowed from the library a copy of Gene Logsdon’s Money Saving
Secrets: A Treasury of Salvaging, Bargaining, Recycling and Scavenging.
I was not disappointed.”
Tyler Tervooren presents 10 Green Changes in Less than 10 Minutes for Less than $10 posted at Frugally Green,
saying, “Let’s not kid ourselves. Excuses are excuses and whether
you’re constrained by money or time, there are a multitude of things
you can do to wave your environmental freak flag while spending little
of either. Oh, and don’t listen to your college professors, either.”
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?”
MoneyNing presents Gambling My Way to Financial Freedom posted at Money Ning, saying, “Before you blame anything else on why you are poor, maybe you should blame yourself first.”
No Load Bond Funds presents Bond
Index Funds posted at Bond Index Fund,
saying, “Simply put, if you pay higher bond mutual fund fees, then
these bond management expenses tend just to be a deadweight loss to
you. The best bond fund buying strategy is to pick only very low-cost
no load bond funds.”
Retirement Planning
Jeff Rose presents What Are Your Options for a 401k Rollover to IRA? posted at Jeff Rose, saying, “When you leave your job, either voluntary or not, you have to make an important decision regarding your 401(k).”
Super Saver presents Early Retirement Forum posted at My Wealth Builder,
saying, “This forum was a good opportunity read about other people in
early retirement, since there are only a few bloggers who have retired
early. In addition, I learned about how other people were thinking
about achieving their own early retirement.”
Abdulrasool Sumar presents Important Year End Statements for Individual Retirement Account (IRA) Holders posted at 401k,
saying, “If you have an Individual Retirement Account (IRA), you should
know that your IRA custodian must provide you with a year-end statement
of the value of your IRA. Typical year-end statements include the fair
market value statement, IRS Form 1099-R, notice of minimum required
distributions (RMDs), etc; and these forms must be mailed to you by
January 31st, of the year following the pre-ceding tax year. In this
article, we will briefly explore each of these statements.”
Top Stock Index Mutual Funds presents Top Stock Index Mutual Funds posted at Top 10 Index Fund,
saying, “To build your retirement portfolio, buy some of these top 10 very low cost no load S&P 500 index
mutual funds directly. You do not have to pay the heavy added expenses
of buying through a stock broker, financial adviser, investment
adviser, or investment counselor.”
Risk Management and Insurance
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.”
Chris McClelland presents There is another scam brewing that could lead to a financial fiasco posted at Lucrative Investing.
Savings
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 months.”
Big Larry presents Five Ways the Sunday Paper Can Save You Money posted at Out of Debt Christian,
saying, “Use it the right way, and the Sunday paper is like free money
arriving on your doorstep each week. Plus, who doesn’t love checking in
on silly old Marmaduke?”
The Investor presents Emergency funds: The ten essential steps posted at Monevator.com, saying, “How to make sure your emergency fund is ready for the worst.”
Four Pillars presents Back To School Cell Phone Deals posted at Quest For Four Pillars, saying, “Comparison of the best cell phone deals for students heading back to school.”
KCLau presents How much money you spend in a lifetime? posted at KCLau’s Money Tips, saying, “How much do u spend in a lifetime”
Taxes
FMF presents How Long You Should Keep Tax Returns? posted at Free Money Finance, saying, “How long do you need to hold onto past returns?”
Jeff Rose presents Don’t Forget These Last Minute Tax Breaks for 2009 posted at Jeff Rose.
PT presents Tax Incentives Found in the American Recovery and Reinvestment Act posted at Prime Time Money,
saying, “The ARRA provides many opportunities for tax credits if you
purchase the right product at the right time. Explore these incentives
and see if you can benefit.”
Julia Kingston presents A Matter of Trust posted at Gray Matters,
saying, “A number of countries don’t allow foreign people (including
foreign business entities) to own land in certain areas. The most well
known of these countries is Mexico, but I have recently come across a
similar situation in Canada, and know of cases in Great Britain.”
Jeff Rose presents 2010 Traditional IRA to Roth IRA Conversion Tax Rules posted at Jeff Rose, saying, “Tax implications of converting from a Traditional IRA to a Roth IRA. Don’t forget the after-tax contributions.”
Mike Piper presents Roth IRA Withdrawal Rules posted at The Oblivious Investor, saying, “A flowchart designed to answer a tricky question: How are Roth IRA withdrawals taxed?”
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Carnival of Financial Planning 10-09-09
Best Personal Financial Planning and Personal Investment
Articles this Week from Personal Finance Blogs
Carnival of Financial Planning – Edition #110 – October 9, 2009
Welcome to the October 9, 2009 Edition #110 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.
Enjoy!
The Skilled
Investor, Editor
Budgeting
Tom Tessin presents How to Live Within Your Budget posted at FSC Blog, saying, “How you can live within your budget, and save more money than before.”
The Smarter Wallet presents Internet Banking: Compare Online Banks For Your Savings Needs posted at The Smarter Wallet
Susan Savering presents Personal Budgeting posted at Family
Financial Planners,
saying, “When you don’t understand how much you spend and how much
you save and invest, you do not have a financial plan. This
dramatically increases your family’s long-term financial
risk.”
Economics
Curt presents Asia Needs to Start Outsourcing to America to Restore the Job Market posted at PennyJobs.com.
Zach Scheidt presents Commodities Run as Australia Raises Rates posted at ZachStocks,
saying, “Australia has become the first G-20 nation to raise interest
rates. The country’s economy has escaped recession due to a strong
banking system along with commodity demand from China. Other G-20
members now under pressure to raise rates.”
Roshawn Watson presents The Rich Get Poorer posted at Watson Inc,
saying, “The implications of this recent recession have been
far-reaching enough to put a big dent in American and world wealth.
Both the magnitude of wealth and the number of millionaires decreased
profoundly in 2008.”
Zach Scheidt presents Mortgage Crisis, Part Deux posted at ZachStocks,
saying, “Commercial Mortgages continue to clog bank balance sheets and
losses do not appear to have been recognized. Watch for weakness in
regional banks with heavy exposure to commercial real estate loans.”
Estate Planning
Ray @ Financial Highway presents Probate- Why and How to Avoid Probate Fees posted at Financial Highway,
saying, “Probate fees take up a large chunk of ones estate, however one
can avoid or reduce probate fees legally, find out how and why you
should reduce probate fees.”
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
Shadox presents Even for 401(k) – Vigilance Pays posted at Money and Such,
saying, “Think that your 401K contributions are automatically safe?
Think again. Checking up on your employer periodically makes sense.”
MoneyNing presents Lifestyle Inflation Is About More Than You posted at Money Ning, saying, “Lifestyle inflation is real and scary. Be careful or it is more than you who will pay the price.”
Miss M presents Why Parents Should Help their Kids Pay for College posted at M is for Money,
saying, “Parents often don’t realize that financial aid expects them to
help pay for their child’s college education. Understand how much you
will be expected to chip in and be prepared for that expense.”
nissim ziv presents Planning a Second Career Strategy posted at Job Interview Guide,
saying, “As with every change in life that requires a plan and
strategy, so is with a second career – a second career strategy has to
be planned.”
Suzane Smith presents Top 20 Personal Expenses You Can Cut This Year to Save $1,000 posted at Accredited Online Degrees.
Susan Savering presents Personal Finance Strategy posted at Family
Financial Planner,
saying, “When pursuing optimal financial planning and investing
strategies and controlling your costs and capital gains taxes, you also
need to establish a time-efficient system to monitor, adjust, and
adhere to your financial plan.”
Patrick @ Military Money presents How Much Life Insurance Do Military Members Need? posted at Military Finance Network,
saying, “Military members may have different life insurance needs than
civilians. Here is information regarding how much life insurance
military members should buy, and some resources for finding the best
life insurance deals.”
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.”
Financing a Home
Betty T. presents Donkee House » 20 Percent Down Gets You A Higher Interest Rate posted at Donkee House,
saying, “Contrary to what most of us think, putting 20% down when
buying your home might actually put you in the higher risk bracket,
according to Fannie Mae and Freddic Mac. Of course, being high risk
means higher interest rate on your loan…”
Alex Fotopoulos presents When to Refinance a Mortgage? posted at My Trader’s
Journal, saying, “Some key points to consider when
refinancing your home.”
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”
Health Care
KCLau presents Withdraw EPF Fund to Pay Insurance Premium? posted at KCLau’s Money Tips, saying, “Vincent Lee from Penang generously shares an idea to use your EPF”
Income
FMF presents Why Annuities Are a Bad Idea posted at Free Money Finance, saying, “A case against annuities.”
jim presents MyFICO 25% Off Promotional Code: FinancialHelp25 posted at Blueprint for Financial Prosperity.
Save Money presents How Much Do You Make? (Getting To Know Readers) posted at How I Save Money.net.
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.”
Investing
ABC presents More Exciting Facts About Stock Indexes posted at ABCs of Investing, saying, “Some interesting facts about stock indexes.”
Darwin presents Best Currency ETF Plays to Exploit Weak Dollar Trend posted at Darwin’s Finance, saying, “With Markets potentially peaking out, these currency ETFs may be a great way to play the weak US dollar trend.”
20smoney presents Should You Buy Oil ETFs Or Oil Stocks? posted at 20s Money, saying, “A look at whether or not it makes sense for you to invest in oil and at some of the ETFs and stocks that might work.”
Super Saver presents Feels Like a Correction is Coming posted at My Wealth Builder.
Patrick @ Cash Money Life presents $50 TradeKing Promo Code posted at Cash Money Life,
saying, “TradeKing is offering a $50 bonus for opening a new account
during the month of October. This offer only comes along once a year,
so take advantage now!”
GeoffG presents Weekly Technical Analysis and Market Timing Update for Week Ending 10/2/09 posted at Market Timing and Top Stock Picks, saying, “Daily and weekly market timing signals, technical analysis and top stock picks.”
FMF presents Time to Rebalance Your Portfolio Again posted at Free Money Finance, saying, “Time to check your investments and see if you should rebalance.”
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.”
Patrick @ Cash Money Life presents How to Open a Roth IRA posted at Cash Money Life, saying, “Tips on how to open a Roth IRA and what to look for in your Roth IRA Custodian.”
Jeremy presents DRIPs Are a Means to An End, Not A Reason to Buy a Stock posted at The Dividend Guy Blog, saying, “DRIPs are not an investment strategy but a tool. Do not get that confused.”
The Financial Blogger presents Best Stocks 2009: Q3 Contest Results posted at The Financial Blogger,
saying, “Back in January, we (a few stock picker/fellow bloggers) put
up a challenge; Chose the best stocks in 2009. We were allowed to
choose 4 stocks each.”
Larry Russell presents Top NoLoad Mutual Funds posted
at Best No Load
Mutual Funds,
saying, “Taken as a whole, the vast body of investment research studies
show that there really are better approaches to buying and owning
mutual funds and ETFs. You do not need to frantically chase fund
performance. Performance chasing simply does not work.”
The Smarter Wallet presents Lending Club Review: Lending Money For Profit posted at The Smarter Wallet, saying, “Alternative investing using a lending platform.”
The Skilled Investor presents Personal
Investment Strategy posted at Personal
Investment Manager,
saying, “Investors more easily understand investment costs that are
directly measurable, such as fees deducted on investment statements.
However, many investors ignore or are unaware of the opportunity costs
of their sub-optimal investment behaviors. Opportunity costs are
usually much more difficult to measure directly, but these investment
costs can be even higher than more visible investment fees.”
April presents Investing 101: How Diversification Reduces Risk posted at Get Rich Slowly,
saying, “Robert Brokamp shares the basics of how we can achieve a
respectable return, with lower volatility through a well-diversified
portfolio.”
Frank Vertin presents Best Index Fund posted at Best Index Fund,
saying, “Buying an S&P 500 index fund through an investment
counselor can substantially increase your initial purchasing costs and
and drive up your annual management expense fees. Unfortunately, the
vast majority of individual investors buy mutual funds and ETFs through
brokers and investment advisers. Rarely do financial advisors recommend
that you buy index funds with low fees. This is because low cost, no
load mutual funds do not pay them as well as loaded, high fee mutual
funds.”
ABC presents Stock Market Indexes posted at ABCs of Investing, saying, “How different types of stock market indexes work.”
Dividend Tree presents What is your preference – Aristocrats or Achievers? | Dividend Tree posted at Dividend Tree,
saying, “The key question here is; are we willing to invest in
companies that have still not completed 25 years of dividend growth?
All dividend aristocrats were at that stage at some point in time.”
Vlada Kynsky presents Treasury inflation protected securities ETF posted at StockWeb, saying, “TIPS ETF provides good investment alternatives in the time of rising inflation.”
One Family presents Added AT&T (T) and Wrote Covered Calls on Ameritrade (AMTD) and Costco (COST) posted at One Family’s Blog, saying, “Portfolio Update and Covered Call Writing Strategy.”
Dividends4Life presents 7 Dividend Stocks Paying More Cash posted at Dividends Value,
saying, “When selecting income investments, the three most important
questions to answer are : 1.) Is the investment increasing its dividend
each year, 2.) Is the increase likely to continue into the future and
3.) Are you being compensated for the risk you are taking?”
Praveen presents India Fund (IFN) Trade Example posted at My Simple Trading System,
saying, “An example of how having a trading system gives you
an edge, and let’s you take advantage of market moves outside of your
control.”
Jules Wells presents Best Investment Strategy posted at Best Financial Planning Software,
saying, “Personal investing seems incredibly complex, but the best
investment strategy also tends to be a more simple investment
strategy.”
Tomas Escent presents Quant Investment Management posted at Nerds on Wall Street,
saying, “Think of this book as sort of a Hitchhiker’s Guide to Wired
Markets. There are no robots parking cars for six million years, but
there are robots trading millions of shares in six milliseconds, so
maybe that’s close enough.”
TIP Guy presents Current Fund Raising Environment Demonstrates Herd Mentality | TIPBlog.in posted at TIPBlog.in,
saying, “verybody wants to join in this “me too” world. Does any
investor or personal finance advisor ask, why are we agreeing to buy at
hyped price? what is the probability of success? What the chances of
allotment? Even if it is allocated, then what?”
Managing Debt
Silicon Valley Blogger presents myFICO Promotional Code and Review posted at The Digerati Life.
Anthony Samuel presents New Credit Card Rules Could be Bad News for Young Adults | Clearchoicecreditcards posted at Clear Choice Credit Cards.
Tom Drake presents How To Avoid Bankruptcy With A Consumer Proposal posted at The Canadian Finance Blog,
saying, “If you have a job but are unable to make all your minimum
payments, let alone actually pay down your debts, you may have wondered
if bankruptcy is the only way to get out from under all your debt.”
Nash Dadameah presents How Debt Management Programs Can Help You Get Rid of Debt posted at nil2million.com, saying, “a simple article on how debt management can help to reduce or eliminate debts”
oneadvice presents UK Credit Card Debt Management posted at One Advice,
saying, “UK Credit card debt management is a problem for 4.8million
people who have experienced increases in the amount of money they owe
to their credit card debt. The simplest ways to deal with credit card
debt management in the UK – and these tips could also work
worldwide…”
Miscellaneous
Buck Weber presents Money Saving Secrets: A Review posted at THE BUCK LIST,
saying, “Having never been one to shy away from checking a dumpster or
the curb for unwanted goodies, it was with great expectations that I
borrowed from the library a copy of Gene Logsdon’s Money Saving
Secrets: A Treasury of Salvaging, Bargaining, Recycling and Scavenging.
I was not disappointed.”
Tyler Tervooren presents 10 Green Changes in Less than 10 Minutes for Less than $10 posted at Frugally Green,
saying, “Let’s not kid ourselves. Excuses are excuses and whether
you’re constrained by money or time, there are a multitude of things
you can do to wave your environmental freak flag while spending little
of either. Oh, and don’t listen to your college professors, either.”
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?”
MoneyNing presents Gambling My Way to Financial Freedom posted at Money Ning, saying, “Before you blame anything else on why you are poor, maybe you should blame yourself first.”
No Load Bond Funds presents Bond
Index Funds posted at Bond Index Fund,
saying, “Simply put, if you pay higher bond mutual fund fees, then
these bond management expenses tend just to be a deadweight loss to
you. The best bond fund buying strategy is to pick only very low-cost
no load bond funds.”
Retirement Planning
Jeff Rose presents What Are Your Options for a 401k Rollover to IRA? posted at Jeff Rose, saying, “When you leave your job, either voluntary or not, you have to make an important decision regarding your 401(k).”
Super Saver presents Early Retirement Forum posted at My Wealth Builder,
saying, “This forum was a good opportunity read about other people in
early retirement, since there are only a few bloggers who have retired
early. In addition, I learned about how other people were thinking
about achieving their own early retirement.”
Abdulrasool Sumar presents Important Year End Statements for Individual Retirement Account (IRA) Holders posted at 401k,
saying, “If you have an Individual Retirement Account (IRA), you should
know that your IRA custodian must provide you with a year-end statement
of the value of your IRA. Typical year-end statements include the fair
market value statement, IRS Form 1099-R, notice of minimum required
distributions (RMDs), etc; and these forms must be mailed to you by
January 31st, of the year following the pre-ceding tax year. In this
article, we will briefly explore each of these statements.”
Top Stock Index Mutual Funds presents Top Stock Index Mutual Funds posted at Top 10 Index Fund,
saying, “To build your retirement portfolio, buy some of these top 10 very low cost no load S&P 500 index
mutual funds directly. You do not have to pay the heavy added expenses
of buying through a stock broker, financial adviser, investment
adviser, or investment counselor.”
Risk Management and Insurance
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.”
Chris McClelland presents There is another scam brewing that could lead to a financial fiasco posted at Lucrative Investing.
Savings
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 months.”
Big Larry presents Five Ways the Sunday Paper Can Save You Money posted at Out of Debt Christian,
saying, “Use it the right way, and the Sunday paper is like free money
arriving on your doorstep each week. Plus, who doesn’t love checking in
on silly old Marmaduke?”
The Investor presents Emergency funds: The ten essential steps posted at Monevator.com, saying, “How to make sure your emergency fund is ready for the worst.”
Four Pillars presents Back To School Cell Phone Deals posted at Quest For Four Pillars, saying, “Comparison of the best cell phone deals for students heading back to school.”
KCLau presents How much money you spend in a lifetime? posted at KCLau’s Money Tips, saying, “How much do u spend in a lifetime”
Taxes
FMF presents How Long You Should Keep Tax Returns? posted at Free Money Finance, saying, “How long do you need to hold onto past returns?”
Jeff Rose presents Don’t Forget These Last Minute Tax Breaks for 2009 posted at Jeff Rose.
PT presents Tax Incentives Found in the American Recovery and Reinvestment Act posted at Prime Time Money,
saying, “The ARRA provides many opportunities for tax credits if you
purchase the right product at the right time. Explore these incentives
and see if you can benefit.”
Julia Kingston presents A Matter of Trust posted at Gray Matters,
saying, “A number of countries don’t allow foreign people (including
foreign business entities) to own land in certain areas. The most well
known of these countries is Mexico, but I have recently come across a
similar situation in Canada, and know of cases in Great Britain.”
Jeff Rose presents 2010 Traditional IRA to Roth IRA Conversion Tax Rules posted at Jeff Rose, saying, “Tax implications of converting from a Traditional IRA to a Roth IRA. Don’t forget the after-tax contributions.”
Mike Piper presents Roth IRA Withdrawal Rules posted at The Oblivious Investor, saying, “A flowchart designed to answer a tricky question: How are Roth IRA withdrawals taxed?”
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