Welcome to the December 16, 2008 edition of road to financial independence.
Beating Inflation
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."
Frugal Living
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."
Passive Income
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."
Reducing Expenses
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..."
Stock Investments
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."
All Others: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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