Welcome to the December 16, 2008 edition of road to financial independence.
Ripe Trade presents Best asset allocation posted at Ripe Trade, saying, "When constructing a portfolio for a balance of maximum reward and minimum risk its best to find the asset classes that have a low correlation to each other. Historically, since 1972 an optimal asset allocation mix for high returns and low risk would have averaged 14.82% in returns annually with a low 10.89% standard deviation."
Michael Bass presents Should you cosign for a friend or family member? posted at Debt Prison, saying, "First of all… you are helping someone throw money down the drain via interest charges. Now before you bring up the ‘helping to build anothers credit’ fallacy… I’d quickly point out that a lifetime of credit use is a lifetime of throwing dollars out the window (for lack of a better metaphor). Also, when we cosign, the price of the item is almost always grossly inflated and often brand spanking new. Never buy new… let someone else loose thousands in minutes as they drive the purchase from the inflated price arena (also known as a Dealership)."
Vic presents Make Your Own Organic Yogurt At Home... posted at Yogurt Maker Central, saying, "Lets face it - we all want to save more money and making your own yogurt will help put a little cash back into your pocket each week. This article looks at what the benefits of making yogurt at home are. Not only is it good for your wallet, it's good for your waistline as well."
Save Money presents 101 Ways To Magnetize Money posted at How I Save Money.net.
Insurance Toolbox presents Types of Insurance Policies That You Shouldn?t Buy posted at Insurance Toolbox.
Jacob presents The best Xmas ever posted at Early Retirement Extreme, saying, "A frugal persons gift exchange survival guide"
Wenchypoo presents Update With Bonus: The "Con" in Lexicon posted at Wisdom From Wenchypoo's Mental Wastebasket, saying, "How we are ripped off by words and not weapons. Marketing: the art of making words INTO weapons."
FMF presents Be Careful of Car Dealers Trying to Add on Needless Sales posted at Free Money Finance, saying, "One simple tip that can save you a good amount when buying a car."
Dollar Frugal presents Agh! They’re Making Fun of Me At Work Again…. posted at Dollar Frugal.
The Investor presents Three new ways to control your spending posted at Monevator.com, saying, "Here are three different ways to help you stop spending money on stuff you don't really need."
Raymond presents Tips For Buying, Giving, and Using Discount Gift Cards posted at Money Blue Book.
FIRE Getters presents Frugal Creative Gift Ideas for Holiday Cards! posted at FIRE Finance.
The Smarter Wallet presents Plan Your Vacation Well: Travel Tips For The Early Bird Traveler posted at The Smarter Wallet, saying, "Some tips for the frugal traveler."
MWM presents Are You an Apple Farmer or a Potato Farmer? posted at Pizza For A Dream, saying, "Great story about 2 different types of money making and the long-term implications of how we make money."
Lane Wright presents Personal Loans via Social Lending posted at Fast Signature Loan.
Helen Trump presents Build a Business, Not a Product posted at Social Marketing by Michelle MacPhearson, saying, "Great blog input about Building Business, Not a Product."
greg Group presents 8 Steps to Making Money in Affiliate Marketing - Associated Content posted at Associated Content, saying, "The steps to success as an affiliate marketer are within the reach of anyone regardless of your prior experience. The steps you need to build your search marketing business are already online for you to take advantage of them. All you need is a computer connected online, time to learn and a little startup money to advertise."
KCLau presents How to manages monthly cash flow posted at KCLau's Money Tips, saying, "This post is contributed by Relax, the blog author of Wise Curve - get smarter every day!
I feel honoured to contribute a post on KC Lau’s blog. He’s one of my multi talented role models so I count myself lucky to be his net friend. Now let’s talk about money and how to manage cash flow."
Lisa Medina presents Work At Home Tips For Moms: Can Joel Osteen or "The Secret" Help you in your mlm or business posted at Work At Home Tips For Moms, saying, "Learn if "The Secret" or "Joel Osteen" could help you with your start-up or business."
Jeremy Zongker presents 76 Ways to Save Money While Saving the Environment posted at Destroy Debt.
AnthonyG presents 6 Lessons Learned From Being In Debt posted at Master Your Card, saying, "I ran across an article at Kiplinger.com that really reflects everything I’ve ever learned about being in debt and so I thought it would be fun to talk about. Like the author of the Kiplinger article, I don’t have a lot of money, and unless I get that book deal or sell a script to Hollywood, I probably won’t have a lot of money."
MoneyNing presents Dependent Day Care Flexible Spending Account (FSA) posted at Money Ning, saying, "FSA are one of the few ways of helping us save money on child care that can get very expensive! Remember to take advantage of it for the year of 2009!"
Joe Manausa presents Great News For First Time Homebuyers In Florida Real Estate posted at Tallahassee Real Estate Blog, saying, "It is interesting to note that in these times of financial hardship for everyone that there seems to be an abundance of financial assistance programs out there for eligible homebuyers purchasing new or existing homes in Florida."
Joan presents Reflections on my last major pay cut ... posted at Mothers on the Brink, saying, "A suburban mom reflects on how she survived a 65 percent pay cut after she quit her job to raise a family. First step: blow savings on baby gear ..."
cfgoulart presents Loan Modification - Do it Yourself posted at Real Estate Money Matters, saying, "Information on how to do a loan modification yourself, along with resources and tips. Adjust your rate, principal balance or term without paying someone else to do it for you."
Jessie presents [Mostly] Wordless Wednesday posted at My Investing Blog.
Jimson Lee presents Toll-free, Cheap or Free Conference Calls and Web Presentations posted at CRM Help Desk Software.com, saying, "How to Save Money on International Conference Calls and Web Presentations"
Don presents Is it better to pay off student loans quickly? posted at D.P. Lawson, saying, "Many new college graduates struggle with the question of whether or not they should pay off their student loans quickly or just make the minimum payments month after month. This article discusses the benefit of getting those loans paid off quickly."
Heather Levin presents The Benefits of Paying Off Your Mortgage Early posted at The Greenest Dollar, saying, "Want to know the drawbacks and benefits to paying off your mortgage early? Want to learn how I'm paying off my own? This article will show you how..."
Qovax presents Read Financial Footnotes, Invest Safely posted at Value Investing and Entrepreneurship by Qovax, a Software Startup, saying, "Financial footnotes are like the fine print on an aspirin label. You need to read the fine print to realize that aspirin side effects include gastrointestinal bleeding. Financials footnotes are to companies as fine print are to drugs."
David presents Bad News is an Investor’s Best Friend posted at Worldwide Success.
Bill Spohnholtz presents Caterpillar (CAT) Heavy Equipment Time posted at Learn The Stock Market And How to Trade.
Lauren Rose presents Practicing in the Forex Market posted at Stock Markets Investment, saying, "Why you should start practicing forex trading by playing many online games and simulations where you can learn many of its tips, tricks, and pitfalls."
Michael Cohen presents Traits Of A Good Investor | The Stock Investor - Stock Advice And Tips posted at The Stock Investor, saying, "These are the three most importnat traits of a successful stock investor."
Lance Cooper presents How Trickle Down Affects You posted at Recession Money Matters, saying, "Think you are insulated from the stock market? Think again."
Fatty presents Moving Average Crossover: Theory posted at Fatty Fat Fat.
Investing School presents 52 Must Read Quotes from Legendary Investor - Warren Buffett posted at Investing School, saying, "Great quotes from a brilliant man!"
Aussie Investor presents Watching What Fund Managers Are Buying And Selling posted at Australian Investing, saying, "Watching the professional investors can be a great way to generate new investment ideas. However you will need to use your discretion - don't buy stocks indiscriminately just because your favorite money manager is buying. This article looks at a couple of ways to take advantage of what the big boys are doing as well as pointing out the pitfalls."
Investing Angel presents Learning Financial Planning through Asset Allocation » Free Stock Market Investing Tips posted at Stock Tips, saying, "Some ways to learn about financial planning."
Junior presents Does The Big Three Crisis Mark The End Of Big Labor posted at Car Commentary, saying, "Will the near failure of US automakers doom the future of unions?"
Jon Swift presents Conservatives Need a Bailout posted at Jon Swift, saying, "No one has been hit harder by this financial turmoil than conservatives. Although conservatives generally support self-reliance when it comes to others, the situation is so dire that the only thing that will save our conservative institutions at this point is a quick infusion of government aid."
Silicon Valley Blogger presents Best Cash Back Credit Cards: Your Rewards For Spending posted at The Digerati Life, saying, "If you've got good credit and have good credit card usage habits, then why not take advantage of credit cards that offer extra rewards? By doing so, you'll reduce your expenses by getting cash back for using these cards."
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