Carnival of road to financial independence #15

Welcome to the January 19, 2010 edition of road to financial independence.

Beating Inflation

Evolution Of Wealth presents Cash Is Clementines!?! posted at Evolution of Wealth, saying, "For the average person that has a problem with debt cash makes sense. For the rest of use, cash will only slow us down. Cash is not king. Focus instead on the power of LUC (liquidity, use and control)."

Frugal Living

Sandra Lopez presents 100 Inspiring Personal Finance Posts for the New Year posted at Accounting Degree.com.

Big Cajun Man presents Do you have saving questions? posted at Canadian Personal Finance Blog, saying, "Lots of questions to be asked about saving money..."

Sun presents Getting Ready to Create Your 2010 Budget posted at The Sun’s Financial Diary.

Wenchypoo presents Another Light Bulb Moment--This Time, It's Taxes posted at Wisdom From Wenchypoo's Mental Wastebasket, saying, "By only buying raw materials and making lots of things from them, not only are you saving the cost of those other finished goods, but you're saving TAXES by not buying them!

It's legal tax avoidance."

Passive Income

David de Souza presents Tax Returns for Landlords. posted at UK Tax Blog, saying, "Due to house prices decreasing, more people are renting their properties instead of selling. This post offers 5 helpful tips to people renting their properties at the moment."

the2ndjob.com presents How Important Is a Website? posted at The 2nd Job.

Steve C presents How To Find Time To Start A Side Business posted at MyWifeQuitHerJob.com.

MDP presents Prosper Versus Lending Club posted at My Dollar Plan.

Reducing Expenses

How to Lower Your Home Mortgage Payment | eHow.com posted at FaithAllen, saying, "Learn how to reduce your monthly home mortgage payments today by"

jim presents Is YMax magicJack a Scam? posted at Blueprint for Financial Prosperity.

My Life ROI presents 6 Tips to Lower Your Homeowners Insurance Costs posted at My Life ROI, Getting the Best Return On Life, saying, "Often times people don't touch their homeowners insurance policies. However, by doing so, you are not doing yourself justice. You may be leaving lapses or gaps in coverage or you may be over-insured and paying more money then you need to."

Peak Personal Finance presents New Year Financial Resolution: Refinance posted at Peak Personal Finance, saying, "It's never too late to resolve to save money!"

Heidi presents 3 Cool Tools to Help you Save Money posted at Little People Wealth, saying, "Three Tools to help you save money online."

Alex presents Should I Use a Credit Card to Build Up Points for Rewards? | MoneyStance.com posted at MoneyStance - Money Making Opportunity Reviews, saying, "Alex’s get out of debt blog addresses a tough question, do you keep spending on credit cards because of the rewards program or is that too dangerous? See his progress on paying down a half a million dollars in debt and discuss this difficult question."

Emily Simmons presents How to Do a Debt Snowball posted at Be In Health Now, saying, "Who made a New Year's resolution to get out debt this year? This post on how to do a debt snowball should help."

Lynnae presents Why Tracking Expenses Important When Paying Off Debt posted at beingfrugal.net, saying, "Tracking your spending is important, if you want to stop the leaks in your budget and get out of debt more quickly."

emancave presents Living on a budget made easier with Mint.com posted at e-ManCave.com, saying, "Making a realistic budget and sticking to it is one key to financial independence but it's usually not easy and a lot of those fancy tools aren't easy to use either. Mint.com not only provides an easy web based tool to automatically import and track expenses against your budget but it also makes recommendations to reduce expenses further like focusing on the highest apr credit card or suggesting you do a balance transfer to a new card that has a special offer and it projects how much those changes will mean to your budget in the future. Having a visual of that impact is a huge motivator for me."

Stock Investments

Jae Jun presents How to create online investment tracking spreadsheet posted at Old School Value, saying, "Use this free stock tracking spreadsheet or learn how to create your own dynamic online portfolio tracking spreadsheet that is always up to date. You can now view it anywhere, anytime."

FMF presents Asset Allocation and Investing Temperament the Sound Mind Investing Way (And Giveaway!) posted at Free Money Finance, saying, "The single-most important thing anyone can do to improve the return on their investments is to set and maintain an appropriate asset allocation. This articles gives thoughts on the process of doing so."

Darwin presents Business Development Companies – Excellent Overlooked Investment Strategy posted at Darwin's Finance, saying, "A Business Development Company (BDC) is a niche investment category that even many high yield investors don’t have much familiarity with. You probably should given what you're missing."

Nesher presents Never add to a losing position: Trading Decision Basics posted at Internet Stock Trading for Beginners.

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