Carnival of Financial Planning #190

Hello, Amateur Finance readers, fans, and other visitors.  Today, I have the great honor of being able to host the One-Hundred and Ninetieth Carnival of Financial Planning.  There are a great deal of very interesting looking blog entries included, so please take the time to check them out!

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

Carnival of Financial Planning – Edition #190 – June 24, 2011

Welcome to the June 24, 2011 Edition #190 of the Carnival of Financial Planning.

The Carnival of Financial Planning takes a long-term view of personal financial planning for individuals and families. We focus on efficient and sustainable personal financial planning practices that can lead to lifetime financial security.

This edition is arranged by subject heading, so that you can browse efficiently.


The Skilled Investor, Editor

Budgeting and Economics

David Leeman presents Cheap Vacation Ideas, Family Vacations on a Budget, Frugal Vacations posted at Financial Freedom Advantage, saying, “Everyone needs some time to relax and decompress. These cheap vacation ideas help you get away without detouring off the road to financial freedom.”

Financial Planning

Joel Ohman presents How Long Before a Hybrid Car Pays for Itself? posted at Car Insurance Comparison, saying, “Is a hybrid really worth it? Here’s how you can calculate.”

Dr. Dean presents Money Management: 9 Ways Golf Can Help! posted at Dr. Dean’s Blog, saying, “Golf and finance.”

Frank Knight presents Investment Asset Allocation posted at Retirement Planning Software, saying, “When you are already there and invested in an asset class, you are following a passive asset allocation strategy. Tactical asset allocation strategy advocates suggest that you can anticipate the crowd, but flow-of-funds studies show that almost all tactical asset allocation fund flows are late money flows that chase performance after valuations have already moved.”

BIFS presents How I Budget posted at Budgeting In the Fun Stuff, saying, “Looking over your finances monthly.”

Frank Vertin presents Index Funds posted at Top Index Funds, saying, “Top ten no load index funds that track the Standard and Poors 500 composite index in terms of lowest costs.”


The Financial Blogger presents May Monthly Income Report posted at The Financial Blogger, saying, “The income report for May.”

The Financial Blogger presents How I Went From 30K To 100K In 5 Years Part 2 posted at The Financial Blogger, saying, “How to increase your income”


Dan presents Pandora IPO Is Coming – RUN!!!! posted at ETF Base, saying, “Pandora’s IPO bombed completely this past week. Here’s what we can learn from these tech IPOs – there will be more.”

DGB presents Covered Call ETF High Income, Low Risk? posted at The Dividend Guy Blog, saying, “A look at the risk involved here.”

Intelligent Speculator presents Improving My Trading Results posted at Intelligent Speculator, saying, “Fixing up your trading results.”

FMF presents Relax with a Gone-Fishing Portfolio posted at Free Money Finance, saying: “Summer is here. It’s time to go fishing or take a trip or do wherever else you enjoy while on vacation. Unless your interests lie in investment management or you have a trusted fiduciary watching over your investments, consider having a portfolio designed to allow you more time to relax.”

Pasadena Financial Planner presents Vanguard Index Funds posted at Top Investment Funds, saying, “Compares Vanguard’s actively managed mutual funds and Vanguard’s passively managed index mutual funds. Vanguard investors should read and understand this study.”

Peter presents 401k Contribution Limits And Rules For 2011 posted at Bible Money Matters, saying, “What are the contribution limits for 2011 for those who will use a 401k?”

Mike @ Green Panda presents Everything You Need to Know About Automatic Savings Plans posted at Green Panda Treehouse, saying, “Automating your savings goals.”

Mike @ DNW presents Debt Management Solutions: Leverage to Gain an Advantage posted at Do Not Wait, saying, “When debt can benefit you.”

Dividends4Life presents 4 Dividend Stocks Turbo-Charging Returns With Increasing Dividends posted at Dividend Growth Stocks, saying, “It is a well-documented fact that a significant portion of the historical equity returns are a result of reinvested dividends. In Triumph of the Optimists: 101 Years of Global Investment Returns (2002), the authors looked at equity returns from capital gains and dividends from 1900 to 2000.”

FMF presents Revisiting the Advice to Buy Real Estate posted at Free Money Finance, saying: “Markets can turn quickly. There’s still blood in the street. Don’t miss this opportunity to look for a great real estate deal.”

Managing Credit and Debt

Jeff Rose, CFP presents Beware of the Enemy: Credit Cards That Will Eat You Alive posted at, saying, “Here is are a selection of credit cards that everyone should avoid, no matter how bad their credit.”

Tim Chen presents What are the Best Store Credit Cards? (We Compare 18) posted at NerdWallet Blog – Credit Card Watch, saying, “Store credit cards, or retail credit cards, are not typically the most financially-friendly options for consumers. We look at a slew of them to point out the pros and cons.”

Jeff Weber presents June 2011 Report on Balance Transfer Credit Cards posted at Smart Balance Transfers, saying, “In June, the average length of balance transfer offers increased to more than 12 months for the second time in 2011 and fees on balance transfers decreased. However, many consumers still have limited options due to the lack of depth in the market.”


Darwin presents PEAK OIL. It’s Here. We’re Screwed. [CHART] posted at Darwin’s Money, saying, “The world has finally hit peak oil and here’s the chart to prove it. It’s important to assess the implications and how your future is about to change.”

Dr. Dean presents Hidden Danger Of The Status Quo! posted at Dr. Dean’s Blog, saying, “As you get older you have to protect against obsolescence by adapting to the now.”

Mike @ Green Panda presents Click, Pay, and Deliver: The Advantages & Benefits of Online Shopping! posted at Green Panda Treehouse, saying, “How you can save money shopping online.”

Jason Price presents Perkstreet Update: $100 in Perks Have Arrived! posted at One Money Design, saying, “We made the decision to switch checking to Perkstreet Financial and are really pleased with the results. Learn about our experience and how we received $100 in perks!”

The Skilled Investor presents Market Timing Does Not Work posted at Personal Financial Management, saying, “Always stay invested to earn risk premiums. You must have your money invested and at risk to get risk premium returns. Jumping out and in or “timing the markets” doesn’t work.”

Joe Plemon presents Get Back On Track With Your Resolutions posted at Personal Finance By The Book, saying, “Have those New Year’s resolutions become long forgotten good intentions? Don’t give up. This post will help you get back on track.”

Mr. Money Smarts presents 10 Regular Expenses That You Should Re-Examine To Find A Better Deal posted at Smart On Money, saying, “There are a lot of regular expenses that we just pay every month without even thinking about it that we should be re-examining on a regular basis.”

Retirement Planning

Mike @ DNW presents The Pension Advice Series: How to Build Your Own Pension Plan, Part II posted at Do Not Wait, saying, “More details on building your pension.”

Consumer Boomer presents Saving Enough Money for Retirement posted at Consumer Boomer, saying, “To determine if you are currently on track for retirement, complete the following steps…”

Jim Wilkerson presents No Load Index Funds posted at No Load Funds, saying, “Very young stock and bond mutual funds are more likely to put you into the position of being an experimental guinea pig of mutual fund companies and the ETF industry.”

Consumer Boomer presents The Self Directed 401K Plan – Is It For You? posted at Consumer Boomer, saying, “This article gives you some helpful information regarding Self Directed 401k plans and whether or not it will work for you.”

Risk Management and Insurance

AutoInsurance presents Why do some people say dont buy Progressive auto insurance? posted at Auto Insurance, saying, “You may be thinking you’ll switch to Progressive to save some dough but check this out before you do.”

Consumer Boomer presents Whole Life Insurance Advice- When Should You Purchase? posted at Consumer Boomer, saying, “When shopping for life insurance, the options between permanent, or whole life insurance and term life insurance can be confusing. Here’s some helpful information to help you.”

James presents Insurance Fraud ? Biggest Insurance Scams in History posted at Insurance Providers, saying, “Fraud is no plan!”


retirebyforty presents Save By Sharing One Car posted at, saying, “American and Canadian families spend a large portion of their paycheck on transportation. Usually, we spend most on housing, transportation, and food in that order. One of the best ways to reduce that big slice of the expenditure pie is to share one car.”

Charles Chua C K presents 10 Effective Ways to Save Money posted at All About Living with Life.

Walter W. Fouse presents Large Cap Mutual Funds posted at Mutual Funds, saying, “This table of low cost top 10 S&P 500 mutual funds has been organized with the lowest cost index fund first. Nevertheless, each of these S & P 500 index funds is among the least costly on the market.”


Financial Freedom presents Roth Contributions, posted at Retirement Spreadsheet , saying, “The Roth tax optimization puzzle for asset conversions, as well as for annual Roth contributions during working years, is one of the most complex decisions that the ridiculously complex US taxation and retirement planning system forces upon individuals.”

Tommy John presents Former Clients Feel Betrayed By “Tax Lady” Roni Deutch posted at 2010Taxes, saying, “Roni Deutche may have taken millions of dollars in fees for not providing the debt relief services she advertised.”

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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Thanks very much for reading, and here’s hoping you enjoyed this very impressive selection of blog entries!

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