{"id":4065,"date":"2012-07-13T14:00:18","date_gmt":"2012-07-13T18:00:18","guid":{"rendered":"http:\/\/theamateurfinancier.com\/?p=4065"},"modified":"2012-07-13T13:49:53","modified_gmt":"2012-07-13T17:49:53","slug":"carnival-financial-planning-july-13th-2012-edition","status":"publish","type":"post","link":"https:\/\/www.theamateurfinancier.com\/blog\/carnival-financial-planning-july-13th-2012-edition\/","title":{"rendered":"Carnival of Financial Planning – July 13th, 2012 Edition"},"content":{"rendered":"

Welcome to yet another Carnival hosted by yours truly, The Amateur Financier. \u00a0This time around, I’m lucky enough to be hosting the Carnival of Financial Planning, a good goal for all of us. \u00a0Here’s thanks to everyone who submitted an entry, and here’s hoping that there’s plenty of good advice to be found in these article. \u00a0Please enjoy them (and the pictures and captions that I added, to give the carnival a touch of Roger).<\/p>\n

Carnival of Financial Planning 07-13-2012<\/p>\n

Planning and Investment Articles from Personal Finance Blogs<\/h3>\n

Carnival of Financial Planning – Money Management Edition #245 – July 13,\u00a02012<\/h3>\n

Welcome to the July 13, 2012 — Money Management Edition #245 of the Carnival of Financial Planning<\/em>.<\/p>\n

This edition is arranged by subject heading, so that you can browse efficiently.<\/p>\n

Enjoy!<\/p>\n

The Skilled Investor<\/a>, Editor<\/em><\/p>\n

Budgeting and Economics<\/h3>\n
\"\"<\/a>
I know, budgeting is hardly anyone’s favorite task, but it must be done…<\/figcaption><\/figure>\n


\nJP<\/strong> presents How Does the Average Family Budget Compare to Yours?<\/a> posted at My Family Finances<\/strong>, saying, “We are obsessed with being more than average. So, if you want to avoid the average family budget, it helps to know what it is. ”<\/p>\n

Carrie Smith<\/strong> presents 10 Strategies For Saving Money While Paying Your Bills<\/a> posted at ReadyForZero Blog<\/strong>, saying, “Trying to save money while paying off your bills can seem impossible sometimes – but with the right strategies in place it doesn’t always have to be. This post describes things you can do to help you pay your bills and put money aside too. ”<\/p>\n

Marie<\/strong> at Family Money Values presents All Star Game<\/a> posted at Family Money Values<\/strong>, saying, “The recent MLB All Star game was had a disappointing outcome for American League fans…. if you had gone would you now be sorry if you paid upwards of $3000 per person to attend? It was easy to do, see how it breaks out in this post. ”<\/p>\n

Charles<\/strong> presents Leave Your Wallet At Home? PayPal Has A Digital Answer\u2026 <\/a> posted at Wallet Hub<\/strong>, saying, “pending, it just keeps getting easier and easier. Now all you need is a PayPal account, your cell phone number, and PIN and you don’t need to worry about leaving your wallet behind when you go to some retailers\u2026 ”<\/p>\n

Darwin<\/strong> presents Real Unemployment Rate Explained<\/a> posted at Darwin’s Money <\/strong>, saying, “The real unemployment rate is NOT 8.2%. Learn about the government-contrived figures and what the real rate is, as well as some shocking charts. ”<\/p>\n

Liana<\/strong> presents CFPB Reveals Credit Card Companies with Most Consumer Complaints<\/a> posted at Card Hub<\/strong>, saying, “Now if credit card companies don’t play nice, the whole world will know about it. The CFPB just added more transparency to the whole industry. ”<\/p>\n

Dan<\/strong> presents\u00a0Wall Street Markets <\/a> posted at\u00a0Wall Street Stocks <\/strong>, saying, ” From the days when front-running involved actual running to the \u201cVictorian Internet era\u201d brought on by telegraphy, we can learn a great deal from looking back at a simpler era.”<\/p>\n

YFS<\/strong> presents Could You Survive At the Povery Line?<\/a> posted at Your Finances Simplified<\/strong>, saying, “Sometime ago, very early in my blogging career. Ha, I’m writing this as if I didn’t start blogging in October of 2011. Time sure does fly.. ”<\/p>\n

Financial Planning<\/h3>\n
\"\"<\/a>
Whether it’s a building or a retirement, you’ll always be most successful if you plan ahead.<\/figcaption><\/figure>\n


\nPITR<\/strong> presents Passive Income with a Bed and Breakfast?<\/a> posted at Passive Income To Retire<\/strong>, saying, “It was just last week that I was at a friends wedding. It was a great time to celebrate with them, and as it turns out, it was my first time at a bed and breakfast. For the first time, I got a close-up view of what it takes to run a bed and breakfast. ”<\/p>\n

Passive Income Earner<\/strong> presents Easy Investing With Computershare<\/a> posted at The Passive Income Earner<\/strong>, saying, “Are you familiar with Computershare? I learned about the marvels of Computershare in my mid-thirties and I must admit that I wish I had learned about it in my early twenties.”<\/p>\n

Don<\/strong> presents Interviews With The One Percent<\/a> posted at MoneySmartGuides<\/strong>, saying, “I previously wrote about Occupy Wall Street and how the 99 Percent can make it. ”<\/p>\n

Jen<\/strong> presents Earn Money Online: Cash Crate<\/a> posted at Master the Art of Saving<\/strong>, saying, “Ways to earn money online with Cash Crate ”<\/p>\n

Eddie<\/strong> presents What Dating Etiquette? Coupons Are Sexy On First Dates!<\/a> posted at Finance Fox<\/strong>, saying, “Looking to impress your next date? Simply use a coupon. Yes, you read that right, coupons are sexy even on first dates. ”<\/p>\n

Amanda L Grossman <\/strong>presents Alleviating Financial Stress for the Sake of Your Health<\/a> posted at Frugal Confessions<\/strong>, saying, “Stress can do horrible things to your body. While everyones body reacts to it differently, some of the common ways stress manifests itself is through headaches, migraines, stomachaches, sleep deprivation, ulcers, and panic attacks. Learn how I manage such issues. ”<\/p>\n

Aloysa<\/strong> presents How Much Your Car Really Costs You?<\/a> posted at My Broken Coin<\/strong>, saying, “This is an analysis of the real cost of owning and using your car. ”<\/p>\n

Tushar<\/strong> presents Are Your Parents Jeopardizing Your Savings Plans?<\/a> posted at Start Investing Money<\/strong>, saying, “Are Your Parents Jeopardizing Your Savings Plans without even knowing it? After all, we are a product of our childhood and the way that we were raised… ”<\/p>\n

PFP<\/strong> presents Financial planning reading<\/a> posted at\u00a0Financial Planning Reader <\/strong>, saying, ” Clients often ask what they should read to improve their financial literacy. ”<\/p>\n

Jason<\/strong> presents Why I’ll Never Get My Future Kid a Credit Card<\/a> posted at Work Save Live<\/strong>, saying, “Here are my experiences with a credit card as a kid, and why I will never add my future kids as authorized users on my credit card… ”<\/p>\n

Invest It Wisely<\/strong> presents Zen Personal Finance: My Philosphy, and What It Means to Invest It Wisely<\/a> posted at Invest It Wisely<\/strong>, saying, “What is zen personal finance? Is it a new-age thing? Is it a type of meditation? Is it a new way of looking at our finaces? Read more to learn what it really is! ”<\/p>\n

Daisy<\/strong> presents 5 Things That Can Be Outsourced On Your Blog<\/a> posted at Add Vodka<\/strong>, saying, “Blogs are a lot of work. For me, anyway. I spend a lot of time, every single day, doing blog related activity. Even when I am on vacation I still try to answer blog related emails. ”<\/p>\n

Kevin<\/strong> presents Your Investments Are in Big Trouble<\/a> posted at Thousandaire<\/strong>, saying, “If the government bubble bursts your money is in big trouble if you aren’t prepared ”<\/p>\n

Kyle<\/strong> presents Can You Make Money Online Without Selling Your Soul?<\/a> posted at The Penny Hoarder<\/strong>, saying, “This article talks about ways to make money online without it consuming your every waking minute! ”<\/p>\n

Insurance and Risk<\/h3>\n
\"\"<\/a>
Not the type of risk these posts are discussing. (Although, if you could make insurance against gambling losses work…)<\/figcaption><\/figure>\n


\nJeff Rose<\/strong> presents Collateral Assignment of Life Insurance Policy Proceeds<\/a> posted at Life Insurance By Jeff<\/strong>, saying, “Are you looking for a way to secure a loan, but do not have the credit rating or typical collateral in order to do so? Then you might want to consider the assignment of life insurance policy as collateral for a loan. This relatively new field in the obtainment of loans uses your own life insurance policy as the means for you to obtain the type of loan you want. ”<\/p>\n

Lawrence<\/strong> presents\u00a0ID theft protection<\/a> posted at Best Financial Planner<\/strong>, 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.”<\/p>\n

Hank<\/strong> presents What Is A Cafeteria Plan For Health Insurance?<\/a> posted at Money Q&A<\/strong>, saying, “What is a cafeteria plan for health insurance? It is a type of employee health insurance plan that allows employees to choose from different types of health benefits ”<\/p>\n

Investing<\/h3>\n
\"\"<\/a>
“Investing in A Child’s Smile” doesn’t really count…<\/figcaption><\/figure>\n

Dan<\/strong> presents Can Dividend Dogs Beat the Street?<\/a> posted at ETFBase<\/strong>, saying, “This newly crafted ETF called Dividend Dogs seeks to beat the market and the back-tested data shows it would. Here’s a look under the hood. ”<\/p>\n

Luke<\/strong> presents All About High Yield Bond Funds<\/a> posted at Learn Bonds<\/strong>, saying, “Everything you want to know about investing in high yield bond mutual funds and ETFs. How they work, who should invest, and more! ”<\/p>\n

Roger Wohlner <\/strong>presents Should you Micromanage Your Mutual Fund Manager?<\/a> posted at The Chicago Financial Planner<\/strong>, saying, “If one purchases an actively managed mutual fund (or separate account, annuity sub-account, closed-end fund, ETF, etc.) they are buying that manager\u2019s skill and their ability to achieve some expected result. Micromanaging an individual purchase, such as the purchase of Facebook shares defeats the point of hiring an investment manager. Evaluate a fund on its overall performance, its risk-adjusted returns, etc., not on one particular holding or purchase. ”<\/p>\n

Kelly<\/strong> presents Investment\u00a0risk tolerance <\/a> posted at Investment Risk<\/strong>, 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.”<\/p>\n

Parker<\/strong> presents\u00a0Index Funds<\/a> posted at Preferred\u00a0Funds<\/strong>, saying, “Some mutual funds and ETFs must be better than others, but which ones are they? How can you tell before the fact?”<\/p>\n

Dividend Growth Investor <\/strong>presents Five Dividend Geese Laying Golden Eggs for Investors<\/a> posted at Dividend Growth Investor<\/strong>, saying, “The story of the golden goose describes very well the world of dividend investing. On the outside, dividend stocks act like normal stocks as they go up in bull markets and go down in bear markets. On the inside however, these cash machines generate so much in excess cash flow that they are able to successfully reinvest in their business, while also paying higher dividends every year. ”<\/p>\n

Managing\u00a0Debt<\/h3>\n
\"\"<\/a>
Avoiding these is a good way to start.<\/figcaption><\/figure>\n

Jon the Saver<\/strong> presents Paying off Debt? Follow your Own Rules<\/a> posted at Free Money Wisdom<\/strong>, saying, “When it comes to paying off debt, I’ve realized two things: it’s a long process, and you have to make your own rules. Depending on how much debt you have to begin with, it can take years to get yourself out of the red. ”<\/p>\n

Maria<\/strong> presents Investing as science, an art form and a game<\/a> posted at The Money Principle<\/strong>, saying, “Investing is challenging not because of the amount of knowledge we need but because we need different kinds of knowledge. ”<\/p>\n

Greg Field <\/strong>presents US Bank+ Credit Card<\/a> posted at NerdWallet.com<\/strong>, saying, ” A great article of a new credit card with some financial planning insights. ”<\/p>\n

Real Estate<\/h3>\n
\"\"<\/a>
“Moving on Up, to the East Side, to that Deluxe Apartment in the Sky…”<\/figcaption><\/figure>\n

Suba<\/strong> presents My Financial Bucket List<\/a> posted at Broke Professionals<\/strong>, saying, “I’m trying to get the highest return on investment… the investment of life. Here are the top five financial goals on my bucket list. What are yours? ”<\/p>\n

Philip<\/strong> presents The Best Places to Advertise (and List) Your Rental Propert<\/a> posted at PT Money Personal Finance<\/strong>, saying, “If you have a rental property, and you want to do more than put a sign in the yard to find a renter, here are the best ways to find someone. ”<\/p>\n

Retirement<\/h3>\n
\"\"<\/a>
Let’s be honest, when most of us hear the word ‘retirement’, we picture (and hope for) something like this.<\/figcaption><\/figure>\n

SB<\/strong> presents 20 Best Practices for Retirement Saving<\/a> posted at One Cent at a Time<\/strong>, saying, “60% of Americans are either not saving for retirement, or saving too little. If you’e one of them, start acting now, here’s the 20 nest practices for retirement saving. ”<\/p>\n

Whitney<\/strong>\u00a0presents Retirement Planning Software<\/a> posted at Retirement Savings<\/strong>, 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.”<\/p>\n

Knowles <\/strong>presents\u00a0SandP 500\u00a0Funds<\/a> posted at\u00a0Large Cap Index Funds<\/strong>, saying, “The no load index fund strategy of the Schwab S & P 500 Index Fund tracks the S and P 500 stock index. This no load index fund was listed as one of the top 25 lowest cost index mutual funds in a research study.”<\/p>\n

Savings<\/h3>\n
\"\"<\/a>
LEAVE. THE PIG. ALONE!<\/figcaption><\/figure>\n

Sustainable PF<\/strong> presents What is Freecycling?<\/a> posted at Sustainable Personal Finance<\/strong>, saying, “What is Freecycling? The idea is simple: If you have an item that you no longer want there is a chance that someone else wants – you offer to give it away for free. ”<\/p>\n

Freedom<\/strong> presents\u00a0Savings\u00a0Rates <\/a> posted at Financial Freedom Plan <\/strong>, saying, ” Understand how your current savings rate and retirement withdrawal rate would affect all of \u00a0your retirement assets.”<\/p>\n

Taxes<\/h3>\n
\"\"<\/a>
Why is there a picture of the devil under the heading ‘Taxes’? I’m sure you can draw your own conclusions…<\/figcaption><\/figure>\n

Paul <\/strong>presents\u00a0Retirement Planning<\/a> posted at Tax Planning Software<\/strong>, 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.”<\/p>\n

That concludes this edition.\u00a0Submit your blog article to the next edition of Carnival of Financial Planning<\/strong> using our carnival submission form<\/a>. Past posts and future hosts can be found on our blog carnival index page<\/a>.<\/p>\n

Technorati tags: carnival of financial planning<\/a>, blog carnival<\/a>.<\/p>\n

 <\/p>\n

 <\/p>\n","protected":false},"excerpt":{"rendered":"

Welcome to yet another Carnival hosted by yours truly, The Amateur Financier. \u00a0This time around, I’m lucky enough to be hosting the Carnival of Financial Planning, a good goal for all of us. \u00a0Here’s thanks to everyone who submitted an entry, and here’s hoping that there’s plenty of good advice to be found in these […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"footnotes":""},"categories":[148],"tags":[],"class_list":["post-4065","post","type-post","status-publish","format-standard","hentry","category-blog-carnivals","wpautop"],"yoast_head":"\nCarnival of Financial Planning - July 13th, 2012 Edition | The Amateur Financier<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.theamateurfinancier.com\/blog\/carnival-financial-planning-july-13th-2012-edition\/\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Roger\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"11 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.theamateurfinancier.com\\\/blog\\\/carnival-financial-planning-july-13th-2012-edition\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.theamateurfinancier.com\\\/blog\\\/carnival-financial-planning-july-13th-2012-edition\\\/\"},\"author\":{\"name\":\"Roger\",\"@id\":\"https:\\\/\\\/www.theamateurfinancier.com\\\/blog\\\/#\\\/schema\\\/person\\\/08574c7c42732c7cc4346dc3fec0e881\"},\"headline\":\"Carnival of Financial Planning – July 13th, 2012 Edition\",\"datePublished\":\"2012-07-13T18:00:18+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.theamateurfinancier.com\\\/blog\\\/carnival-financial-planning-july-13th-2012-edition\\\/\"},\"wordCount\":2332,\"commentCount\":0,\"image\":{\"@id\":\"https:\\\/\\\/www.theamateurfinancier.com\\\/blog\\\/carnival-financial-planning-july-13th-2012-edition\\\/#primaryimage\"},\"thumbnailUrl\":\"http:\\\/\\\/theamateurfinancier.com\\\/wp-content\\\/uploads\\\/2012\\\/07\\\/budgeting-300x224.jpg\",\"articleSection\":[\"Blog Carnivals\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/www.theamateurfinancier.com\\\/blog\\\/carnival-financial-planning-july-13th-2012-edition\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.theamateurfinancier.com\\\/blog\\\/carnival-financial-planning-july-13th-2012-edition\\\/\",\"url\":\"https:\\\/\\\/www.theamateurfinancier.com\\\/blog\\\/carnival-financial-planning-july-13th-2012-edition\\\/\",\"name\":\"Carnival of Financial Planning - 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