Carnival of Financial Planning

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Welcome to this week’s Carnival of Financial Planning. This edition is arranged by subject heading, so that you can browse efficiently. Enjoy!

BUDGETING AND ECONOMICS

Chris_MoneyandI @ Money & I writes Flight Ticket Refund and Compensation: What’s the difference and when to claim? – A PF blogger explains all you have to know about flight refunds and compensations before claiming them. Check it out yourself!

Robert @ The College Investor writes What is a Spin Off and How Do They Work? – A spin off is what happens when a piece of a company is disconnected from a parent company and made public as its own little piece.

Pete @ Intelligent Speculator writes Passive Income Targets – November 2012 – What are your passive income goals? We look at ours.

Mike @ Experiglot writes How You Can Cope With Failure – Can you handle failure in business?

Hank @ Money Q&A writes How To Switch On To Energy Savings – Let’s face it. Times are hard for everyone. That is an absolute and undisputed fact as the world recession continues to bite despite reports that the financial tide is slowly turning.

SBB @ Simple Budget Blog writes Why Your Budget Should be Flexible – Find out why budgeting is a fluid thing. Keeping to strict of goals or limitations can be a bad thing. Here’s why.

Kyle @ The Penny Hoarder writes The Top 5 Things To Protect a Company’s Staff – In the wake of natural disasters that seem have hit the United States over the last few years, it is important for companies of all sizes to look at ways that they can protect their staff, as well as ensure continuity of their businesses. Here are the top five ways that every business can protect their staff

Sam @ http://creditcardselect.com writes What is the Fiscal Cliff and How Will it Affect You? – The fiscal cliff is one of today’s most talked about financial topics. Learn about the fiscal cliff and how it could affect your finances in 2013.

Savvy Scot @ The Savvy Scot writes On Presents, Presence and Happiness – Savvyscot discusses the evolution of giving and why getting a present is not all that it is cracked up to be in comparison with what else is on offer this Christmas.

Super Saver @ My Wealth Builder writes Wimpy Economics – “I’ll gladly pay you Tuesday for a hamburger today.” was a regular line used by Wimpy, a character in Popeye cartoons. Even as though I was a six year old, I understood the humor in Wimpy’s request. Little did I realize that Wimpy’s view of paying for goods would become the norm.

Joe Cassandra @ 7Minute Entrepreneur writes 2 Intelligent Ways to Invest $100 – Everyone doesn’t have a lot of money to invest, but with just a $100, even the beginners can invest financially and in themselves!

Miss T. @ Prairie Eco Thrifter writes Ways to Ensure a Stress-Free Holiday Season – Prior to this year, I had to ensure that my holidays were as stress free as possible. If I had holiday stress on top of my school and job stress, I would have had a nervous breakdown. Here’s how I made sure that it went as smoothly as possible:

CAREER AND INCOME

Corey @ Steadfast Finances writes How I Would Have Retired Early – Retiring early may be difficult to do, but it is certainly possible. Find out how many have accomplished this feat in record time.

CAPI @ Creating a Passive Income writes Passive Income Selling Tickets – While highly unorthodox, I have stumbled across another potential source of passive income. While not purely passive, it is pretty close to it. The other day I was looking to buy sports tickets for me and another person. I really wanted to go to the game, but I couldn’t believe how early the tickets were The post Passive Income Selling Tickets appeared first on .

Mike @ The Financial Blogger writes Does Your Dream Job Have to Pay Well? – We look at the income situation with a dream gig.

Rohit @ The Money Mail writes Ideas are nothing without execution – What has been holding you back from implementing your ideas? Lets explsore the barriers to execution

Corey @ 20s Finances writes Average Tuition Increase Rates: Why High Projections are WRONG – Statistics show tuition increased 4-7% each year in the past 10 years. While that is high, find out why it won’t continue at this rate.

Martin @ Studenomics writes Proof That Right Now is The Best Time to Make Money Online – I look at how you can make money in your spare time and why right now is the best time ever.

Daniel @ Sweating the Big Stuff writes How an Internship Abroad Helped Shape My Career Path – Most internships don’t have a profound effect on the future, but mine helped propel me to choose my future career and the way I think.

krantcents @ KrantCents writes I Had Multiple Careers and You Should Too! – Multiple careers are better than one! Imagine you were a milkman, elevator operator, switchboard operator and typist; you would be out of work! I remember attending my children’s college orientation when the university chancellor said “we are not training you for a specific job, but for multiple careers”.

Teacher Man @ My University Money writes Prepare for the Job Hunt Before You Graduate – Graduation will be here before you know it and you’ll start your job hunt. Whether you’re a senior, junior, sophomore or even a freshman, now is time to begin preparing for that day. Don’t put it off until your final semester, or even until your senior year.

DEBT AND CREDIT

Philip @ PT Money Personal Finance writes 5 Ways to Improve Your Credit Score – You can get these 5 ways to improve your credit score in several places on the web, but this post offers actionable steps instead of generalities.

MR @ Money Reasons writes Debt Free, Now What? – This is my financial progress since I’ve become debt free. I also share the wealth accumulation strategies that I am currently using!

Michelle @ The Shop My Closet Project writes Vacations during debt repayment-A good or bad idea? – I am currently in the process of repaying my debt. I am getting closer and closer to paying off a couple of credit cards and taking items out of a storage unit (long story). So, in the midst of this why on earth would I take a vacation?

Don @ MoneySmartGuides writes Are You Pretending To Be Rich? – You might be -pretending to be rich- if you do the following things that I write about in this article!

Mike @ Personal Finance Journey writes Quick Pay Day Loans – What do you think? – Want a chance to comment on Pay Day Loans? Personal Finance Journey asks for opinions from readers, industry experts and users to comment and share their opinion.

Ryan @ Early Retirement Investments writes Should You Consider Credit Card Consolidation? – Read my take on whether you should consider credit card consolidation.

Eddie @ Finance Fox writes What is a Short Term Loan? – A short term loan was originally designed to lend a small amount of cash to consumers with the collateral being a check.

Bill @ Budgets Are Awesome writes Why you should refinance a car loan – Refinancing is not just for mortgages. See how you can save money by refinancing a car loan at a much lower rate.

Liana @ Card Hub Blog writes Do Prepaid Cards Build Credit? – An increasingly popular question among consumers is “Do Prepaid Cards Build Credit?” It’s important to know the facts on this if you plan to build and maintain good credit by using plastic.

Gary @ Gajizmo.com writes How To Improve My Credit Score – As the economy and housing market improves, banks may start lending more money to consumers, and that means your credit score is an important factor. Learn how to get a higher credit score with simple, everyday personal finance tips.

INVESTING AND SAVING

Chris @ rVoice – The rplan Blog writes Brief history of the London Stock Exchange – Historical fun facts, stats and trivia on the fourth biggest stock exchange in the world. Check out the new post on the rplan Blog about the history of the London Stock Exchange!

Deacon @ Well Kept Wallet writes 7 Habits of Wealthy People – If you want to be wealthy, who should you study? Rich people, right? Well, here are seven habits of wealthy people that you can implement to start building wealth.

Derek Knight @ Freeat33 writes My Best Financial Tip – There are three different classifications of spending. Essential; Non Essential Life Improving; Non Essential Non Life Improving. Knowing how to define your spending is the best way to reduce unwanted spending.

FMF @ Free Money Finance writes Real Estate 101: Keeping Good Tenants – It’s very important that you find good tenants, but once you find them you want to keep them. These are a few of the things I recommend to retain good tenants.

John S @ Frugal Rules writes Are Large Companies Immune to the Fiscal Cliff? – Unless you’re living under a rock you’ve heard of the Fiscal Cliff. We all know how it could possibly affect individuals, but how would it affect companies? Many companies will have to make decisions about what they’re going to do with their cash after the Fiscal Cliff meets its outcome.

Matt @ Dividend Monk writes Dividend Stocks: The Essential Guide – An overview of the long-term process for building wealth with companies that pay dividends.

Invest It Wisely @ Invest It Wisely writes Consider All Your Options Before Relocating – There are many factors involved with relocating to a new city that should be considered if you hope to avoid the negative impact of debt, isolation and depression.

Rod @ ROD Blog writes Plastic Jungle Review : Buy gift cards for cheap – Is Plastic Jungle the best place to buy gift cards for cheap or get rid of a gift card you will never use? What are the benefits of Plastic Jungle?

Wayne @ Young Family Finance writes Eat healthily and live well for less – Unless you’ve got a supersonic metabolism, chances are you are going to spend some portion of your life watching your waistline. Everyone wants to look good and feel fit, but with bad foods often tasting so good and being readily available keeping svelte is never easy.

ETZ25 @ Entertainment Timez writes iPad mini versus iPod Touch – iPad mini is the clear winner in the purchasing decision between an iPad mini and an iPod Touch.

Amanda L Grossman @ Frugal Confessions writes Waste Not Want Not: Uses for Old T-Shirts – My husband has a thing for t-shirts. Just like my beloved scrapbooks, he looks past the armpit holes, faded colors, and crackling insignias and instead sees

A Blinkin @ Funancials writes Freakin’ Menus – Have you ever looked at a menu and become paralyzed? In the same way, have you ever contemplated investing, but didn’t because of the overwhelming options?

Roger the Amateur Financier @ The Amateur Financier writes Book Review – Get Rich, Stay Rich, Pass It On – Do you want to be rich? That’s probably a silly question; most people out there (to say nothing of all the people who read this blog) want to be rich.

BARBARA FRIEDBERG @ Barbara Friedberg Personal Finance writes 28 IDEAS FOR CHEAP HOLIDAY FUN – Cheap winter fun ideas. Save money creatively. Crafts, hikes, parties and more.

PITR @ Passive Income To Retire writes Don’t be drastic on the plastic this Christmas time – With the possible exception of your summer holiday, chances are that Christmas is your most expensive time of the year.

Div Guy @ The Dividend Guy Blog writes Why Bother Investing in Dividend Stocks When You Have ETFs? – A comparison of different investment vehicles.

Jason @ Work Save Live writes Saving Money on Your Home Security System – Lately I’ve been considering investing in a home security system for my home, and I’ve been researching some of my options for doing it. I want to be secure, but I also want to feel like I got a good deal.

Michael @ Financial Ramblings writes Can You Choose Your Own HSA Provider? – While many employers offer an HSA, you should be aware that you’re free to choose your own provider if you wish. There are advantages and disadvantages to doing so, however, so be sure to familiarize yourself with the details.

Daisy @ Add Vodka writes Spending Money Isn’t Bad – spending money gets a bad rap. Read why I don’t think spending money is a bad thing.

Jon the Saver @ Free Money Wisdom writes 10 Tips for Home Made Meals and a Fatter Wallet – Here are ten tips to make more meals at home and reduce your food bill each month and free up the money for other things in your life!

IMB @ Investing Money writes Important Investing Principles – Learn about several important investing principles that can help you compete with experienced investors.

PPlan @ Provident Plan writes Maximizing Your Experiences (without Breaking the Bank) – It has been nearly two years since my wife and I were struggling to make ends meet.

Rich @ Growing Money Smart writes The Correct Ways To Become Wealthy? – These are the ways to become wealthy that I have learned lately. I’m now living these very techniques.

Tushar @ Finance TUBE writes 10 Must-Have Mobile Apps for Holiday Shopping – Today I will be taking about 10 Must-Have Mobile Apps for Holiday Shopping. A recent survey show that 82 perfect of online shoppers will use shopping apps to save on Holiday gifts this year. They are trying to right to find right apps can be a challenge.

JP @ My Family Finances writes Yakezie Carnival:The End of Black Friday Edition – For years, Black Friday has brought the crazy out in people. I mean standing out in the middle of the night in arctic temperatures brand of crazy. At the end of the ice-cold, wait-till-midnight-to-shop hysteria is an expensive piece of electronic equipment discounted by $100.

Passive Income Earner @ The Passive Income Earner writes Dividend Income – November 2012 – I have been readjusting my RESP investments since I dumped all my mutual funds. I wrote a few posts over RESP and most recently I have shared my RESP strategy. The recent market drops are also providing me with an opportunity to take some profits and add to others – that’s how I rebalance my stocks. Usually one sector will stay up while others are down.

Jennifer Lynn @ Broke-Ass Mommy writes Cripes. Nearly Our Entire Family Emergency Savings Got Gobbled Up – We just depleted our emergency fund, and thank goodness. If we didn’t have one we’d be hurting. Read more on how my Emergency fund got gobbled up!

Crystal @ Budgeting in the Fun Stuff writes Continuing a Free but AWESOME Christmas Tradition! – Have you ever remembered something super cool and can’t believe you ever forgot about it? That happened to me last week. I really love my Christmas card tree!

SavingMentor @ How To Save Money writes Plan Ahead: My Best Financial Tip! – November is financial literacy month and in honour of that occasion, Glenn Cooke over at Life Insurance Canada decided to organize a large group of personal finance bloggers to each publish an article on their best financial tip and this is mine. Lack of planning is one of the biggest and inconspicuous drains on your personal finances there is. Think about it.

Lazy Man @ Lazy Man and Money writes Stop It: Exaggerating Compound Interest Claims – Compound interest is powerful enough without having to pitch the most extreme case and ignore the realities of inflation. Personal finance writers exaggerating the effect of compound interest… Stop it!

Roger Wohlner @ The Chicago Financial Planner writes Mutual Fund Expenses Where Real Holiday Savings Can be Found – As I write this its Cyber Monday, the biggest online shopping day of the year. Where to save a few dollars on this item or that has been the focus of many news stories and discussion. While we all like to save money on the things we buy, these savings are chump change compared with the savings opportunities available by reducing your expenses on the mutual fund and ETFs in which you invest. Here are 5 tips for reducing your investing costs for mutual funds and ETFs to help grow your investments

Jester @ The Ultimate Juggle writes Frugal Family Christmas Activities – Enjoy a glimpse into our frugal family Christmas activities. These activities is why Christmas is my favorite time of the year.

Ted Jenkin @ Your Smart Money Moves writes 6 Things To Do ‘Before’ You Get Divorced – Divorce is never an easy thing to go through no matter what time in life this may happen to you.

Luke @ Learn Bonds writes Why you should dump your savings accounts for savings bonds – A number of factors have to come together to make replacing your online savings account with a TreasuryDirect account, not only a good financial decision, but a practical one.

Derek Knight @ Freeat33 writes Report Reading Rock Star – You Will Be Able to Read Publicly Traded Company Annual Reports Like A Pro. It’s Written Using The Authors Financial Numbers. You Little Voyeur

Josh Thompson @ Becoming Your Own Bank writes Bank on Yourself – Why does bank on yourself sound too good to be true?

Connor @ Cash Cabana writes Ways to Invest in Gold and Silver – Investing in gold and silver is a good way to hedge your portfolio. I explain the three ways of investing in gold and silver.

RISK MANAGEMENT AND INSURANCE

Bryan @ Gajizmo.com writes What Is Whole Life Insurance? – Considering your family’s year-end finances? Contemplating buying life insurance, and want to know more about whole life insurance, one of the most popular types in the market? Learn about its features, investment options, rates, tax advantages, and pros and cons.

Jenny @ TLIQ123 writes What Is Term Life Insurance? – Considering life insurance but unsure about the different types of policies? We focus on detailed explanations of the top term life policies, their features, and who should look into them.

REAL ESTATE AND PROPERTY

Philip @ PT Money Personal Finance writes What’s the Best Way to Collect Rent from a Tenant? – When it came time for my tenant to pay rent, I didn’t have a plan for the payment method. If you have a rental property, this post includes a variety of methods you could use to collect rental fees.

Suba @ Broke Professionals writes My Daughter’s Fortune Gives Me Peace of Mind – A fortune cookie from a local Chinese restaurant had me praying for financial security for my children.

Ashley @ Money Talks Coaching writes I Don’t Just Want a Nest Egg… I Want Nest Chickens – My husband grew up on his grandpa’s farm. From this experience we have several grandpa-isms in our house. One of them is I don’t count my eggs…

Maria @ The Money Principle writes How to Save Money for Care Home Fees – We do eventually get old and we do get to a situation where we need care. This article offers some ideas about how to save for the care home fees.

SFB @ Simple Finance Blog writes The Lengths We Go To For Free Money: The $10 Survey – We’ve all seen the offers to take surveys for money – but when one online survey took far too long, I questioned my motivations for the free money.

Sustainable PF @ Sustainable Personal Finance writes 4 Tips for Teaching Your Child to Live More Sustainably – One day, a couple of years ago, as my son and I headed home from whatever appointment we had, we saw someone toss a can out the window.

Young @ Young And Thrifty writes How Much House Do You Really Need? – As a fairly lazy dude who isn’t a big fun of seeing his Saturdays spent doing housecleaning (and yes ladies, I am a modern man and do my fair share), all I could see in a large house was endless dusting and vacuuming.

RETIREMENT AND TAXATION

FMF @ Free Money Finance writes The Key Numbers That Make Or Break Your Retirement Security – Use retirement calculators to plan, test, and hypothesize your retirement future. They’re extremely useful when properly applied with a clear understanding of their inherent limitations.

Lance @ Money Life and More writes 2013 401(k), IRA and Retirement Plan Contribution Limits – Great news! The IRS has announced their new retirement plan contribution limits for 2013 and they actually increased this year! If you already max out your retirement accounts you can contribute a bit more this year.

TDB @ Tax Deduction Blog writes What to do if you miss the tax filing deadline? – IRS is one of most feared organization. What will happen if you miss the deadline to file for federal taxes? What can you do about it? Read more.

Tushar @ Start Investing Money writes Get the Most Back – Benjamin Franklin once said that there are only two things in life that are certain- death and taxes. To many people, the thought of paying their taxes at the end of the year is a mind-numbing, heartbreaking prospect.

Super Saver @ My Wealth Builder writes Waiting for the Fiscal Cliff and Sequestration to Happen – It’s inevitable, despite the pre-Thanksgiving Kumbaya moments.