Welcome to the Carnival of Financial Planning – Thanksgiving Prep Edition. This is the last weekend you have to get the house ready for all of the guests coming over for Thanksgiving dinner. After you’ve spent all shopping and cleaning up the house, relax with your drink of choice and check out these great posts from the personal finance blogosphere!!
BUDGETING AND ECONOMICS
Beating Broke @ Beating Broke writes Dollar Cost Averaging: Not Just for Stocks – There might be some argument that dollar cost averaging doesn’t work very well for consumables. However, I believe dollar cost averaging works especially well for things that regularly fluctuate in price.
Jason Hull @ ReadyForZero Blog writes Curb Your Spending by Giving Yourself More Paydays – Give yourself more paydays to curb your spending. Jason Hull talks about how this works and how it can help you.
J.P. @ Novel Investor writes To The Fiscal Cliff…And Beyond – This fiscal cliff, as it stands, leaves a big question mark on our economic future. The concern going forward lies with the possible effects of expiring tax cuts.
Michael @ Financial Ramblings writes Why Rebalance Your Portfolio? – Simply stated, rebalancing your portfolio helps you to reduce tracking error and keep your risk in check. Nothing more, nothing less. Sure, you can “let your winners run” in hopes of capturing higher returns, but that comes (potentially significantly) increased risk.
Amanda L Grossman @ Frugal Confessions writes 7 Ways I am Working Smarter – When I first heard the phrase (work smarter, not harder), I dismissed it as business jargon for (work harder for us with no extra pay).
Roger Wohlner @ The Chicago Financial Planner writes Mutual Funds – B Shares are a Dumb Ox – I can’t think of any reason to put a client in a B share fund other than greed. As always, be sure that you understand ALL expenses and fees that you will be paying when working with a financial advisor. What you don’t know can really reduce your investment returns.
CAREER AND INCOME
Derek Knight @ Freeat33 writes Gas Pumps and Failed Negotiations – Learning about negotiating is passing or failing. This lesson was learned while failing. Here is the story.
Michael @ PT Money Personal Finance writes McDonald’s as a Career? – McDonald’s makes a good first-time, part-time job, but have you ever considered it as a career path? Michael shares his personal story and the biggest hurdle he would have to overcome if he wanted to continue climbing the ladder at the Golden Arches.
CAPI @ Creating a Passive Income writes Supplement your passive income online – Traditionally, working meant spending Monday to Friday, 9-5 in an office building and living for that moment of freedom when the clock hit 5 on a Friday. The advent of the internet has changed all of that and the way we work has been adapted to include the flexibility of new technology. The World Wide The post Supplement your passive income online appeared first on .
Corey @ Steadfast Finances writes Student Loans – Yea or Nay? – Student loans have advantages and disadvantages. Find out whether students loans are right for you.
Steve @ Ready To Quit My Job! writes Quitting Without Retiring: Keep Your Name Prominent – Quitting doesn’t have to mean retirement. Keep in touch and don’t fade into obscurity.
DEBT AND CREDIT
Lance @ Money Life and More writes What Would You Do?: Should I Refinance My Mortgage? – I reached out to a mortgage banker I have dealt with in the past and asked for a quote. Inside are the details of my mortgage situation along with the quotes I received. Do you think I should refinance my mortgage based on these circumstances?
Hank @ Money Q&A writes How To Stay Out Of Debt This Holiday Season – Here are several ways that you can avoid adding to your debt this Christmas. There are ways that you can learn how to stay out of debt this Christmas and holiday season.
Jamie @ Financial Footsteps writes Student Loans Should Not Have Pre-Payment Fees – Pre-payment fees can make loans more expensive than they should be. See why you should get a loan without pre-payment fees when possible.
Connor @ Cash Cabana writes Best Layaways in 2012 – Some stores have better layaways than others. See the layaway policies for K-Mart, Toys R Us, and WalMart.
INVESTING AND SAVING
FMF @ Free Money Finance writes Real Estate 101: Finding Good Tenants – Finding a good tenant sometimes takes a little patience, but it is time well spent. Careful selection of good tenants is the most important decision you will make about the day-to-day operations of your real estate business. Many decisions are important but if you consistently get the tenant decision wrong, none of the other decisions will really matter much.
John S @ Frugal Rules writes You Won’t Reach Retirement Without Saving for It – Saving for retirement is not something that happens overnight, rather it takes years of commitment. Start investing now, even if in small amounts, and put time on your side. One of the easiest ways to begin is to take advantage of free money offered in 401k matches.
Shawanda @ You Have More Than You Think writes Build a Budget-Friendly Gym in a Small Space – If you’re new here, you may want to subscribe to my RSS feed or e-mail. Thanks for visiting! TweetSharebar Tweet450 square feet. That’s the current minimum apartment size in New York City.
Michelle @ The Shop My Closet Project writes River Loses It or a Firefly money moment – River from Serenity give financial advice drama style, or at least this is how it would play out.
Kyle @ The Penny Hoarder writes The 5 Weirdest Things We’ve Sold for Cash – Over the past few years my family has made close to $7000 by selling unwanted stuff from our closets. My husband is a musician, and musicians have a lot of crap…er, gear, so that helped with our earnings.
Wayne @ Young Family Finance writes Is gaming online worth it? – With the cost of living continually on the increase it’s always a tough decision to decide how to part with your money and what to spend on entertainment.
Daisy @ Add Vodka writes October Spending – When I first heard the phrase (work smarter, not harder), I dismissed it as business jargon for (work harder for us with no extra pay).
Rich @ Growing Money Smart writes Optimal Wealth Is A Narrow Range – Like all things in live, Optimal Wealth Is A Narrow Range! This means that you need the right formula and mixture of income, saving, debt and spending to live optimally.
Crystal @ Budgeting in the Fun Stuff writes We Scared Ourselves – Now to Stop Spending Like Crazy People… – Today is the last day of our October to November budget period. And we were bad. Really bad. We have plans next year, so we have to start saving again.
SBB @ Simple Budget Blog writes Keep Your Budget Simple – Don’t make things too complicated when budgeting. Find out how you can keep your budget simple.
Michael @ Financial Ramblings writes Why Rebalance Your Portfolio? – Simply stated, rebalancing your portfolio helps you to reduce tracking error and keep your risk in check. Nothing more, nothing less. Sure, you can “let your winners run” in hopes of capturing higher returns, but that comes with (potentially significantly) increased risk.
A Blinkin @ Funancials writes The Fiscal Cliff is a Solution, Not a Problem – Once the media gets a hold of an idea and it enters it’s way into everyday conversation, it’s either over-hyped or (not as bad as they say.) In my opinion, the Fiscal Cliff falls into the (not as bad as they say) category.
krantcents @ KrantCents writes Moving When You Retire Is Dumb! – Unless you are moving with friends and family, moving when you retire is dumb! You have roots in the neighborhood, family and community. Social connections are very important to living a long happy life.
Daniel @ Sweating the Big Stuff writes Think Hurricane Sandy Doesn’t Affect You? Think Again – While most of America lives in states not affected by Hurricane Sandy, the entire country will feel its effects, especially the bad and ugly ones.
Jason @ Work Save Live writes Go Green! Save Money! – Over the last several years, everything in the store seems to be “going green”. I see it on packaging and see it on advertising – it’s on just about everything and down every aisle. However, one of the biggest drawbacks about going green also meant shelling out more cash.
Roger the Amateur Financier @ The Amateur Financier writes 3 Negative Side Effects of Pregnancy (That Nobody Mentions) – This week has been a pretty interesting week. I have been attending Lamaze classes with my thirty-six week pregnant wife this week, and it’s been something of
Ray @ Squirrelers writes Are You What Your Record Says You Are? – There is a saying from the sports world that says, in effect, that “you are what your record says you are”. Does this concept apply to our personal finances, and where we are currently at? Does this reflect who we are financially?
RISK MANAGEMENT AND INSURANCE
John @ Card Hub Blog writes Ask the Experts: How Hurricanes Affect Our Wallets & the Economy – We’ve seen the physical aftermath of Hurricane Sandy on the news. But, have really looked at the full financial impact the storm had. There are measures that can be taken to protect not only yourself, but your businesses and finances as well – Learn from the past.
REAL ESTATE AND PROPERTY
Paul Vachon @ The Frugal Toad writes 5 Things That Must be on Your Moving to do List – A moving to do list is essential for a successful move and can save both time and money. Add these tips to your own moving to do list for a problem free move.
Eddie @ Finance Fox writes Lessons Learned From 3 Years as a Home Owner – Three years ago this September I bought my first home, and in the process made the biggest financial decision of my life.
Charles @ Wallet Hub writes “Getting Ready for Pre-Approval ” – After the collapse of the housing bubble, getting a loan to buy a home became a lengthier process. No longer are lenders falling over themselves to get your business. Know what you should have to get pre-approval before you start shopping.
RETIREMENT AND TAXATION
TDB @ Tax Deduction Blog writes What Can You Do If You Cannot Pay Your Tax Bill – It can be distressing when you are done with your tax return and then get to know that you do not have sufficient money to pay the additional taxes that you owe to the IRS. There is no need to dread about it and the recognition that you are unable to pay your taxes on…
Super Saver @ My Wealth Builder writes How to Tax the Rich Without Vilifying Thme – My answer is to cap or eliminate itemized deductions.
Passive Income Earner @ The Passive Income Earner writes RESP or No RESP? – Deciding on funding an RESP is usually based on the desire to provide the best for your children through higher education. Banks or advisors will bring it forward and highlight the 20% contribution from the government in the form of a CESG grant and the tax free growth. They want you to buy their products.