Carnival of Personal Finance – It’s a New Year Edition


Welcome to the Carnival of Personal Finance, the 290th edition of personal finance articles from around the web.  The focus of this Carnival pertains to all things related to Personal Finance.  At this time of year many bloggers are looking toward the new year and inevitable decisions regarding taxes, investing and their careers.

Here are this weeks Editor’s Picks:

Jill from My Dollar Plan presents 6 People You Can’t Afford to Lie To, and says, “Your financial stability requires complete honesty on your part – read on to find out why.”  We really should never lie but lying to these folks can really affect your life negatively.  Pay heed to the advice in this article.

FMF from Free Money Finance presents How to Be Mortgage Free, and says, “Want to be debt free — including your mortgage? Here’s how.”  Eliminating debt is always a great feeling and FMF gives some practical tips on how to eliminate what is likely your largest debt, your mortgage.

N.W. Journey from Net Worth Journey presents The Importance of Financial Goals, and says, “Tips on how to reach your financial goals.”  It is a new year and a great time to set some new financial goals.

Daniel from Sweating The Big Stuff presents Why You Should Donate More Money to Charity.  We are behind Daniel 100% on giving more to charity.  The benefits are great for you and your community.

Pat S. from compounding returns presents Education: The key to a rich future, and says, “An article about the true value of advanced education.”  Pat takes a closer look at raw data which proves that a higher education will lead to greater earning power.

And the following are other great articles submitted to the Carnival this week.


Craig from Free From Broke presents Lending Club Peer to Peer Lending for Investors and Borrowers – Review, and says, “Lending Club creates a market where investors can pool funds to by notes for borrowers loans. This makes for an interesting alternative to traditional investing.”.

Dividend Growth Investor from Dividend Growth Investor presents Dividend Aristocrats list for 2011, and says, “The Dividend Aristocrats index includes members of the S&P 500 which have raised distributions for at least 25 years in a row. This is no small accomplishment, given the fact that this long period of time includes several recessions, oil price shocks and two wars in Iraq. ”

Silicon Valley Blogger from The Digerati Life presents Money Managers’ Picks for 2011: Investing for the Coming Year, and says, “2011 predictions for investors. Where are the investment opportunities for the new year?”

Alex G from Leveraged ETF presents Crude Oil ETF List, and says, “Crude might very well be headed to $100/barrel, are you prepared?”

The Penny Hoarder from The Penny Hoarder presents The 7 Wackiest Investments Under $100.

Mike from The Financial Blogger presents Why Your New Blog Won’t Make Any Money, and says, “A simple look at why your new blog might not make you any money.”

Sean Smarty from Grow Money presents 11 Healthcare Facilities Stocks with High Dividend Yields.

Ken from Spruce Up Your Finances presents Smoothing Out The Market Fluctuations Using Dollar Cost Averaging.

Mark from Buy Like Buffett presents Investing In The Stock Market Vs. Trading The Stock Market.

ElizabethG (Modern Gal) from Modern Gal presents Preparing for Higher Prices.

D4L from Dividends Value presents Dividend Stocks vs. a Safe Distribution Rate, and says, “One of the most interesting questions that often comes up is “How much can you safely withdraw each year from your retirement portfolio?” There is not a lot of research in this area since most people spend their time contemplating capital accumulation, not spending it. However, there are a few studies on “safe” withdrawal rates. Let’s look at a few of them and consider what could be a better alternative…”

pfblogger from Personal Cents presents If I had only invested in Netflix.

IS from Intelligent Speculator presents If I Were Amazon CEO For a Year, and says, “A look at what I would do if I could run Amazon for the next year.”

Russ Thornton from The Wealthcare Revolution presents Understanding Monte Carlo Simulation – Part 3 of 7, and says, “This is part 3 of my ongoing series titled “Understanding Monte Carlo Simulation.” Part 3 shows how contributions and withdrawals to a portfolio over time can and often will have more impact on the dollar result than an average investment return.”


mbhunter from Mighty Bargain Hunter presents One more time: Retirement has nothing to do with age, and says, “Retiring at age 65? Not if you don’t have the green!”

Eric from The Postgrad Agenda presents New Year’s: Munich-style!.

Connie Prater from Taking Charge presents Will 2011 be the year of living frugally? Maybe, maybe not, and says, “There’s still a lot of debate about whether Americans have truly changed their ways and are more frugal. Once the economy bounces back and the unemployment rate goes down, will we cast off our frugal ways?”

Craig Ford from Money Help For Christians presents Buy Select Financial Software and Get The Secret to a Successful Budget Free, and says, “Find out how to get a free eBook when you purchase personal finance software.”

RJ Weiss from Gen Y Wealth presents Two Hidden Benefits of a Large Emergency Fund, and says, “The hidden benefits of an emergency fund that I didn’t understand until I went through a few paychecks in just two weeks.”


Jacob from My Personal Finance Journey presents Can Investing in Stocks of Companies With Happy Employees Make You Money?, and says, “A look at the importance of a having solid financial education before executing your investment strategy.”

Money Thinker from Money Thinking presents Financial Tips for Renters, and says, “As I shared on Wednesday, I rent. I rent a nice little one bedroom first floor apartment. It’s essentially half a house; I absolutely love it. I couldn’t ask for a nicer place. Now, I’ve been renting for about 4 years now. I was a senior in college when I started renting, and I have learned a lot of things during my time as…”

Jonathan from CentsToShare presents Reflections On Another Year – Personal Investing and Other Thoughts

Jeff from Sustainable Life Blog presents Year in Review, and says, “2010 was a great year for me. I paid off almost 19k in debt. How did you do, and what are your plans for 2011?”

RC from Think Your Way To Wealth presents Using SMART Goals for Personal Financial Resolutions for the New Year.

Fanny from Living Richly on a Budget presents Unemployment Extension of 2010 Passes, Do You Qualify?.

Bob from Christian Finances presents New Year’s Resolutions and the 80/20 Rule, and says, “A look at how you should use the 80/20 rule with your new year resolutions you might have… ”

Darwin from Darwin’s Money presents Vertical Integration Explained, and says, “Here’s an explanation of “Vertical Integration” since you hear it so often in the business press. Worth knowing in today’s economy.”

Money Management

Jeff Rose from Soldier of Finance presents How to Delegate For Financial Success, and says, “When it comes to your finances and trying to get in control of your financial life, you have to be able to delegate the things that you are not capable of doing or you are just not very efficient at.”

Well Heeled from Well Heeled Blog presents SEP IRA: Have Side Income? Save for Retirement!, and says, “If you have a side business that brings in some freelance income and you are looking to save more money for retirement, the SEP IRA might be an easy way to do so. And if you are maxing out your 401K? You can STILL contribute to a SEP IRA. ”

Michael from The Dough Roller presents 5 Must-Follow Financial Resolutions for the New Year, and says, “With the new year upon us, it’s important to audit your finances to find areas of improvement. Make sure you set your financial resolutions early this new year.”


Flexo from Consumerism Commentary presents 20 Ways to Use the Payroll Tax Holiday, and says, “The payroll tax holiday needs to be taken advantage by everyone. We’ll get you started with ideas.”

vh from Funny about Money presents Tax Break Comin’ Your Way! What Will You Do with It?.

Junior Boomer from Consumer Boomer presents Payroll Taxes and Social Security, What Could It Mean?, and says, “Lawmakers have been busy and a lot of the buzz has been on payroll taxes and Social Security. As a boomer,you have a reason to be concerned.”

Jeff Rose from Good Financial Cents presents Gift Taxing Rules for 2010 and 2011, and says, “If you make gifts to friends or family that is large enough, there is the possibility that you may owe the federal government some tax money. Here are some gifting rules you need to know”

Jason from One Money Design presents How Will the Tax Cut Impact Your Paycheck?, and says, “A recent Social Security tax cut will provide many Americans more money each month in 2011. But is it the best move for our national debt and social security benefits?”


Ramsay from moneyedup presents How To Get A Raise At Work, and says, “Getting a raise is a great way to increase your income, and you don’t have to get promoted to get a raise.”

Mike from Green Panda Treehouse presents Three Most Popular Options For Life After College, and says, “The three most popular options for life after college.”


David from Credit Card Offers IQ presents Understanding Grace Periods, Minimum Payments, Paying on Time, and Credit Limits, and says, “Understanding Grace Periods, Minimum Payments, Paying on Time, and Credit Limits”

Jeff from Smart Balance Transfers presents Get The Most Out of Credit Card Rewards, and says, “This article looks at ways to maximize credit card reward earnings while minimizing fees.”

Philip from PT Money presents The Best Small Business Credit Cards, and says, “A thorough review of the best credit cards to help you with your small business. I use the Chase INK card.”

Mr. Credit Card from Ask Mr. Credit Card presents Credit Card Resolutions for 2011.

Tim Chen from NerdWallet Credit Card Watch presents Chase Freedom – Comparing the Versions , and says, “Chase has a few versions of the Freedom card available. In situations like this, we like to put together tables to make your life easier!”

Aaron from Prepaid Cards 123 presents Prepaid Cards Designed For Teens, and says, “Prepaid Cards Designed For Teens”
shaun from Money Cactus presents How to Create a Wealthy New Year, and says, “People set resolutions every New Year and every year they break them. Here is a great reason to forget the resolutions and start setting goals instead, I promise you’ll have a much better chance of success. ”


Len from Len Penzo dot Com presents The Penner Awards: The 10 Craziest Money Blunders of 2010.
Miss Bankrupt from Miss Bankrupt presents Should You be an Early Tech Adopter?.

Jason from Live Real, Now presents How to Complain – The Squeaky Wheel Gets the Grease, and says, “Everybody knows how to complain, but do you know how to do it effectively?”

Ryan from Planting dollars presents Start 2011 off right by taking action.

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