Carnival of Financial Planning – Edition #220 – January 20, 2012

Welcome to the January 20, 2012 Edition #220 of the Carnival of Financial Planning.

The Carnival of Financial Planning takes a long-term view of personal financial planning for individuals and families. We focus on efficient and sustainable personal financial planning practices that can lead to lifetime financial security.

This edition is arranged by subject heading, so that you can browse efficiently.

Enjoy!

The Skilled Investor, Editor

Budgeting and Economics

Echo presents How To Make A Better Personal Budget posted at Boomer & Echo, saying, "A personal budget should be about more than just figuring out if your income exceeds expenses."

Sabrina presents 5 Emergency Budget Cuts to Consider posted at Frugal Living, saying, "We would all be better off if we forced ourselves to look honestly at our spending, our credit cards and our bank accounts, and identify the things that can be cut out easily and immediately. That will buy you more time if you do lose your job or take a cut in your income, and will help you stretch the money you have. Every family is different, but the list below will give you some ideas to start with."

Paul Vachon presents Finance for Dummies - BLS Consumer Expenditure Survey posted at The Frugal Toad, saying, "The Consumer Expenditure Survey or CE, consists of two surveys, the Diary Survey and the Quarterly Interview Survey which provides information about the buying habits of the American Consumer. Survey Data is collected by the U.S. Census Bureau."

Janet Russell presents Personal Budget Software posted at Best Financial Planner, saying, "If you do not understand how much you spend and how much you are saving and investing, you simply do not have a financial plan. This situation dramatically increases your family’s long-term financial risk."

Kay Lynn presents Want to Save Money? Slow Down posted at Bucksome Boomer, saying, "Slowing down may be counter-intuitive, but it is good for our wallet and for our sanity. By slowing down, we might even be able to check things off that list even faster."

Jon Elder presents 5 Things You Should Not Go Cheap On posted at Free Money Wisdom, saying, "These are the 5 items that I happen to value and would never go too cheap on."

Will presents Control Your Spending Without Making A Budget posted at Former Banker, saying, "How to keep track of your money even if you hate making a budget"

Ashley presents Dealing with Financial Setbacks posted at Money Talks Coaching, saying, "I hate financial setbacks. They stink. No matter how well you plan Murphy likes to stick his big fat nose into things. I’m facing my own financial setback at the moment and I’m struggling with it."

Evan presents The Cost of Owning a Pet posted at Smart Wealth, saying, "Although having pets is expensive at times, it is also great, just be sure that you know what you are getting yourself into."

Financial Planning

Ken Faulkenberry presents Saving, Investing, and Gambling: The Importance of Differentiation and Compartmentalization posted at AAAMP Blog, saying, "Definitions of saving, investing, and gambling with an explanation for the need to differentiate and compartmentalize each."

Jacob @ My Personal Finance Journey presents Financial Goal Setting for the 2012 New Year posted at My Personal Finance Journey, saying, "This post highlights Jacob’s personal financial goals for 2012, based on what author David Bach calls a Purpose Focused Financial Plan. The goal of this system is to employ money in your life in a way that matches your life values and dreams."

Walter Binkle presents Fixed Income Funds posted at Fixed Income Investing, saying, "The bond investment fund market is no place for an individual investor to try to beat the market and get higher returns through attempts at clever fixed income investing. Even professional bond market money managers do not beat the bond market."

Ray @ Financial Highway presents RRSP Deadline 2012-Limits posted at Financial Highway, saying, "The RRSP season has begun! Every bank, every branch and every teller will remind you to contribute to your RRSP before the deadline. With so many people vying for your RRSP contributions, who should you trust?"

Darin Sewell presents Fixing Bad Credit While Getting Out of Debt posted at Saving Money Today, saying, "When it comes to fixing bad credit most people have no idea what they need to do or where to start the process. Many simply give up and do nothing hoping the problem will go away on its own, it rarely does. Let’s take a brief look at what is required to increase your credit score while eliminating your debt."

Larry Russell presents ID theft protection posted at Personal Financial Planning, saying, "As a threat to your financial security, you should take the potential for identity theft very seriously. Identity theft sometimes entails a loss of your money, but whether or not you lose money, it can take a very large amount of your time to rectify. Taking these steps to prevent an occurrence is prudent."

Lisa presents 4 Smart Financial Moves to Secure a Better Future posted at Thriftability, saying, "Saving money is a virtue. You can use your savings for various gainful purposes. If you are into debt troubles, or have found yourself overcome by credit card debt, you may be using your savings for debt reduction. Any way you look at it, the earlier you can start learning financial restraint, the better it is for you."

BIFS presents Risk Versus Reward | Budgeting In the Fun Stuff posted at Budgeting In the Fun Stuff, saying, "Health – like finance – is all about risk management. The road to success isn’t avoiding risk completely, nor is it throwing yourself headfirst towards the potential reward without consideration of the risks."

Sunil presents Emergency Fund Fundamentals, Benefits & Unconventional Uses posted at The Extra Money Blog, saying, "Having more than one income stream significantly mitigates unforeseen financial catastrophe. The more the income streams, the less critical it becomes to establish a rainy day fund, especially a large one that ties up a significant enough amount."

N.W. Journey presents Six Steps to Managing Your Money Better posted at Networth Journey, saying, "Important steps for better money management."

Super Saver presents Parenthood and Poverty posted at My Wealth Builder, saying, "I expected married parent households to be better off financially, but I didn't expect the differences to be as large as the data shows."

Frank Bertin presents Index Funds posted at Best Investment Strategies, saying, "Short-term mutual fund trading is a zero sum game played against other very well informed mutual fund traders and other securities market traders. On average, higher mutual fund turnover is far more likely to result in lower investment fund performance — instead of superior risk-adjusted performance."

D.J. presents Start Early - How to Encourage Kids to be Savers posted at The Family Wallet, saying, "So how do you encourage kids to be savers? The best way to teach kids how to save is to teach them that buying brand name items is not necessary when store brand names or cheap name brands are just as nice and “in” as they would say."

Young And Thrifty presents Quicken Home and Business 2012 Review posted at YoungAndThrifty, saying, "It almost seems that any Personal Finance Blogger isn’t really a personal finance blogger if they don’t use some sort of snazzy personal finance software like Quicken to track their spending, their budgets, and their investments all in one place."

Kevin presents Claim Your Unclaimed Property posted at Thousandaire, saying, "Check to see if you have unclaimed property free money waiting for you. Just search at your state's website and you might have something!"

Financing a Home

Kyle presents 4 Reasons You Should Not Invest in Real Estate Right Now posted at The Penny Hoarder, saying, "A few weeks ago we shared with you some reasons why this might be a good time to invest in real estate and this week we wanted to present the other side of the argument. Here are four good reasons not to buy real estate right now."

Chelsea Prescotti presents Mortgage Lenders Hunt Home Owners Even After Foreclosure posted at CreditScore.net, saying, "No one ever buys a home with the intention of one day losing it to foreclosure or being forced by circumstance into a short sale. Unfortunately, that is exactly the situation in which many homeowners find themselves. Financial struggles push thousands of homeowners into short sale or foreclosure every year. When the housing market collapsed in 2008-09, many found themselves upside-down in their mortgage and opted to simply walk away, leaving the bank to foreclose on the property and sell it for whatever a buyer would pay."

Miss T. presents Buying a Home with the Help of Mortgage Insurance posted at Prairie Eco Thrifter, saying, "It’s a positive thing to buy a house and make it the home you always dreamed of. It’s something everyone should experience. But it’s important to make it happen within your means. Sometimes mortgage insurance is the only way homeownership will ever be possible."

Financing Education

krantcents presents How Students with NO Credit History, Can Begin to Build a Financial Record posted at KrantCents, saying, "Here are 3 ways to allow young adults to safely build credit without the risk of going into debt."

Financing Healthcare

Emily presents Less Expensive Nursing Home Alternative: Full Circle America posted at PT Money Personal Finance, saying, "Discusses the grassroots organization, Full Circle America, and the alternatives it provides to traditional (and expensive) nursing home care for the elderly."

Income

Kelly presents 5 Ways to Boost Your Income Online posted at Wallet Watcher, saying, "The following is a list of the five best ways to help you boost your income from the Internet and reach your working goals."

Penny presents Writing a Resume posted at Penny Pinching Professional, saying, "Your resume is an important part of finding a good job so you can make money. Do you know the most important information to include in your resume?"

Shaun presents Lottery Winner Loses Everything in Four Years: Smart Approaches for Families with Income Windfalls posted at Smart Family Finance, saying, "Lottery winners are famous for winning fortunes and then losing them. That is because it is easy to make financial mistakes when families run into income windfalls. However, there are a few approaches to help you to make smart decisions and minimize the risks of losing everything."

Jester presents A Side Income posted at The Ultimate Juggle, saying, "Finding a side income can go a long ways to meet your financial needs. Find out how to manage your time and make it happen."

PITR presents Generate passive income - How to do it posted at Passive Income To Retire, saying, "If you want to generate passive income, you need to know the two ways that people establish a passive income."

The Financial Blogger presents 2012 Blogging Goals The Pass or Fail Ultimate Test posted at The Financial Blogger, saying, "Plans to make a killing in 2012."

Writers Coin presents Doing It for the Money…Would You? posted at The Writer's Coin, saying, "Would you take a job at Taco Bell for the next ten years in exchange for tripling your salary? You'll be surprised at what some people think..."

Sustainable PF presents How to Spot a Work from Home Scam posted at Sustainable Personal Finance, saying, "Before you sign up for a great work from home “opportunity,” consider these signs that it might be a work from home scam."

Investing

Kanwal Sarai presents Investment Vs. Speculation posted at Simply Investing, saying, "When considering a stock for purchase, don’t think of it as a piece of paper (a stock certificate), think of it as buying ownership in a company. If you had the money would you buy the entire company? If not, then reconsider why you are buy shares in this company."

Barbara Friedberg presents Reader Question; How to Choose Mutual Funds posted at Barbara Friedberg Personal Finance, saying, "Investing does not need to be difficult. Learn how to choose a few funds for a well diversified portfolio."

Janet Russell presents Fund manager performance posted at Personal Investment Management, saying, "The effort to find those few supposedly superior money managers willing to sell their services sufficiently cheaply is a costly, time consuming, and futile, “Where’s Waldo?,” searching exercise for the individual investor."

Money Cone presents 10 ETFs Cheaper than Their Vanguard Peers posted at Money Cone, saying, "Here’s a list of the ten, commonly used ETFs that have an expense ratio lower than that of Vanguard’s."

Finley Merriwether presents Best Bond Mutual Funds posted at Low Cost Bond Funds, saying, "Vanguard dominates this low cost United States bond mutual funds marketplace for direct purchase accounts with both low and high minimum deposits. Investment research overwhelmingly shows that lower cost fixed income funds tend to yield higher bond investing returns."

A Blinkin presents CD's are for Hypocrites posted at Funancials, saying, "I would venture to say that there are two investment products people learn about before any others Stocks and CDs Certificates of Deposit. Assuming most people learn about these two options when theyre young, I would think the way they were explained was elementary. Something like stocks are risky CDs are risk-free. But are they remembering inflation?"

Jack Ping presents Top No Load Mutual Funds posted at My Investment Funds, saying, "There are over 60,000 different mutual fund investment share classes sold worldwide. Some mutual funds and ETFs must be better than others, but which ones are they? How can you tell before the fact?"

Beating Broke presents Lending Club Returns Update posted at Beating Broke, saying, "I can afford to get a bit risky with the money in my Lending Club account. So far, it’s been anything but risky, however. Let’s take a look at what my lending club account has done."

Dividends4Life presents 7 Stocks Enticing Investors With Higher Dividends posted at Dividend Growth Stocks, saying, "The goals of an income portfolio are much different than those of a capital appreciation portfolio. The good news is an income portfolio consisting of quality dividend growth stocks can not only succeed, but excel during a market downturn."

Cash Flow Mantra presents Selling Covered Calls and Time Value posted at Cash Flow Mantra, saying, "I had a reader question last week about selling covered calls so I wanted to take the opportunity to offer up some practical tips regarding selling call options."

Managing Credit and Debt

John presents When Being Gazelle Intense, Take Time to Regroup posted at Passive Family Income, saying, "If you are aggressively paying down debt, take the time to recoup occasionally. Here are some tips to remember for avoiding gazelle intensity burnout:"

Jeffrey presents Debt Snowball: 5 Options posted at Saving Advice, saying, "For anyone trying to get out of debt, the debt snowball method has become the choice of many to tackle their debt. This shouldn’t be a surprise as it is a straightforward and easy to follow method that works. While the basics are the same, there are a variety of different debt snowball approaches that people follow."

YFS presents 4 Tips to Improve Credit Even After A Bankruptcy posted at Your Finances Simplified, saying, "A bankruptcy can be a financial event which wrecks credit and hurts a consumers ability to qualify for loans. Its effects can be felt for years afterwards, as it appears on a credit report for 7-10 years depending on what type of BK you file for."

Darwin presents US Debt Now Equivalent to Entire US Economy - Investing in This New Era posted at Darwin's Money, saying, "The United States has just reached the dreaded 100Deb-to-GDP ratio with its $15.2 Trillion debt level surpassing the value of all goods and services produced in-country. This is important because it vaults us into a whole new echelon of debt-ridden societies with financial crises of their own: only Greece, Iceland, Ireland, Italy, Japan and Portugal have debt-to-GDP ratios exceeding 100 This is scary stuff folks!"

Corey presents Why Financing a Car Can be a Bad Idea posted at 20s Finances, saying, "If you are looking to get a car and you don't have enough money saved to purchase the car outright, you may be tempted to get a car loan so that you don't have to wait. But is this really the best route to take?"

Eddie presents Million Dollar Question: Should I Use My Savings To Pay Down Debt or Fund My Retirement Plan? posted at Finance Fox, saying, "Mortgage vs RRSP. TFSA vs Student Loan. Credit Card Debt vs RRSP. TFSA vs Mortgage. RRSP vs Car Payment. Lots of different situations, some of us are in one of these and others may have two or more different forms of debt to pay down."

Marie presents Debt Free - Stress Free posted at Money Spending Mommy, saying, "When times are tough, it can be difficult to make payments on the things we need. And when we run up a lot of debt for unnecessary things, it can get out of control in a hurry."

Matt presents Handling Business Criticism; Suze Orman's Approved Card posted at Financial Excellence, saying, "A summary of my thoughts about Suze’s card? There aren’t any real benefits, and it costs you a monthly fee to have no added benefit. But there’s a lot of discussion on the show, so you’ll have to listen in for the specifics."

Janet presents The House That Credit Card Rewards Built [Infographic] posted at Credit, Eh, saying, "It's possible to use your credit card intelligently to reap the rewards -- and earn free stuff. Before you get too excited, though, it's important to understand that your credit card rewards are basically worthless if you carry a balance."

Charles Chua C K presents What Can We Learn From Credit Rating and Foreign Exchange Rate posted at All About Living with Life.

Jeffery Weber presents January 2012 - Report on 0% Balance Transfer Credit Cards posted at Smart Balance Transfers, saying, "Consumers seeking to reduce interest expenses will find that the average length of balance transfer offers remains above 1 year, while average fees have dropped to just over 3%, making January a prime month to evaluate balance transfer options."

Stephen Vanderpool presents Chase Slate: The Cure for the Common Debt? posted at NerdWallet, saying, "Equipped with the Chase Blueprint program, the Chase Slate claims to be one of the best in the low-interest arena. But is it really the top card to pay down your debts without being slammed with high interest? It’s a close call, but we think we have something a little better than the upstart Slate from Chase."

Miscellaneous

Mich presents NAL Energy to Underperform in 2012? posted at Beating The Index, saying, "I believe the stock will underperform in 2012 based on running 2 set of scenarios which indicate the company is not in its best shape."

LaTisha presents What is a Portfolio? posted at Financial Success for Young Adults, saying, "A portfolio is made up of assets. There are five major asset classes of intangible financial instruments; Stocks, Bonds, Options, Futures, and Foreign exchange."

Odysseas presents How Does Europe Solve its Debt Crisis? posted at Wallet Blog, saying, "Thought I’d share some thoughts about the European debt crisis this week. What options are there, and how could those options affect market volatility?"

Liana presents Card Hub’s Island Approach to Credit Card Spending posted at CardHub, saying, "Learn to use your credit cards to properly to meet your financial needs. Island-like seclusion is the way to go!"

Craig Ford presents The Blessing Journal | How to Be Thankful Even When You’re Not Feeling It posted at Money Help For Christians, saying, "A Blessings Journal is a great way to remember how much we have."

Jeri Ford presents The Mileage Combination Short Cut for Earning Your Free Trip in Record Time posted at Help Me Travel Cheap, saying, "Proper program selection may allow you to combine frequent flyer miles."

Theresa Torres presents Cancelling Old Credit Cards? Three Reasons You Should Keep Them posted at Getting Money Wise, saying, "Those old credit cards that you're planning to get rid of may still have their uses and while you may think that cancelling them is a wise move, here are some reasons that will tell you otherwise."

Super Saver presents Five Outrageous Predictions for 2012 posted at My Wealth Builder, saying, "This is the time of the year to make predictions about 2012."

Jailan Marie presents Three Phases of a Management Buyout posted at Innovative Solutions For Positive Change, saying, ", management buyouts can be very helpful to a business owner in a tough economy who is trying to construct and design a customized exit plan from their business utilizing the resources that are available to them, namely, their existing management team."

Don presents Radical Idea to Create Jobs posted at MoneySmartGuides, saying, "I have many crazy ideas. Most aren’t fit to become reality like my spray-painting lawnmower for when the summer heat turns your grass brown. But every so often, I come up with something that I feel holds merit."

Aloysa presents Live A Little: Have A Latte posted at My Broken Coin, saying, "This is a new series I am starting on this blog. It is called Live A Little, and it is not about how to save more by cutting expenses and living frugal. It is about spending, but in an intelligent way."

The Skilled Investor presents Investment Timing Does Not Work posted at Financial Management, saying, "You must have your money invested and at risk to get risk premium returns. Jumping out and in or "timing the markets" doesn't work."

Lazy Man presents Meet the New Juice Scam. Same as the Old Juice Scam posted at Lazy Man and Money, saying, "I've written enough about MonaVie over at MonaVie Scam to prove that MonaVie is a grossly overpriced product, with little nutritional value, wrapped in a poor business opportunity that appears to be an illegal pyramid scheme, which is itself wrapped in illegal medical claims, supported by nonsensical "scientific" studies, and tied to a fraudulent charity. "

Jeffrey presents Five Reasons to Give Up Goal Setting posted at Money Spruce, saying, "Should we give up goal setting to achieve more success? Goals are something everyone uses, but is it the most effective for getting things done. Here's a discussion why it might not be."

Brockton Eaton presents IRA Retirement Calculator posted at IRA Account Investing, saying, "Whether or not to make investments into “traditional” tax-advantaged employer accounts and IRAs versus investing in “Roth” tax-advantaged employer accounts and personal IRAs is never a straightforward nor simple financial planning decision."

Madison presents How to Extract Money from a Balance Transfer posted at My Dollar Plan, saying, "There are some great balance transfer options out there right now and they can be used to pay off high-interest debt or creatively finance investment properties. But how exactly do you get the cash from the offers into your bank accounts?"

KT presents Is Outsourcing Household Chores a Luxury or a Smart Money Move? posted at Personal Finance Journey, saying, "I don't like cleaning; and I make no secret of that fact. Dust can multiply for months, and I might notice that it is there, but I probably won't clean it. I do have the basics that I do every day - dishes, and general picking up. I clean the bathrooms and sweep and mop the kitchen floor, so I am not a complete slob, but I hate deep cleaning."

101 Centavos presents How NOT to Invest in Water posted at 101 Centavos, saying, "I've been reading quite a bit about water lately. Set a Google alert for water scarcity India China, and your inbox is bound to fill up with stories of water scarcity."

Suba presents Five Ways to Save Money and Get Fit at Work posted at Broke Professionals, saying, "Now that the New Year is here, we are all looking for ways to trim down the expenses and the waistlines. Here are a few ideas on how to do that before or after work or at lunch time. Use Lunch Get some exercise on your lunch break. Read this article for more ideas!"

Retirement Planning

Todd R. Tresidder presents 5 Surprising Reasons Why Retirement Calculators Can't Be Trusted posted at Financial Mentor, saying, "Retirement calculators appear simple on the surface. Hidden behind that facade is a set of dangerous assumptions that can trip up both experts and amateurs alike. Discover these little-known solutions so that you can retire with financial security."

Jon the Saver presents Why Early Retirement Is So Important to Me posted at Free Money Wisdom, saying, "Too many people are stuck in 9-to-5 jobs and can’t be a part of anything meaningful because of their life commitments. I have been in college and now graduate school for the past 7 years and I know the feeling of constantly being busy all too well. Because I don’t want to the person who can’t help with anything, I am working towards financial freedom in order to free up my time while I am still young. "

Dr. Dean presents Fitness Affects Finances: How? posted at Dr. Dean's TheMillionaireNurse.com Blog, saying, "There are more reasons than ever to take responsibility for your health and fitness. Only 1 in 7 US workers is a normal weight and not suffering from a chronic health condition. Wherever you are in your retirement planning, it’s time to take care of the only body you have to get you to retirement and beyond."

Frank Knight presents Best S&P 500 Mutual Fund posted at Best Mutual Funds, saying, "The no load index fund strategy of the Schwab S & P 500 Index Fund tracks the S and P 500 stock index. This no load index fund was listed as one of the top 25 lowest cost index mutual funds in a research study."

ETZ25 presents Starting Up A Roth IRA For Kids posted at Entertainment Timez, saying, "My son now has earned income and we are starting up a Roth IRA for him to participate in. Read why are are starting a Roth IRA for Kids!"

Whitney Broad presents Retirement Savings Calculator posted at Retirement Savings, saying, "By looking at wealth as a lifetime pattern of sustainable expenditures within one’s budget, then people who are indeed wealthy cannot be identified solely by their current assets or income. While personal wealth should measure current financial investments and other salable assets, it should also measure your ability to sustain your household budget, build up your investment portfolio, and weather potential financial risk and misfortune across your lifetime."

Wayne presents Retirement Planning for Young Families posted at Young Family Finance, saying, "Find out what the first step of retirement planning should be for young families."

Andy presents The Number One Retirement Fear posted at My Retirement Blog, saying, "According to an AARP study recently released, health care issues are the number one biggest fear retirees have. Is retirement affordable? The biggest challenge for most potential retirees is the cost of care and the ability to stay healthy through retirement. Experts claim one will need an extra $200-$300,000 to pay just for health care."

Risk Management and Insurance

Evan presents Most Readers Will hate What I Did with Part of My Bonus posted at My Journey to Millions, saying, "My initial goal was to increase my term coverage with a 20 year term policy. I ultimately decided against this for two reasons, one my available income ratio would decrease which wouldn’t be good for getting that mortgage I mentioned earlier, and two, I got blood work back the other day and it wasn’t that great."

Amanda L Grossman presents Health Insurance Companies Give Financial Incentives for Good Habits posted at Frugal Confessions, saying, "Since I discussed a 'stick' approach my health insurance company began on January 1, 2012 by charging a higher premium for smokers than for non-smokers, I'd like to take the time to discuss a 'carrot' incentive approach!"

Savings

Bob presents Ways to save money by NOT being normal posted at ChristianPF, saying, "This is a look at a bunch of different ways we can all save money by thinking outside of the box!"

Taxes

Glen Craig presents Still Want a Deduction for Tax Year 2011? It’s Not Too Late posted at Free From Broke, saying, "Even though 2011 has passed, there is still time to make some moves that will give you a tax deduction and lower your taxes in 2012. See some tips to help lower your taxes."

Hank presents Four Great Benefits Of Buying A House posted at Money Q&A, saying, "There are many great benefits of buying a house such as wealth creation, tax savings, forced savings, and others. Renting should not be your default option when there are so many great benefits of buying a house."

Paul Tabbet presents Retirement Software posted at Retirement Worksheets, saying, "Retirement planning software should automate the development of lifetime projections that incorporate tax laws and rules associated with tax-advantaged retirement investment incentive programs such as traditional IRA, Roth, 401k, 403b, SEP, Keogh, and other retirement plans. Retirement calculators hides the complexity of the tax laws that are associated with these various personal retirement plans and employer-sponsored retirement plans."

Daniel presents Tax Evasion Costs Over $300 Billion Each Year posted at Sweating the Big Stuff, saying, "Think tax evasion is a small problem? Thing again: tax evasion in the U.S. amounts to $337.3 billion a year."

Tim @ Faith and Finance presents States With No Income Tax posted at Faith and Finance, saying, "Looking to eliminate state income tax from your vocabulary? You're in luck! Seven states don't have state income tax - do you know which ones they are?"

Don presents My Son Is A Young Entrepreneur posted at Money Reasons, saying, "This is about my son's transformation in becoming a young entrepreneur. Not bad considering he is only eleven."

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

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