Financial Independence Compilation

 

Welcome to the October 31, 2010 edition of financial independence.

Your Financial Independence Articles

How to waste your money with good deals or bargains - We all love bargains don’t we? I really like getting items at a heavily discounted price. I’ve noticed that when things are on special there are heaps of people at the shopping malls with their trolleys full of staff…

Organise your finances with online banking - Using online banking can be a quick way to take control of your finances. These days online banking offers many tools that can actually hep you to save money. Here are some ways online banking can help you….

A few tips to save money - Do you want to save some money? When times are tight and you are struggling to make ends meet you will face the inevitable decision to cut back in some expenses. Here are some ideas to help you to cut back on those expenses without sacrificing too many of life’s pleasures…

Reader’s Articles

Youdondour torres presents Get your payday advance today! posted at Quick and easy payday loan!.

Youdondour torres presents Great facts about ACAI posted at Acai juice, the healing powers and benefits!.

Youdondour torres presents If you need cash now, apply for a quick cash advance now! posted at Pay Day Loans For You Today!.

Youdondour torres presents Get a quick cash advance now! posted at Pay Day Loans For You Today!.

Youdondour torres presents Apply now, get approved for a unsecured cash advance! posted at Quick and easy payday loan!.

Youdondour torres presents Apply now and get approved for a quick cash advance payday loan! posted at Quick and easy payday loan!.

Youdondour torres presents FACTS ABOUT A NO FAX PAYDAY ADVANCE LOAN! posted at Pay Day Loans For You Today!.

Sheri Schmeckpeper presents Good Budgets Support Goals; Good Goals Define Budgets « Center for Excellent Living posted at Center for Excellent Living, saying, "It's important to build a budget that tracks your month-to-month living, but it's equally as important to consider the future. For this reason, I want to stress the importance of goals."

debt kid presents How much savings is enough posted at DebtKid.

money and finance

Marvin Grossman presents Dave Ramsey is Bad at Math posted at fivecentnickel.com, saying, "If you’re familiar with Dave Ramsey, then you’ve no doubt heard of his ’snowball’ approach to paying down your debt. In short, Ramsey suggests that you make minimum payments on all but the debt with the lowest balance."

Marvin Grossman presents We're No. 4! What the slip in U.S. competitiveness means posted at Money-Rates.com Savings Investor, saying, "Find out what the slip in US competitiveness might mean to CD rates."

Neal Frankle presents Saving Money For Retirement ? 6 Steps To Peace of Mind posted at Wealth Pilgrim: Money Management Advice, Financial Stess Management, Addiction Recovery Plan & Resources, saying, "Saving Money For Retirement – The Ultimate Guide You already know how crucial it is to save money for retirement – no matter what stage of life you’re in. Here are 6 steps to help you do just that..."

Tim Chen presents Just in Time for Summer: Save Money with the HHonors Hotel Rewards Program posted at NerdWallet Blog - Credit Card Watch, saying, "The Hilton Honors Reward Program is a great program, but there are 4 major components you need to understand before you can fully take advantage of the program."

Jeff Weber presents Best Holiday Shopping Credit Card Deals posted at Smart Balance Transfers, saying, "The top credit card offers of the holiday season can put up to $175 in your pocket or save you money on interest."

nissim ziv presents Behavioral Based Interview Questions and Answers posted at Job Interview Guide, saying, "Behavior-Based interviewing became a mile stone hiring process of many companies. The logic behind the behavioral based interviewing is that past performance in similar situations will provide the most accurate predictor for the … future performance of a candidate."

Andrea presents Money Makeover- 6 Steps To Get Back On Track posted at Savings Scoop.

Wenchypoo presents In Barter Nation, Old Forms of Commerce Are New Again posted at Wisdom From Wenchypoo's Mental Wastebasket.

Mike Piper presents Low-Risk Investment Planning posted at The Oblivious Investor, saying, "Instead of setting expensive goals and using high-risk investments to attempt to meet them, what if we started with low-risk investments and set goals based on modest returns?"

MoneyNing presents Investing In Nostalgia: 5 To Know With Making Money from the Memories of Your Youth posted at Money Ning, saying, "Do you have any toys or collections that you can dust off from your childhood? They could be worth quite a bit of money!"

Jim Nariel presents How you can Build a Successful Work from Home Business Now posted at Point and Click Program Revealed, saying, "blog post showing how you can build a work from home business today"

Neal Frankle presents Find A High Paying 2nd Job Using Craigslist posted at Wealth Pilgrim: Money Management Advice, Financial Stess Management, Addiction Recovery Plan & Resources, saying, "You Can Find A High Paying 2nd Job Using Craigs List. If you’re looking for high paying 2nd jobs, look no further than your computer screen."

Arjun Rudra presents How To Think About The Economy With Noted Economist Paul Summerville posted at Investing Thesis, saying, "How To Think About The Economy With Noted Economist Paul Summerville"

Madeleine Begun Kane presents Man Can?t Live By Bread Alone ? Or Can He? posted at Mad Kane's Humor Blog.

Robert Alan presents Best Financial Software to Track Your Expenses posted at Credit Cards Blog | CreditCardAssist.com, saying, "Never lose sight of your expenses, track your expenses today with the Best Financial Software."

BWL presents Long Term Care Insurance And Senior Citizens posted at Christian Personal Finance, saying, "Are Seniors the only ones who need long-term care insurance?"

Michael Pruser presents TIPS Auctioned at Negative Yield (And What It Means For Consumers) posted at The Dough Roller, saying, "A quick review of the TIPS recently auctioned off"

FMF presents How to Become Wealthy posted at Free Money Finance, saying, "There are three keys to becoming wealthy: growing your income, saving as much as possible, and getting a good return on your investments. This posts tells how you can use these three to become rich over time."

PT presents The Best Airline Miles Credit Cards posted at Prime Time Money, saying, "Complete reviews of the best airline cards. If you fly one airline all the time, these cards make sense."

Central Florida Real Estate presents 10 Tips To Consider When Buying A Foreclosure posted at The Central Florida Real Estate Site, saying, "If you’re shopping for a foreclosed house that you want to flip, hold your breath until the urge passes. Your checkbook and credit report will thank you. Why is it that people think that they can buy low and yet others will agree to buy high? But if you’re looking for a home to live in, or one to lease to others for years of positive cash flows, buying a foreclosure might save you some money. Foreclosed homes typically cost 10% to 15% less than comparable homes in the same neighborhood, even after you’ve made all the needed repairs. Savings of 20% or more are not unheard of. Just follow our 10 Foreclosure Tips for buying a foreclosure to make sure you get the best deal and avoid costly pitfalls."

Silicon Valley Blogger presents Online Bill Pay Account From FNBO Direct: Review posted at The Digerati Life, saying, "Do you do online bill pay? Here's a look at an account that can help facilitate your money management tasks."

freefrombroke presents Schumer Box And Credit Card Offers posted at Free From Broke, saying, "Know what that box with all the credit terms is on your credit card offer is? It's the Schumer Box. Here's why it's there."

FIRE Getters presents Direct Deposit to Bank Account - Handle With Care! posted at FIRE Finance, saying, "First of all let's try this pop quiz: Can anyone take out money from your bank account without your permission? You must be thinking "How on earth can that can be?" The next thought might be "Are these folks crazy?" Ahh...m, please read on to find out the truth!"

Darren presents SIMPLE IRA – Rules, Contribution Limits, & Benefits posted at MORE than Finances, saying, "The SIMPLE IRA is a retirement plan for small companies. Let's take a look at how it works, its rules, contribution limits, benefits, and more."

DCTrader presents Margin Calculator posted at DCTrader, saying, "This handy little calculator instantly figures margin requirements for any stock price / balance. You can use it here for free."

Khaleef @ KNS Financial presents 401k Advice – Stop Passing Up Free Money! posted at Faithful With A Few, saying, "Many people struggle with retirement planning, often paying thousands of dollars in fees in order to get sound advice. However, a recent study has shown that many of these people are neglecting the easiest way to get free money for their retirement."

That concludes this edition. Submit your blog article to the next edition of financial independence using our carnival submission form. Past posts and future hosts can be found on our blog carnival index page.

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Your Financial Independence - June 20, 2010

Welcome to the June 20, 2010 edition of financial independence.

nissim ziv presents Career Aspirations: Examples of Career Aspirations posted at Job Interview Guide.

Jane Spiegel presents 6 Reasons Why Online Casinos are a Good Choice of Gambling posted at Online Casino Mirror, saying, "Reviews on Best Online Casinos with free online casino bonus codes. Casino news and promotions of online casino games."

nissim ziv presents Career Goals: Examples of Career Goals and Objectives posted at Job Interview Guide, saying, "It is only when a person has a clear thought about his/her career goals and objectives that he or she gets ultimate satisfaction from his/her job and therefore progress faster."

Charles Chua C K presents 10 Things to Avoid in Money Matters posted at All About Living with Life. Wenchypoo presents Skipping STILL MORE Nickels and Dimes For Bigger Savings (L-O-N-G) posted at Wisdom From Wenchypoo's Mental Wastebasket, saying, "Financial independence is not the money you make--it's the money you KEEP!" Wenchypoo presents MORE Timeless Moves You Can Make to Maximize Income and Minimize Taxes posted at Wisdom From Wenchypoo's Mental Wastebasket, saying, "Started in '05, and added to ever since." Wenchypoo presents D-I-Y Economic Reform--Starving the Evil Piggies posted at Wisdom From Wenchypoo's Mental Wastebasket. Wenchypoo presents Revised: Cheap Eating with Cost-Per-Serving posted at Wisdom From Wenchypoo's Mental Wastebasket, saying, "This what you're looking for--frugal living stuff?" Wenchypoo presents Filling Up On Fewer Calories with Less Food—Negative Calories and Volumetrics posted at Wisdom From Wenchypoo's Mental Wastebasket, saying, "Spending less means keeping more money." Wenchypoo presents D-I-Y Health Care Reform--Help Save a Trillion Dollars Right at Home posted at Wisdom From Wenchypoo's Mental Wastebasket. Wenchypoo presents Omnibus Obama Tax Avoidance Tip Sheet and Small Loophole Collection posted at Wisdom From Wenchypoo's Mental Wastebasket. Wenchypoo presents Playing the Rations Game posted at Wisdom From Wenchypoo's Mental Wastebasket. Samir Kunvaria presents Life is meant to be abundant in all Areas posted at Samir Kunvaria, saying, "When we talk about goals we talk about achieving a target. The target can be the crossing the finish line for an athlete or passing out with flying colours for a student or achieving the top medical college for an aspiring doctor. Every individual has a different approach to achieve these goals. All goals are different and all people have different goals. Today let us talk about a few financial goals.

So what are financial goals? Any goal that needs to be achieved financially viz. goals to be achieved by paying out money, in short or long term are known as a financial goals. Let us take a few examples and discuss these financial goals. Short term goals: Goals to be achieved in less than a year are short term goals. An emergency like a family member undergoing an operation can be termed as a short term goal, as this goal requires appropriate cash in a very short period. Purchasing a motor vehicle now or marriage fixed at the end of the year or a small trip to native place can also be defined as a short term goal. To meet a short term goals you need to invest in liquid instruments like short term fixed deposits with the bank, or liquid mutual funds, or have ideal cash in your savings account. Medium term goals: Goals to be achieved after a year but before 5 years can be termed as medium term goals. Goals like purchase of a house or house renovation after 2-3 years can be termed as a medium term goal. For a self employed person, expansion of business after two years can also be considered a medium term goal. In case of purchasing a car, you can make full payment instead of opting for a loan and making payments via easy monthly instalments. This helps in minimising liabilities and over-burdening yourself with a fixed outflow each month. Medium term goals generally require a disciplined investment plan in a mix of equity and debt investments (Read asset allocation for different equity and debt investment options) that can be liquidated when required. Long term goals: Goals that are recurring in nature can be considered as long term goals. For a newly married couple, planning for child’s education and marriage expenses or for a family in their early thirties, planning for retirement living expenses can be considered as long term goals. You can invest predominantly in equity investments to achieve long term goals as equity as an asset class provides best returns over a long term horizon of 10 to 15 years. Many of us don’t realise these financial goals and fail to plan for the same. A systematic and a disciplined approach towards investing helps in achieving all financial goals."

Madeleine Begun Kane presents Loan Poem posted at Mad Kane's Humor Blog. Jena Ellis presents 30 Rules of Engagement: Who Pays for the Wedding? posted at Online Certificate Programs. Infernios The Hoarding Dragon presents The dragon?s girth-staggering difference in investing early posted at ThunderDrake, saying, "This post elaborates on the staggering (girth staggering, even) difference between starting at different age gaps. It urges readers to begin investing (or through the alter ego's word, hoarding) sooner than later. Time is perhaps one of the most crucial elements to financial independence.

I appreciate the consideration. May the ambitions of my writing fuel your carnival's success. <"3">Tony Clifton presents 11 Investment Ideas From $11 to $11,000 | High Yield Wealth Development posted at High Yield Weekly Digest, saying, "There are plenty of great investment opportunities available if you have a million dollars or more. You can buy a companies, factories, real estate, start your own medium sized business and so on. The problem for most of us is that one million is a lot of money." Thomas John Carter presents Start a Home Based Business Online - How Simple Can it Be? posted at Lee McIntyre's FREE DVD. Matt Clooney presents Long-Term Saving by Investing into the Future posted at HVAC Training. Adam presents BusinessBlog › Log In posted at BusinessBlog. MoneyNing presents Is Our Drive for Higher Income Ruining Our Culture? posted at Money Ning, saying, "As our income increases, are we losing our culture because we "outsource" everything?" BWL presents Active Vs. Passive Funds posted at Christian Personal Finance, saying, "This article looks at passive and active funds and discusses the differences between the two..." Michael Pruser presents 10 High Paying Jobs for High School Students posted at The Dough Roller, saying, "10 awesome jobs that most high-school students can find if they apply themselves." Tom Tessin presents 6 Ways to Save on Your Restaurant Meals posted at FSC Blog, saying, "6 steps that you can take right now if you're looking to save on your next meal when you head out to eat." Praveen presents CBOE Just Had Its IPO: Why I Bought The Stock posted at My Simple Trading System, saying, "A system for investing in IPOs" Case Ernsting presents The Summer Help: Jobs in the Midwest posted at FinditLocal411 Blog, saying, "Navigating your way through the tough economy of today is no easy feat. Finding new jobs is an exhausting and rigorous process. We have tips for finding your way and getting that job to tide you over through the summer months." Sean Greene presents Retirement Planning Facts The Best-Financial-Advice.com Blog posted at Retirement Planning Facts, saying, "Retirement Planning Facts" Aussie Investor presents Valemus Share Float posted at Australian Investing, saying, "The Valemus Limited initial public offering is the biggest to hit the Australian share market so far this year. And unlike some of the more speculative issues which have been promoted so far this year, the company has a real and profitable business behind it. This article discusses the details of the Valemus float from a prospective investor's standpoint." That concludes this edition. Submit your blog article to the next edition of financial independence using ourcarnival submission form.

Past posts and future hosts can be found on our blog carnival index page.

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