Carnival of Financial Planning

Welcome to this week’s edition of the Carnival of Financial Planning.  The carnival is a rotating spotlight of some great posts across all areas of personal finance.  To participate in the carnival, submit a post via the carnival submission form at Blogger Carnivals.

Enjoy!  And if this is your first time at Planting Our Pennies, go ahead and check out our most recent 3 Part Series on The Actual Cost of Pool Ownership.



Charles @ Wallet Hub writes Title Insurance Guide – Most homebuyers know they’re required to take out title insurance, but but many remain uncertain about why this is so – or even what title insurance is. This guide will introduce you to the basics of title insurance and make you a smarter homebuyer in the process.

Justin @ The Frugal Path writes FInd Your Financial Path: Start Today – Sometimes the hardest step is the very first one that you must take. This can be especially true with personal finances.

Jacob @ Cash Cow Couple writes Why You Probably Can’t Afford a Dog – Unless you’ve stashed a mound of cash in the doggy fund, you should probably take a good hard look at the total cost of owning a new dog.

Harry Campbell @ Your PF Pro writes Ever Taken Advantage of a Satisfaction Guarantee Offer? – “Satisfaction Guarantee” is a term that I hear thrown around a lot these days. My interpretation of that phrase is that if I’m not satisfied with any aspect of the service or product I receive, I’m entitled to a full refund. That seems like a pretty bold statement, doesn’t it? What business in their right mind would allow a customer to get a refund for any reason? Seems to me like they wouldn’t make any money that way, but yet we still see these guarantees all the time.

Tony @ We Only Do This Once writes 7 Tips To Succeed As A Day-Job Entrepreneur – Do you have what it takes to become the successful entrepreneur you know you’re meant to be? Many people think they do have what it takes, but never pursue it, leaving untapped energy sources, full of potential.

Little House @ Little House in the Valley writes 30 Day Challenge. . .Saving Big with Little Things – Many people feel that only rich people need to put effort into managing their money, but the truth is that smaller incomes need to be monitored and managed just as much if not more.

John @ Card Hub writes Spring is Here, Summer Vacations Are Near: Tips for Planning and Saving – Regardless of what screams spring to you, summer will be here before we know it, so it’s probably wise to start planning potential trips soon. Planning a vacation sooner rather than later gives you something to look forward to, enables better budgeting, and offers more time to find the best possible deals on hotels and airfare.



Michelle @ Making Sense of Cents writes How To Make Money Blogging – Today’s post is the post that a lot of you have been waiting for. I don’t think a single day goes by without me receiving an e-mail regarding how a person can make money blogging. Sometimes it’s bloggers who e-mail me, but also half the time the e-mails are from readers who do not have a blog but are interested in starting one. As most of you have obviously seen, a big bulk of my extra income every month comes from my blog in some form (nearly $7,000 was from blogging just last month): adv

Suba @ Broke Professionals writes Should You Have To Pay for Public School? – In our new school district, parents have to pay school tuition for full-day kindergarten. Is it justifiable given the economy, or an undo burden?

Don @ MoneySmartGuides writes Reader Writes: Retirement Worries – The following is am email from a reader named Jim: We’re about to send our youngest off to law school in about 3 months. Read why he’s worried about retirement, and rightfully so.

Corey @ 20s Finances writes Is Gen Y Really That Bad Off? – I don’t want this post to come off sounding that I think being a recent college graduate and finding a job is a piece of cake. I am simply questioning everything I am reading so that hopefully we can have a discussion. With that said, I think the media is overblowing this entire crisis.



Jerry @ writes A Bright Spot In Our Credit Crazed Country – Recent figures reflect credit card usage among Americans 24 and under shows some positive signs. We take a deeper look into the details.

CAPI @ Creating a Passive Income writes Get Out Of Debt Using Passive Income – Got debt on your mind? Finding yourself deeper in debt problems? Passive income may be able to help. Here are some great tips on getting out of debt.

BARBARA FRIEDBERG @ Barbara Friedberg Personal Finance writes 3 DEBT LESSONS FROM DEAD POETS SOCIETY – Debt Heroes inspire you to get out of debt. Become debt free.



Jon @ Novel Investor writes What Great Investors Look For In A Stock – While every great investor has their own unique strategy, the main points overlap. You start to get a picture of what they look for in a company.

LaTisha @ Young Finances writes 9 Principles of Success – How to achieve success in your personal and professional life by following nine simple principles.

Crystal @ Married (with Debt) writes Thanks to These Blog Carnivals – April 2013 – Hi again! Every week, we submit our favorite posts to a variety of blog carnivals. When we are selected, it is common courtesy (and an expectation) that we link back to those that included us.

Wayne @ Young Family Finance writes Four Debunked Financial Myths – Though you’ve heard much about them, the following four financial myths need to be taken with a grain of salt and skepticism.

Tushar @ Finance TUBE writes 6 Ways To Teach Your Kids All About Money – Today I will be telling you about 6 Ways To Teach Your Kids All About Money. Kids are fast learner so one of the best lessons that we can teach them is money management. However money management is often heard from an adult tribe.

A Blinkin @ Funancials writes You WILL NOT Save More Later – If you’re a recent college graduation, you think you’ll save more later – just as soon as you get married. If you’re recently married, you think you’ll save more later – after you travel the country. If you have children, you think you’ll save more later – as soon as they get older.

SB @ One Cent at a Time writes A Case for Penny Pinching – Habits of Some Richest Celebrities – This post talks about penny pinching as followed by some well known celebrities. The aim is the inspire you to follow the path of frugality even when you have enough cash to spend.

Div Guy @ The Dividend Guy Blog writes What Cyprus Banks Have in Common with US And Canadian Banks? – A look at banks and how they compare.

Michelle @ The Shop My Closet Project writes Getting paid to lose weight, finally something to motivate me – My job has just launched a health and wellness program. Employees who log in an activity at least 12 times a month for the next year will be paid $300. We will be paid quarterly and I am really excited about this program. This came at the right time for me because I have finally, finally gotten serious about working through the process of getting fit.

Hank @ Money Q&A writes Why Socially Conscious Investing May Be Costing You A Lot Of Money – Socially conscious investing may seem like a great idea for investors, but it limits your pool of investment choices, has high fees, and may not be a great investment after all.

Steven @ MyDividendStocks writes Socially Responsible Investing (SRI) – People who are afraid to invest sometimes entertain the thought of just digging a hole in the back yard and buying their cash. Of course this would be financial suicide to do so. Those who have cash in a savings account and are afraid to invest it are doing more harm than good.

Ted Jenkin @ Your Smart Money Moves writes Four Rules Of Thumb That Are Thumbs Down – For many years I have seen articles galore in the major magazines giving consumers -rules of thumb- about making financial decisions.

Maria @ The Money Principle writes Have you paid off your Christmas bills yet? – Piling the bills for the summer holiday over the debts built during Christmas may not be the way to go if one is to be better with money.

SBB @ Simple Budget Blog writes Think Smart, Talk Smart – Saving Money on Holidays – Holidays are always a fun but expensive affair. With flights to pay and accommodation to arrange, you already spend a fair bit before you even head out. Then once you’re out there, you have to watch how much you spend because you only have a limited amount of spending money.

Robert @ The College Investor writes 5 Reasons to Invest in a Timeshare – While I was always a little leery on this investment, I think there are times when it can make sense to purchase one. In fact, I believe there are five reasons to invest in a timeshare. Let’s take a look at when it makes sense.

Jon the Saver @ Free Money Wisdom writes Best Time to Buy Christmas Lights – Right now is the best time to buy Christmas lights. Did you know that? Get in on the savings today so you don;t waste money come December!

MMD @ My Money Design writes Using the Dividend Payout Ratio to Help Evaluate Stocks – The dividend payout ratio helps to reveal not only how a company uses its earnings, but also the potential for increasing dividend payments.

Harry Campbell @ Your PF Pro writes What Should I Do With My Bond Funds? – Bonds are an essential part of any diversified portfolio. Although we generally don’t expect the same high returns with bonds as we do with stocks, there is much less risk. Bond funds can be a great diversification tool since they have low correlation with stock funds. Essentially, that means that the health of the stock market will have little to do with the bond market. Stocks could be soaring while bonds remain relatively neutral or even negative(and vice versa).



Barry Simpson @ Money Infographics Blog writes Less Compensation due to Accident Law Change [Infographic] – A review took place in 2010 by Lord Justice Jackson to avert ‘spurious’ personal injury claims from reaching the courts of the UK. The solution he came to for this issue was to make sure that any claimant would have to pay anywhere up to 25% of the compensation they are awarded back to the solicitor that is representing them.



Little House @ Little House in the Valley writes Making the Most of Your Small Garden Spaces – The good news is that with a few simple updates, you can create a beautiful garden, in spaces both big and small. Here’s a look at how.

SFB @ Simple Finance Blog writes Why Is A Low Property Value So Bad? – After losing 17% of my home’s property value in a recent county appraisal, I’m still trying to decide if it’s worth it to fight the low property value.



John @ All Things Finance writes Maximize Your Federal Tax Withholding Allowance And Keep Your Own Money – In 2013, over 50% of all Americans will receive a tax refund. The majority of those receiving a tax refund claim that they will use it to pay off debt. Somehow, we have associated a refund with something positive, while owing taxes is perceived as something you should avoid at all costs. This misconception is entirely wrong and I’ll explain why.

Roger Wohlner @ The Chicago Financial Planner writes 5 Steps to a Lousy Retirement – I’ve written a number of posts on this site about saving for retirement. This time let’s turn it around and discuss 5 steps to a lousy retirement.

Martin @ Studenomics writes The Complete Non-Boring Guide to Getting Started With Taxes – Are you ready to deal with your taxes?

Debt Guru @ Debt Free Blog writes Retiring Right – Impending poverty – that’s the way some people see their retirement. Naturally, when you retire your income may be slightly lower, but that doesn’t mean you should have an apocalyptic view of your financial few.

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