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	<title>Pop Economics &#187; Administration</title>
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		<title>Making a new contract with myself</title>
		<link>http://www.popeconomics.com/2010/12/22/making-a-new-contract-with-myself/</link>
		<comments>http://www.popeconomics.com/2010/12/22/making-a-new-contract-with-myself/#comments</comments>
		<pubDate>Wed, 22 Dec 2010 14:30:57 +0000</pubDate>
		<dc:creator>Pop</dc:creator>
				<category><![CDATA[Administration]]></category>

		<guid isPermaLink="false">http://www.popeconomics.com/?p=2085</guid>
		<description><![CDATA[I need your help! One of those rare posts that&#8217;s about me. Pop Economics is almost a year old, and I need your help determining what it&#8217;s going to be next year. If you&#8217;ve been following Pop Economics for a while, you probably know that for several months, I&#8217;ve had a contract with myself to [...]]]></description>
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<p><span style="font-size:20px;"><strong>I need your help! One of those rare posts that&#8217;s about me.</strong></span></p>
<p>Pop Economics is almost a year old, and I need your help determining what it&#8217;s going to be next year.</p>
<p>If you&#8217;ve been following Pop Economics for a while, you probably know that for several months, I&#8217;ve <a href="http://www.getrichslowly.org/blog/2010/09/30/how-to-use-a-commitment-contract-to-change-your-habits/" target="none" onclick="pageTracker._trackPageview('/outgoing/www.getrichslowly.org/blog/2010/09/30/how-to-use-a-commitment-contract-to-change-your-habits/?referer=');">had a contract</a> with myself to post at least twice per week. If I don&#8217;t meet the terms (as determined by a third party arbiter), I instantly get charged $100 per offense. It was a way to get me in the groove of writing as much as I wanted to, and it was mostly successful.</p>
<p>Sure, I started doing stupid stuff, like waiting until 11:59 PM on Saturday to post something, or posting twice on Saturday because I hadn&#8217;t done anything earlier in the week. But overall I did work and you guys got content when you wouldn&#8217;t have otherwise. </p>
<p>I don&#8217;t think the quality has dipped all that much, though there were definitely times when I would have liked to have spent more time on something but didn&#8217;t have time. It&#8217;s a tradeoff.</p>
<p>Well, here&#8217;s the thing. <strong>After six months of being under contract to post twice per week, that contract has expired, leaving me without a penalty over my head for continuing to work here.</strong></p>
<p>I&#8217;m still going to post, of course, and I&#8217;m trying to figure out how I should structure my contract for the New Year. I could continue with two posts per week, but it&#8217;s dawned on me that while that&#8217;s good for &#8220;maintenance&#8221;, it doesn&#8217;t really help the blog grow. So I&#8217;m trying to think of things that will keep all of you already here happy, while also expanding PopEc to other worlds of the blogosphere.</p>
<p>Should I commit to commenting on at least X blogs per day? Or write X guest posts per month? Maybe I need to have a contract to finally churn out that e-comic-book that I&#8217;ve been talking on and off about for months?</p>
<p>There are lots of exciting possibilities. I see all of those as doable, especially when I give myself extra, external motivation to accomplish them.</p>
<p>As January 1 marks the first anniversary of Pop, I think it&#8217;s also time to reconsider and refocus what this blog is about. When I started, it was a pretty steady mix of personal finance, investing, and behavioral finance content. As I got going, I realized that behavioral finance was one area that not as many wrote about or maybe knew enough to write about. And after a few months, at time it felt like it was <em>all</em> I was writing about.</p>
<p>I&#8217;m not so sure if that&#8217;s a great thing. After all, most of that stuff you can&#8217;t even control, whereas, say, investing advice can be readily applied.</p>
<p><span style="font-size:20px;"><strong>So what do <em>you</em> want to see from Pop Economics?</strong></span></p>
<p>So all that&#8217;s to say, I&#8217;m looking for some advice. And who better to ask than you thousand-some-odd subscribers? <strong>What content do you want to see more of? What do you want to see less of?</strong></p>
<p>Please send me a note through the contact form or put it in the comments. I&#8217;m taking a break between Christmas and New Year&#8217;s but respond, and I&#8217;ll use your responses to guide a more comprehensive survey I&#8217;ll send out during the first week in January.</p>
<p>And please know that I really appreciate the time you&#8217;ve spent here and hope this partnership continues in the New Year.</p>
<p>Happy holidays!</p>
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		<title>Growing Up: A little weekend business</title>
		<link>http://www.popeconomics.com/2010/10/16/growing-up-a-little-weekend-business/</link>
		<comments>http://www.popeconomics.com/2010/10/16/growing-up-a-little-weekend-business/#comments</comments>
		<pubDate>Sun, 17 Oct 2010 03:45:48 +0000</pubDate>
		<dc:creator>Pop</dc:creator>
				<category><![CDATA[Administration]]></category>

		<guid isPermaLink="false">http://www.popeconomics.com/?p=1828</guid>
		<description><![CDATA[Thanks for making this blog a success. I don&#8217;t write administrative posts often. I think this is my second this year. They feel a little self-referential. I really admire bloggers who put their personal lives and milestones out there, but anyone who&#8217;s read this for a while knows that I&#8217;m not one of those guys. [...]]]></description>
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<p><span style="font-size:20px;"><strong>Thanks for making this blog a success.</strong></span></p>
<p>I don&#8217;t write administrative posts often. I think this is my second this year. They feel a little self-referential. I really admire bloggers who put their personal lives and milestones out there, but anyone who&#8217;s read this for a while knows that I&#8217;m not one of those guys. I&#8217;ll try to make this quick.</p>
<p>Pop Economics passed a milestone that&#8217;s pretty significant to me, and I wanted to tell you all about it. As of a few days ago, we have a bit over 1,000 subscribers to the blog. That&#8217;s not a gigantic number by any means, but it&#8217;s still far more than I would have expected after 10 months of existence.</p>
<p>Anyway, I&#8217;m really humbled that so many of you visited and decided to stick around. And as attention has increased, I&#8217;ve realized I need to get a little more serious about how I run things around here.</p>
<p><span style="font-size:20px;"><strong>New posts every Tuesday and Friday</strong></span></p>
<p>I know my writing here has been a little haphazard. I started out just kind of writing when I felt like it. Then I quietly committed to writing twice per week. I know a good portion of you came over for the first time from Get Rich Slowly, after I wrote a <a href="http://www.getrichslowly.org/blog/2010/09/30/how-to-use-a-commitment-contract-to-change-your-habits/" target="none" onclick="pageTracker._trackPageview('/outgoing/www.getrichslowly.org/blog/2010/09/30/how-to-use-a-commitment-contract-to-change-your-habits/?referer=');">guest post</a> for J.D. (its author). Those of you who did know this part already.</p>
<p>To those of you who didn&#8217;t read it (you <a href="http://www.getrichslowly.org/blog/2010/09/30/how-to-use-a-commitment-contract-to-change-your-habits/" target="none" onclick="pageTracker._trackPageview('/outgoing/www.getrichslowly.org/blog/2010/09/30/how-to-use-a-commitment-contract-to-change-your-habits/?referer=');">should</a>!), I established a contract at <a href="http://www.stickk.com" target="none" onclick="pageTracker._trackPageview('/outgoing/www.stickk.com?referer=');">Stickk.com</a> that requires me to post twice per week or else be penalized $100 for every missed goal. I have a third-party judge to make sure I don&#8217;t lie to Stickk.</p>
<p>Yeah, it&#8217;s lame that I have to discipline myself sometimes to keep writing, but I knew I had to set rules for myself to keep this from falling to the backburner. I&#8217;m also intrigued by the idea of it. One of the guys who founded the site researched how financial penalties incentivize us to break bad habits or establish good new ones. It&#8217;s taking a little bit of behavioral economics and putting it in practice on myself.</p>
<p>Anyway, I&#8217;m going to modify that contract to make sure I don&#8217;t keep putting off posts until the end of the week. From now on, all posts will happen <del datetime="2010-11-12T13:28:27+00:00">at 8 ET </del>on Tuesdays and Fridays (actually, looking at the contract, it looks like I didn&#8217;t specify a time. So it will simply be by 11:59 PM). If it doesn&#8217;t happen, you can bet I&#8217;m paying for it ; ).</p>
<p><span style="font-size:20px;"><strong>New art every other month.</strong></span></p>
<p>Probably beginning in December (art takes time), I&#8217;ll introduce a new original, economics-related pop art image every month. You know it&#8217;s funny&#8212;when I <a href="http://www.popeconomics.com/2010/04/19/help-me-serve-you-better/">surveyed</a> you guys several months ago, one of the things you said you wanted <em>least</em> was new pop imagery. You valued behavioral finance and investing content much more highly. I get that.</p>
<p>But I like pop art! And I&#8217;m a little sad I&#8217;ve let it fall to the wayside over the last few months as I&#8217;ve focused on written content. So that&#8217;s going to get revived post haste, with one image this year and at least six new images next year.</p>
<p><span style="font-size:20px;"><strong>Still no guest posts.</strong></span></p>
<p>I&#8217;ve had one guest post on the site. It was great, but, unfortunately, I probably spent more time moderating comments that week than I spent creating content. Since then, I haven&#8217;t allowed any guest posts. It&#8217;s not that I don&#8217;t think anyone else could contribute quality content to the blog, or that I don&#8217;t like people promoting their own stuff on here. It&#8217;s that I&#8217;ve committed to only asking readers to listen to me two to three times per week. So when I have a guest post, that&#8217;s half my week&#8217;s content!</p>
<p>So if you have guest post ideas, that&#8217;s great. But for now, I&#8217;m still not going to host them on the site. That <em>will</em> change someday. Just be patient as the blog grows!</p>
<p><span style="font-size:20px;"><strong>Thanks again!</strong></span></p>
<p>Another survey will probably appear sometime in the next few weeks, so I can get a better handle on what content you want and any awesome ideas you might have. But until then, thank you so much for reading, and you&#8217;ll hear from me on Tuesday.</p>
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		<title>Carnival of Personal Finance #261: Pop Art Edition</title>
		<link>http://www.popeconomics.com/2010/06/14/carnival-of-personal-finance-261-pop-art-edition/</link>
		<comments>http://www.popeconomics.com/2010/06/14/carnival-of-personal-finance-261-pop-art-edition/#comments</comments>
		<pubDate>Mon, 14 Jun 2010 12:00:43 +0000</pubDate>
		<dc:creator>Pop</dc:creator>
				<category><![CDATA[Administration]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[retirement]]></category>
		<category><![CDATA[time]]></category>

		<guid isPermaLink="false">http://www.popeconomics.com/?p=1130</guid>
		<description><![CDATA[Welcome participants in the Carnival of Personal Finance! I&#8217;m really glad you participated and stopped by. I&#8217;d be even more happy if you came by more often! Here are a few reasons why you should: &#160; 1. This ain&#8217;t your typical personal finance blog. I don&#8217;t often tackle the basics of a Roth IRA or [...]]]></description>
			<content:encoded><![CDATA[<p><a class="post_image_link" href="http://www.popeconomics.com/2010/06/14/carnival-of-personal-finance-261-pop-art-edition/" title="Permanent link to Carnival of Personal Finance #261: Pop Art Edition"><img class="post_image aligncenter" src="http://www.popeconomics.com/wp-content/uploads/2010/06/a-message-from-Pop.jpg" width="500" height="600" alt="Post image for Carnival of Personal Finance #261: Pop Art Edition" /></a>
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<p style='border: 1px solid; background: #eee; padding:3mm;'>
Welcome participants in the Carnival of Personal Finance! I&#8217;m really glad you participated and stopped by. I&#8217;d be even more happy if you came by more often! Here are a few reasons why you should:<br />
&nbsp;<br />
1. This ain&#8217;t your typical personal finance blog. I don&#8217;t often tackle the basics of a Roth IRA or how to choose a money market account. I <em>do</em> write about the cutting edge of <a href="http://www.popeconomics.com/2010/04/27/how-the-placebo-effect-goes-beyond-medicine/">behavioral finance</a> and how it should affect the choices you make.<br />
&nbsp;<br />
2. I won&#8217;t overload your inbox or feed reader with posts. I only post a couple times a week, but I try to swing for the fences with every one. That might be part of the reason I&#8217;ve been an editor&#8217;s pick in six <a href="http://carnivalofpersonalfinance.com/" target="none" onclick="pageTracker._trackPageview('/outgoing/carnivalofpersonalfinance.com/?referer=');">carnivals of personal finance</a>, despite only being around for a few months.<br />
&nbsp;<br />
3. I have <a href="http://www.popeconomics.com/gallery/">cool art</a>. There&#8217;s more than one reason it&#8217;s called Pop Economics. So please <a href="http://feeds.feedburner.com/PopEconomics" onclick="pageTracker._trackPageview('/outgoing/feeds.feedburner.com/PopEconomics?referer=');">subscribe</a>!
</div>
</p>
<p><span style="font-size:20px;"><strong>First, a word from your host.</strong></span></p>
<p>Welcome to the 261st edition of the <a href="http://www.carnivalofpersonalfinance.com" onclick="pageTracker._trackPageview('/outgoing/www.carnivalofpersonalfinance.com?referer=');">Carnival of Personal Finance</a>! I&#8217;m thrilled to be the host, especially since I owe so much to the carnival for getting this blog off the ground. For those unfamiliar, a blog carnival is where writers from around the blogosphere can showcase their best work for the previous week. The carnival hops from blog to blog every week, and this time around, I&#8217;m the host.</p>
<p>We received 67 entries this time around, and all but a couple made it in here. I read each and every one of them&#8212;Yes, that takes a long time&#8212;And tried to leave comments and/or constructive criticism where I thought it was warranted.</p>
<p>When I hit my third hour putting this together, I started to wonder: Is there nothing new under the sun? So many posts submitted this week&#8212;and indeed, in the archives of so many of the blogs I was introduced to&#8212;delved into the same topics, with the same tone, and the same tendency to exploit SEO opportunities. I yearned for fresh perspectives or explorations of topics that <em>weren&#8217;t</em> just the old yarns about index funds, frugality tips, and savings accounts. I know that&#8217;s extremely difficult, and it&#8217;s easy for me to say given that I post just a couple times per week on average, and that you guys in most cases post every day. But our readers deserve better!</p>
<p>So anyway, to those of you who actually read the carnival, I throw down this gauntlet. Next week, write a personal finance post that contains content you can&#8217;t find on any other personal finance blog you know. I <em>guarantee</em> you that you&#8217;ll have a higher chance of attracting readers, getting an Editor&#8217;s Pick, and convincing people that they should be subscribing to your blog in addition to the well-established stalwarts that we all look up to. Success is not imitating Get Rich Slowly, Consumerism Commentary, The Simple Dollar, or all those others who&#8217;ve been able to make this into a living. It&#8217;s standing on their shoulders and delivering a product that goes beyond them.</p>
<p>So, soap box away. Let the carnival begin. As a little gift to my editor&#8217;s picks, I&#8217;ve taken my favorite images from Pop Economics and adapted them to fit their themes.</p>
<p><span style="font-size:15px;"><strong>Editor&#8217;s Picks</strong></span></p>
<p>These blogs delivered fresh, well-written, and thought-provoking stories this week. They&#8217;re well-deserved Editor&#8217;s Picks.</p>
<p><strong>Jim from Bargaineering presents <a href="http://www.bargaineering.com/articles/goldline-scam.html" onclick="pageTracker._trackPageview('/outgoing/www.bargaineering.com/articles/goldline-scam.html?referer=');">Is Goldline a Scam?</a>.</strong> I&#8217;m thrilled to say this is a post I entirely disagree with yet still think should be an Editor&#8217;s Pick. Jim takes a look at popular gold coin seller Goldline and asks if they&#8217;re a scam. He concludes that they aren&#8217;t, and I guess I agree, but there&#8217;s no question that they&#8217;re modeled in such a way to take maximum advantage of the public&#8217;s general ignorance of the most cost effective ways to buy gold. They also employ familiar TV pitchmen to gain trust. Fraud? Maybe not. In the same way that it wasn&#8217;t against the rules of Monopoly when my friend traded &#8220;St. Charles&#8221; for &#8220;Boardwalk&#8221; with his 7-year-old sister because she liked the color purple.</p>
<p><strong>RJ Weiss from Gen Y Wealth presents <a href="http://genywealth.com/life-change-income-doubled" onclick="pageTracker._trackPageview('/outgoing/genywealth.com/life-change-income-doubled?referer=');">How Would Your Life Change if your Income Doubled?</a>.</strong> This is a short, sweet exercise that I read and immediately identified with. RJ finds that the proper, more life-changing question was &#8220;How would your life change if your time doubled?&#8221; Given the popularity of the Four Hour Work Week and endless other take-your-time-back books, I think this theme will be a calling card of younger generations.</p>
<p><strong>Sun from The Sun&#8217;s Financial Diary presents <a href="http://www.thesunsfinancialdiary.com/investing/diversify-lending-club-loan-portfolio/" onclick="pageTracker._trackPageview('/outgoing/www.thesunsfinancialdiary.com/investing/diversify-lending-club-loan-portfolio/?referer=');">Can I Really Diversify My Lending Club Loan Portfolio?</a>.</strong> This is one I didn&#8217;t expect to like very much but ended up liking a whole lot. It takes a popular, &#8220;new&#8221; asset class&#8212;lending club loans&#8212;and treats it as if it were any other serious investment. I&#8217;ve never thought of loans I made to friends as &#8220;bonds&#8221; with a need to diversify. Then again, if I were involved in the Lending Club, I&#8217;d probably have to start thinking that way.</p>
<p><a href="http://www.popeconomics.com/wp-content/uploads/2010/06/Gen-Y-if-income-doubled.jpg"><img src="http://www.popeconomics.com/wp-content/uploads/2010/06/Gen-Y-if-income-doubled.jpg" alt="" title="Gen Y if income doubled" width="400" height="400" class="aligncenter size-full wp-image-1180" /></a></p>
<p><span style="font-size:15px;"><strong>Budgeting</strong></span></p>
<p><strong>Miss T from Prairie Eco-Thrifter presents <a href="http://www.prairieecothrifter.com/2010/06/make-your-budget-work-with-9-key-steps.html" onclick="pageTracker._trackPageview('/outgoing/www.prairieecothrifter.com/2010/06/make-your-budget-work-with-9-key-steps.html?referer=');">Make Your Budget Work with 9 Key Steps</a>.</strong> A basic list of advice if you&#8217;re just setting out to make a budget. I agree that it&#8217;s important to give yourself leeway sometimes. Psychologists have shown that your willpower is like a muscle. Try to deny yourself everything at once, and it&#8217;ll give out.</p>
<p><strong>Jeff from Sustainable Life Blog presents <a href="http://sustainablelifeblog.com/2010/06/04/control/" onclick="pageTracker._trackPageview('/outgoing/sustainablelifeblog.com/2010/06/04/control/?referer=');">Control</a>.</strong> A quick trip into the author&#8217;s loss of control of his finances and how he got it back.</p>
<p><span style="font-size:15px;"><strong>Career</strong></span></p>
<p><strong>Revanche from A Gai Shan Life presents <a href="http://agaishanlife.blogspot.com/2010/06/updating-your-resume-is-like-banking.html" onclick="pageTracker._trackPageview('/outgoing/agaishanlife.blogspot.com/2010/06/updating-your-resume-is-like-banking.html?referer=');">Updating your resume is like banking your savings</a>.</strong> I was surprised how few submissions on careers there were this month given that unemployment is probably the number-one financial topic on people&#8217;s minds right now. But this post is an excellent reminder that keeping the resume up-to-date is essential to preparing in case you do lose a job.</p>
<p><strong>Tech Guy from Technical Certifications presents <a href="http://technicalcertifications.net/are-technical-certifications-worth-it.htm" onclick="pageTracker._trackPageview('/outgoing/technicalcertifications.net/are-technical-certifications-worth-it.htm?referer=');">Are Technical Certifications Worth It?</a>.</strong> Great question that I&#8217;ve always wondered about. I&#8217;d like to see someone look at PayScale data or some more industry data to see how salaries change once the certifications are earned.</p>
<p><span style="font-size:15px;"><strong>Credit</strong></span></p>
<p><strong>Mr. Credit Card from Ask Mr. Credit Card presents <a href="http://www.askmrcreditcard.com/creditcardblog/do-good-earn-membership-rewards-points/" onclick="pageTracker._trackPageview('/outgoing/www.askmrcreditcard.com/creditcardblog/do-good-earn-membership-rewards-points/?referer=');">Do Good Earn Membership Rewards Points</a>.</strong> This is about an American Express card that combines membership rewards with charitable giving.</p>
<p><strong>David from Credit Card Offers IQ presents <a href="http://creditcardoffersiq.com/blog/us-bank-offers-no-fee-0-balance-transfer-cards/" onclick="pageTracker._trackPageview('/outgoing/creditcardoffersiq.com/blog/us-bank-offers-no-fee-0-balance-transfer-cards/?referer=');">U.S. Bank Offers No Fee 0% Balance Transfer Cards</a></strong>, and says, &#8220;No fee 0% balance transfer offers are back through U.S. Bank.&#8221;</p>
<p><strong>Kris Bickell from Debt Tips presents <a href="http://www.debt-tips.com/blog/item/7-simple-tips-to-protect-yourself-from-credit-repair-scams" onclick="pageTracker._trackPageview('/outgoing/www.debt-tips.com/blog/item/7-simple-tips-to-protect-yourself-from-credit-repair-scams?referer=');">7 Simple Tips To Protect Yourself From Credit Repair Scams</a>.</strong> Offers some alternatives to paying someone to get you out of debt.</p>
<p><strong>Money Beagle from Money Beagle presents <a href="http://www.moneybeagle.com/2010/06/do-you-select-credit-or-debit.html" onclick="pageTracker._trackPageview('/outgoing/www.moneybeagle.com/2010/06/do-you-select-credit-or-debit.html?referer=');">Do You Select Credit Or Debit?</a>.</strong> Argues convincingly that paying by credit beats paying by debit. I would add, and many others have said, that using credit also gives you an effectively free loan between the time you charge and the time you pay the card off.</p>
<p><strong>Tim Chen from NerdWallet presents <a href="http://www.nerdwallet.com/blog/2010/hhonors-hilton-honors-program-summary-and-credit-card-review/" onclick="pageTracker._trackPageview('/outgoing/www.nerdwallet.com/blog/2010/hhonors-hilton-honors-program-summary-and-credit-card-review/?referer=');">What You Need to Know to Save Money with Hilton HHonors</a>.</strong></p>
<p><span style="font-size:15px;"><strong>Debt</strong></span></p>
<p><strong>Danielle Liss from DanielleLiss.com presents <a href="http://www.danielleliss.com/2010/06/the-danielle-deficit-june-2010-update.html" onclick="pageTracker._trackPageview('/outgoing/www.danielleliss.com/2010/06/the-danielle-deficit-june-2010-update.html?referer=');">The Danielle Deficit: June 2010 Update</a>.</strong> She has more than $100,000 in debt. An update on her progress to paying it off.</p>
<p><strong>mamamortgage from Goodbye Mortgage presents <a href="http://goodbyemortgage.wordpress.com/2010/06/04/so-whats-with-the-crazy-ass-goal/" onclick="pageTracker._trackPageview('/outgoing/goodbyemortgage.wordpress.com/2010/06/04/so-whats-with-the-crazy-ass-goal/?referer=');">So what&#8217;s with the crazy-ass goal?</a>.</strong> This Australian couple is trying to pay off their second mortgage in one year. No word on what they&#8217;re going to call their blog next year.</p>
<p><strong>Jason from Live Real, Now presents <a href="http://liverealnow.net/keep-your-friends-out-of-debt/" onclick="pageTracker._trackPageview('/outgoing/liverealnow.net/keep-your-friends-out-of-debt/?referer=');">Keep Your Friends Out of Debt</a>.</strong> Suggests alternatives if your friends are always trying to drag you out to an expensive night on the town.</p>
<p><span style="font-size:15px;"><strong>Finance</strong></span></p>
<p><strong>Tom @ Canadian Finance Blog from Canadian Finance Blog presents <a href="http://canadianfinanceblog.com/2010/06/08/retirement-income-planning-where-will-your-retirement-income-come-from.htm" onclick="pageTracker._trackPageview('/outgoing/canadianfinanceblog.com/2010/06/08/retirement-income-planning-where-will-your-retirement-income-come-from.htm?referer=');">Retirement Income Planning: Where Will Your Retirement Income Come From?</a>.</strong> I don&#8217;t know much about Canadian retirement income, but if you live in the country, this is a little inventory of the sources you can expect to draw from.</p>
<p><strong>CPF from Christian Finances presents <a href="http://www.christianpf.com/ing-direct-atm-location-app/" onclick="pageTracker._trackPageview('/outgoing/www.christianpf.com/ing-direct-atm-location-app/?referer=');">ING Direct ATM Location Finder App</a>.</strong> Releases the bit of news described in the title.</p>
<p><strong>Stephen Popick from DINKS Finance presents <a href="http://www.dinksfinance.com/2010/06/reading-the-tea-leaves" onclick="pageTracker._trackPageview('/outgoing/www.dinksfinance.com/2010/06/reading-the-tea-leaves?referer=');">Reading the Tea Leaves</a>.</strong> What the financial reform bill Congress just passed means to you.</p>
<p><strong>vh from Funny about Money presents <a href="http://funny-about-money.com/2010/06/03/interchange-legislation-how-would-you-vote/" onclick="pageTracker._trackPageview('/outgoing/funny-about-money.com/2010/06/03/interchange-legislation-how-would-you-vote/?referer=');">Interchange Legislation: How Would You Vote?</a>.</strong> I don&#8217;t think I&#8217;d ever headline a story with the words &#8220;interchange legislation&#8221;&#8212;eyes glaze over&#8212;but this post is really great. All too often banks, merchants, and interest groups try to get you involved in calling your congressman to thwart evil bills that would raise your costs. But often, when you read the fine print, it&#8217;s really a case of the bank protecting itself. In this particular case the author reads the fine print for you.</p>
<p><strong>The Smarter Wallet from The Smarter Wallet presents <a href="http://thesmarterwallet.com/2010/bank-safe-bank-ratings/" onclick="pageTracker._trackPageview('/outgoing/thesmarterwallet.com/2010/bank-safe-bank-ratings/?referer=');">Is Your Bank Safe? Check Bank Ratings</a>.</strong> I&#8217;m sure this is a topic in the back of everyone&#8217;s mind, and this story shows a few ways to see how at-risk your bank is of failing. Though one, peculiar thing: Toward the end of the story, the author recommends some banks on &#8220;solid footing&#8221;. But using one of the tools mentioned for judging that (Bankrate), it looks like one (ING) is rated &#8220;below peer group&#8221; and another (Dollar Savings Direct) is &#8220;lowest rated.&#8221; I feel like if you&#8217;re going to claim banks are on solid financial footing, you should show why that is.</p>
<p><span style="font-size:15px;"><strong>Frugality</strong></span></p>
<p><strong>Kim at MMI from Blogging for Change presents <a href="http://www.moneymanagement.org/Community/Blogs/Blogging-for-Change/2010/June/To-buy-or-not-to-buy-kitchen-gadgets.aspx" onclick="pageTracker._trackPageview('/outgoing/www.moneymanagement.org/Community/Blogs/Blogging-for-Change/2010/June/To-buy-or-not-to-buy-kitchen-gadgets.aspx?referer=');">To buy or not to buy: Kitchen Gadgets</a>.</strong> Breaks down a list of kitchen gadgets and why the author did or didn&#8217;t buy it. I personally love my garlic slicer, but find it&#8217;s such a pain to wash (no dishwasher here, folks) that I never use it.</p>
<p><strong>Jaime Tardy from Eventual Millionaire presents <a href="http://www.eventualmillionaire.com/blog/2010/05/5-tips-for-the-money-saving-mom/" onclick="pageTracker._trackPageview('/outgoing/www.eventualmillionaire.com/blog/2010/05/5-tips-for-the-money-saving-mom/?referer=');">5 Tips for the Money Saving Mom</a>.</strong> There&#8217;s stuff for non-moms in here too, but it&#8217;s good to see a story that focuses its audience.</p>
<p><strong>Kevin from Financially Poor presents <a href="http://www.financiallypoor.com/getting-started/dont-miss-out-on-easy-savings-the-final-edition/" onclick="pageTracker._trackPageview('/outgoing/www.financiallypoor.com/getting-started/dont-miss-out-on-easy-savings-the-final-edition/?referer=');">Don’t Miss Out On Easy Savings</a>. </strong>Nice story with tips on using coupons to save on groceries. It&#8217;s part of a three-part (I think) series, and I really think the parts are better read altogether rather than with just this alone.</p>
<p><strong>Miss Bankrupt from Miss Bankrupt presents <a href="http://www.missbankrupt.com/things-you-should-not-buy-from-a-garage-sale/" onclick="pageTracker._trackPageview('/outgoing/www.missbankrupt.com/things-you-should-not-buy-from-a-garage-sale/?referer=');">Things You Should Not Buy From a Garage Sale</a>.</strong> Glad that even frugality blogs can draw the line somewhere.</p>
<p><a href="http://www.popeconomics.com/wp-content/uploads/2010/06/Bargaineering-goldline.jpg"><img src="http://www.popeconomics.com/wp-content/uploads/2010/06/Bargaineering-goldline.jpg" alt="" title="Bargaineering goldline" width="400" height="400" class="aligncenter size-full wp-image-1178" /></a></p>
<p><span style="font-size:15px;"><strong>Investing</strong></span></p>
<p><strong>Clint from Accumulating Money presents <a href="http://www.accumulatingmoney.com/commodity-index-funds/" onclick="pageTracker._trackPageview('/outgoing/www.accumulatingmoney.com/commodity-index-funds/?referer=');">Commodity Index Funds</a>.</strong> A quick overview of what&#8217;s certainly a hot type asset class right now.</p>
<p><strong>2 Cents from Balance Junkie presents <a href="http://balancejunkie.com/2010/06/07/are-money-market-funds-a-good-place-to-park-your-cash/" onclick="pageTracker._trackPageview('/outgoing/balancejunkie.com/2010/06/07/are-money-market-funds-a-good-place-to-park-your-cash/?referer=');">Are Money Market Funds a Good Place to Park Your Cash?</a>.</strong> His answer is &#8220;no.&#8221; And I happen to agree with him. You&#8217;ll have to click through to see why.</p>
<p><strong>Consumer Boomer from Consumer Boomer presents <a href="http://consumerboomer.com/making-use-of-a-discount-brokerage-to-invest/" onclick="pageTracker._trackPageview('/outgoing/consumerboomer.com/making-use-of-a-discount-brokerage-to-invest/?referer=');">Investing with an Online Discount Brokerage</a>.</strong> Explains how discount brokerages work.</p>
<p><strong>Dividend Growth Investor from Dividend Growth Investor presents <a href="http://www.dividendgrowthinvestor.com/2010/06/dividend-investing-works-in-all-markets.html" onclick="pageTracker._trackPageview('/outgoing/www.dividendgrowthinvestor.com/2010/06/dividend-investing-works-in-all-markets.html?referer=');">Dividend Investing Works in All Markets </a>.</strong> The article sets itself up in contrast to a different blog&#8217;s take on dividend investing, but I don&#8217;t really see the conflict. When stock prices go up and dividend payments stay the same, dividend yields go down. Maybe the underlying point is that stock prices don&#8217;t matter unless you&#8217;re trying to buy or trying to sell. Dividend investors aren&#8217;t necessarily trying to do either of those things, which is what makes that method of investing relatively stable.</p>
<p><strong>D4L from Dividends Value presents <a href="http://dividendsvalue.com/6627/managing-risk-with-dividend-stocks/" onclick="pageTracker._trackPageview('/outgoing/dividendsvalue.com/6627/managing-risk-with-dividend-stocks/?referer=');">Managing Risk With Dividend Stocks</a>.</strong> One of the more well-written posts I received this month. Even if you run a deep analysis on a company and find that it&#8217;s good to invest in, how do you deal with the outside risk that something unpredictable ruins your analysis, a la BP?</p>
<p><strong>FMF from Free Money Finance presents <a href="http://www.freemoneyfinance.com/2010/06/avoid-the-ringoffire-countries.html" onclick="pageTracker._trackPageview('/outgoing/www.freemoneyfinance.com/2010/06/avoid-the-ringoffire-countries.html?referer=');">Avoid the Ring of Fire Countries</a>.</strong> Initially impressed that a wealth management advisor wrote such a comprehensive and nuanced guest post for a PF blog. Later disappointed that the advisor has printed the exact same post on at least three blogs and his own website. We need new content people! Though it&#8217;s a good post on the complex topic of how to look at a country&#8217;s debt level when investing in it.</p>
<p><strong>Craig/FFB from Free From Broke presents <a href="http://freefrombroke.com/2010/06/choices-401k-leave-your-job.html" onclick="pageTracker._trackPageview('/outgoing/freefrombroke.com/2010/06/choices-401k-leave-your-job.html?referer=');">Choices For Your 401(k) When You Leave Your Job</a>.</strong> Awesome lists of pros and cons for the various options you&#8217;ll have for your 401k when you leave your job. I bet all-too-many people just leave their 401ks where they are, even if it&#8217;s filled with high fees and lousy investment options.</p>
<p><strong>Sean from Grow Money presents <a href="http://www.growingmoneyblog.com/2010/03/advantages-of-index-funds/" onclick="pageTracker._trackPageview('/outgoing/www.growingmoneyblog.com/2010/03/advantages-of-index-funds/?referer=');">Advantages of Index Funds</a>.</strong> Guest post on what index funds are and their benefits.</p>
<p><strong>Alexg from Magic Formula Pro presents <a href="http://www.magicformulapro.com/2010/06/07/calculating-return-on-capital/" onclick="pageTracker._trackPageview('/outgoing/www.magicformulapro.com/2010/06/07/calculating-return-on-capital/?referer=');">Calculating Return On Capital</a>.</strong> It does what it says. Oh man, I wish this had been more about hardcore &#8220;magic formula&#8221; investing. That would be one I could sink my teeth into.</p>
<p><strong>ElizabethG (Modern Gal) from Modern Gal presents <a href="http://amoderngal.com/2010/06/13/what-to-do-when-rates-are-so-low/" onclick="pageTracker._trackPageview('/outgoing/amoderngal.com/2010/06/13/what-to-do-when-rates-are-so-low/?referer=');">What To Do When Rates are So Low?</a>.</strong> Lower safe yields tempt investors to go with higher risky ones. Probably a mistake, here&#8217;s why.</p>
<p><strong>Darren from MORE than Finances presents <a href="http://morethanfinances.com/the-rule-of-72-how-it-helps-and-how-it-doesnt/" onclick="pageTracker._trackPageview('/outgoing/morethanfinances.com/the-rule-of-72-how-it-helps-and-how-it-doesnt/?referer=');">The Rule of 72 – How It Helps, And How It Doesn’t</a>. </strong>Runs through the math on how to calculate how long it will take your money to double. I&#8217;ve always found this stuff kind of silly. I mean, you can&#8217;t set your interest rate or return, so in real life, your money doubles when it doubles and not a second before.</p>
<p><strong>Paul Williams from Provident Planning presents <a href="http://www.providentplan.com/2104/investing-basics-what-is-a-mutual-fund/" onclick="pageTracker._trackPageview('/outgoing/www.providentplan.com/2104/investing-basics-what-is-a-mutual-fund/?referer=');">Investing Basics: What Is a Mutual Fund?</a>.</strong> A primer on the primary investment vehicle most of us use.</p>
<p><strong>Squirrelers from Squirrelers presents <a href="http://squirrelers.com/?p=339" onclick="pageTracker._trackPageview('/outgoing/squirrelers.com/?p=339&amp;referer=');">Diversification vs. Investing in What You Know</a>.</strong> Investing 100% of your portfolio in company stock is risky, not just because of the things the author mentions in this post, but because now, you have two major assets tied to your employer: your investments and your future earning power.</p>
<p><span style="font-size:15px;"><strong>Money Management</strong></span></p>
<p><strong>The Financial Blogger from The Financial Blogger presents <a href="http://www.thefinancialblogger.com/i%E2%80%99m-a-techno-retarded-blogger/" onclick="pageTracker._trackPageview('/outgoing/www.thefinancialblogger.com/i_E2_80_99m-a-techno-retarded-blogger/?referer=');">I&#8217;m a Techno Retarded Blogger</a>.</strong> TFB discovers Google Docs, Google Reader, and Skype.</p>
<p><strong>Steven from Hundred Goals presents <a href="http://hundredgoals.com/2010/06/10/feeling-like-john-kerry/" onclick="pageTracker._trackPageview('/outgoing/hundredgoals.com/2010/06/10/feeling-like-john-kerry/?referer=');">Feeling a Little Like John Kerry</a>.</strong> Steven admits his struggles in sticking to his financial plans. Nice post that has feeling, though I think it would have added a ton to the post if he could detail in what ways he recently deviated from his plan.</p>
<p><strong>Kim Snider from Kimmunications from Kim Snider presents <a href="https://www.kimsnider.com/blog/index.php/2010/06/create-cash-flow-to-cover-retirement/" onclick="pageTracker._trackPageview('/outgoing/www.kimsnider.com/blog/index.php/2010/06/create-cash-flow-to-cover-retirement/?referer=');">Creating Cash Flow to Cover Retirement Expenses</a>.</strong> Covers a lot of ground on the first steps you need to take once it&#8217;s finally time to withdraw from your retirement accounts. It makes one assertion that I made early in my blogging life and now disagree with (that a 5% chance of running out of money in retirement is too high when you&#8217;re planning). Why do I disagree now? It assumes that you set your retirement plan right when you retire and will never adjust if conditions warrant it. Fact of the matter is, if you create a plan that gives you even a 10% chance of failure, and you just happen to fall into that 10%, you&#8217;ll have latitude to cut back before spending your last dollar. Retirement calculators don&#8217;t factor in human&#8217;s abilities to adapt. Creating a plan that has a 100% success rate just means you have a high probability of spending much less than you could have.</p>
<p><strong>Marie from Moneymonk presents <a href="http://www.moneymonk.net/2010/05/you-cant-tell-who-rich-anymore/" onclick="pageTracker._trackPageview('/outgoing/www.moneymonk.net/2010/05/you-cant-tell-who-rich-anymore/?referer=');">You can’t tell who’s Rich anymore</a>.</strong> Credit can make anyone look rich, albeit temporarily. Though as long as they do make those debt payments, I guess you could argue that all they&#8217;re really doing is taking an advance on their future happiness. I.E. I&#8217;d rather be happy now with that trip to Hawaii than happy later with that trip + what I saved by not making interest payments. If, say, I was about to go in for a heart operation that would require I stay hooked up to a machine for the rest of my life, I might decide that it&#8217;s work taking a happiness advance. (Of course, the author is talking more about people just taking on debt willy nilly.)</p>
<p><span style="font-size:15px;"><strong>Real Estate</strong></span></p>
<p><strong>Kristia from Family Balance Sheet presents <a href="http://www.familybalancesheet.org/2010/06/what-does-beach-house-really-cost.html" onclick="pageTracker._trackPageview('/outgoing/www.familybalancesheet.org/2010/06/what-does-beach-house-really-cost.html?referer=');">What Does A Beach House REALLY Cost?</a>.</strong> Talks about a flyer that claims you can own a beach house for a couple thousand a year. A couple holes in the flyer&#8217;s claim right off the bat. 1) If you rent out the house every month, as the flyer seems to use in its math, then you really don&#8217;t have a beach house, right? The renters do. 2) You have to pay taxes on rental income.</p>
<p><strong>Mike from Money Smarts presents <a href="http://www.moneysmartsblog.com/the-stripper-with-dirty-feet-a-tenant-from-hell-story/" onclick="pageTracker._trackPageview('/outgoing/www.moneysmartsblog.com/the-stripper-with-dirty-feet-a-tenant-from-hell-story/?referer=');">The Stripper With Dirty Feet &#8211; A Tenant From Hell Story</a>.</strong> This will make anyone think twice before becoming a landlord.</p>
<p><strong>PT from PT Money presents <a href="http://ptmoney.com/2010/06/08/stated-income-mortgage-no-more-liar-loans-available/" onclick="pageTracker._trackPageview('/outgoing/ptmoney.com/2010/06/08/stated-income-mortgage-no-more-liar-loans-available/?referer=');">Stated Income Mortgage: No More Liar Loans Available</a>.</strong> Good riddance. But if you have a legitimate reason you can&#8217;t show your income, what are your options? PT takes a look.</p>
<p><strong>B from Wealth Junkies presents <a href="http://www.wealthjunkies.com/debt/walking-away-from-your-house-cut-losses-and-save-money/" onclick="pageTracker._trackPageview('/outgoing/www.wealthjunkies.com/debt/walking-away-from-your-house-cut-losses-and-save-money/?referer=');">Walking Away From Your House – Cut Losses and Save Money</a>.</strong> This didn&#8217;t provide the comment bait I expected from reading the headline. It addresses the decision to walk away from the home purely as a financial (rather than moral) issue. That&#8217;s probably the way it should be viewed anyway.</p>
<p><strong>Cheapskate Sandy from Yes, I Am Cheap presents <a href="http://yesiamcheap.com/index.php?/archives/170-Real-Life-Foreclosure-Easier-Than-Loan-Modification.html" onclick="pageTracker._trackPageview('/outgoing/yesiamcheap.com/index.php?/archives/170-Real-Life-Foreclosure-Easier-Than-Loan-Modification.html&amp;referer=');">Real Life: Foreclosure Easier Than Loan Modification?</a>.</strong> A nice, detailed story about someone with a ton of debt and no clear way out. (P.S. Double your font size!)</p>
<p><a href="http://www.popeconomics.com/wp-content/uploads/2010/06/Sun-financial-in-the-car.jpg"><img src="http://www.popeconomics.com/wp-content/uploads/2010/06/Sun-financial-in-the-car.jpg" alt="" title="Sun financial in the car" width="400" height="397" class="aligncenter size-full wp-image-1183" /></a></p>
<p><span style="font-size:15px;"><strong>Saving</strong></span></p>
<p><strong>Ace from Ace of Wealth presents <a href="http://aceofwealth.com/2010/06/my-comcast-journey-and-6-tips-to-save-money-on-cable/" onclick="pageTracker._trackPageview('/outgoing/aceofwealth.com/2010/06/my-comcast-journey-and-6-tips-to-save-money-on-cable/?referer=');">My Comcast journey and 6 tips to save money on cable</a>.</strong> You could have done better! In my experience, cable companies don&#8217;t start rolling out the deals until you say, &#8220;Please cancel my service.&#8221;</p>
<p><strong>Austin from Foreigner&#8217;s Finances presents <a href="http://www.foreignersfinances.com/podcast-ep-1-forest-frugalzeitgeist/" onclick="pageTracker._trackPageview('/outgoing/www.foreignersfinances.com/podcast-ep-1-forest-frugalzeitgeist/?referer=');">The Foreigner&#8217;s Finances Podcast &#8211; Ep. 1 with Forest from FrugalZeitgeist.com</a>.</strong> Not gonna lie, I didn&#8217;t listen to the entire 30-minute podcast. But Austin does this the right way by providing an outline of where his interview with an ex-pat from Cairo goes. The podcast covers how the guy got a visa, his blog, and money issues in Egypt.</p>
<p><strong>Carmen Nesenson from Go Banking Rates presents <a href="http://www.gobankingrates.com/savings-account/how-to-get-a-free-savings-account/" onclick="pageTracker._trackPageview('/outgoing/www.gobankingrates.com/savings-account/how-to-get-a-free-savings-account/?referer=');">3 Reasons Your Free Savings Account May Actually Be Costing You</a>.</strong> Quick post on the fees that can hit your savings account if you&#8217;re not careful.</p>
<p><strong>Paula Wethington from Monroe on a budget presents <a href="http://www.blogsmonroe.com/budget/2010/06/determining-the-phone-and-wireless-plan-for-you/" onclick="pageTracker._trackPageview('/outgoing/www.blogsmonroe.com/budget/2010/06/determining-the-phone-and-wireless-plan-for-you/?referer=');">Determining the phone and wireless plan for you</a>.</strong> This tics off the questions you should be asking yourself when it&#8217;s time to renew your cell phone contract or get a new one for a child.</p>
<p><strong>jacq from Single Mom Rich Mom presents <a href="http://www.singlemomrichmom.com/2010/06/pf-catfight-update-1-week-down-3-to-go.html" onclick="pageTracker._trackPageview('/outgoing/www.singlemomrichmom.com/2010/06/pf-catfight-update-1-week-down-3-to-go.html?referer=');">PF Catfight Update: 1 week down, 3 to go</a>. </strong>Jacq&#8217;s in a competition with a couple other PF blogs to cut her expenses for the month. The thing I love about competitions like this is that they always inspire innovative ways to save money. This one is no exception.</p>
<p><strong>Jim from Wanderlust Journey presents <a href="http://wanderlustjourney.com/bing-travels-cabin-class-search-fail/" onclick="pageTracker._trackPageview('/outgoing/wanderlustjourney.com/bing-travels-cabin-class-search-fail/?referer=');">Bing Travel’s Cabin Class Search FAIL</a>.</strong> Jim points out a potential error in how Bing displays its results for &#8220;first class&#8221; travel. If a search engine tells you it has a first class seat for $200, be suspicious.</p>
<p><span style="font-size:15px;"><strong>Taxes</strong></span></p>
<p><strong>Ryan Ayres from The Financial Student presents <a href="http://www.thefinancialstudent.com/2010/06/09/who-is-this-fica-person/" onclick="pageTracker._trackPageview('/outgoing/www.thefinancialstudent.com/2010/06/09/who-is-this-fica-person/?referer=');">Who is This FICA Person?</a>.</strong> Explains the FICA tax. I wish someone helped me decode the taxes deducted from my paycheck when I started my first job. Alas.</p>
<p><strong>Manny from Personal Dividends presents <a href="http://personaldividends.com/money/mdavis/irs-notice-what-to-do-if-you-receive-one" onclick="pageTracker._trackPageview('/outgoing/personaldividends.com/money/mdavis/irs-notice-what-to-do-if-you-receive-one?referer=');">IRS Notice – What to do if You Receive One</a>.</strong> I always feel a little hesitant when blogs try to tackle legal subjects like this, but the blog is purportedly written by a tax accountant. So maybe higher quality advice than you&#8217;d get elsewhere.</p>
<p><span style="font-size:15px;"><strong>Other</strong></span></p>
<p><strong>J. Money from Budgets Are Sexy presents <a href="http://www.budgetsaresexy.com/2010/06/should-people-be-penalized-for-their-unhealthy-habits" onclick="pageTracker._trackPageview('/outgoing/www.budgetsaresexy.com/2010/06/should-people-be-penalized-for-their-unhealthy-habits?referer=');">Should People Be Penalized For Their Unhealthy Habits?</a>.</strong> Love the topic. A tangential question: Should we set up penalties for <em>ourselves</em> if we don&#8217;t reach certain goals? So if you overeat, why not find a way to penalize <em>yourself</em> $100 even if your insurer won&#8217;t? Might lead to some healthier habits.</p>
<p><strong>Donna Freedman from Surviving And Thriving presents <a href="http://www.donnafreedman.com/2010/06/05/got-an-honest-face-you-have-a-bright-future-in-sneak-thievery/" onclick="pageTracker._trackPageview('/outgoing/www.donnafreedman.com/2010/06/05/got-an-honest-face-you-have-a-bright-future-in-sneak-thievery/?referer=');">Got an honest face? You have a bright future in sneak-thievery</a>.</strong> Nice reminder of how being trusting with your stuff can result in losing said stuff.</p>
<p><strong>Nathan from ComplexSearch presents <a href="http://www.complexsearch.com/blog/how-to-financially-survive-a-divorce/" onclick="pageTracker._trackPageview('/outgoing/www.complexsearch.com/blog/how-to-financially-survive-a-divorce/?referer=');">How to Financially Survive a Divorce</a>.</strong> Hope I never have to think about this, but nice set of tips. I wish it linked to more divorce resources. Assuming you&#8217;re not a lawyer, I&#8217;m sure you were reading some good literature from which you got some of those tips!</p>
<p><strong>pkamp3 from Don&#8217;t Quit Your Day Job&#8230; presents <a href="http://dqydj.net/ed-uflation/" onclick="pageTracker._trackPageview('/outgoing/dqydj.net/ed-uflation/?referer=');">Ed-uflation</a>.</strong> The cost of college is rising really fast. There&#8217;s room for a good post as to what we can do about it.</p>
<p><strong>Jeff Rose from Good Financial Cents presents <a href="http://www.goodfinancialcents.com/what-is-a-term-life-insurance-policy/" onclick="pageTracker._trackPageview('/outgoing/www.goodfinancialcents.com/what-is-a-term-life-insurance-policy/?referer=');">What is a Term Life Insurance Policy?</a>.</strong> Well written primer on term life policies and how they work.</p>
<p><strong>My Dollar Plan from My Dollar Plan presents <a href="http://www.mydollarplan.com/average-funeral-cost/" onclick="pageTracker._trackPageview('/outgoing/www.mydollarplan.com/average-funeral-cost/?referer=');">How Much Does a Funeral Cost?</a>.</strong> A lot. From my experience funeral planning, it seemed like it was a lot like planning a wedding, except everyone is sad and miserable. Bad recipe for making financial decisions.</p>
<p><strong>Andy from Saving to Invest presents <a href="http://www.savingtoinvest.com/2010/06/making-money-from-the-bp-oil-spill-ambulance-chasing-lawyers-adwords-advertising-and-t-shirts.html" onclick="pageTracker._trackPageview('/outgoing/www.savingtoinvest.com/2010/06/making-money-from-the-bp-oil-spill-ambulance-chasing-lawyers-adwords-advertising-and-t-shirts.html?referer=');">Making Money From the BP Oil Spill – Ambulance Chasing Lawyers, Adwords Advertising and T-Shirts</a>.</strong> How people are making money from the BP oil spill. Is it bad that I read this as a &#8220;Creative ways to make money&#8221; story rather than an outrage story?</p>
<p><strong>Helen from Science and Money presents <a href="http://www.scienceandmoney.com/2010/06/13/the-persistance-of-memory/" onclick="pageTracker._trackPageview('/outgoing/www.scienceandmoney.com/2010/06/13/the-persistance-of-memory/?referer=');">The Persistance of Memory</a>.</strong> [sic] When I read stories like this, I wonder why we even bother trying to protect our id information. There are way too many holes for thieves to exploit.</p>
<p><strong>Neal Frankle from Wealth Pilgrim presents <a href="http://wealthpilgrim.com/smart-retirement-income-planning/" onclick="pageTracker._trackPageview('/outgoing/wealthpilgrim.com/smart-retirement-income-planning/?referer=');">Smart Retirement Income Planning When the Market is Terrible</a>.</strong> This makes some good points about the need to make adjustments to your retirement plan in the face of some crummy investment years. I totally disagree with the point about immediate annuities and with the linked-to article about why they&#8217;re bad. You&#8217;re setting up a straw man by making your example live for only 15 extra years. In support of annuities, I could easily say, &#8220;What if he lived for 30 years?&#8221; But anyway, I agree that you might as well hedge the possibilities by putting part in an immediate annuity and keeping part in regular investments. Immediate annuities are beneficial if for no other reason than that studies show people with annuities are happier, and people who rely on volatile investments for income worry more. Even if you end up on the unlucky end of an annuity bet, to me, the price of calm at the end of my life would be worth it. Anyway, thought provoking nonetheless.</p>
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		<title>Help me serve you better!</title>
		<link>http://www.popeconomics.com/2010/04/19/help-me-serve-you-better/</link>
		<comments>http://www.popeconomics.com/2010/04/19/help-me-serve-you-better/#comments</comments>
		<pubDate>Mon, 19 Apr 2010 12:00:02 +0000</pubDate>
		<dc:creator>Pop</dc:creator>
				<category><![CDATA[Administration]]></category>
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		<description><![CDATA[Fill out the survey for a chance to win a $10 Amazon gift card. That&#8217;s the gist of it. Pop Economics has reached the point that it really needs guidance from you on where it should go, what it should focus on, and how it can better meet your financial needs. How can do you [...]]]></description>
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<p><span style="font-size:20px;"><strong>Fill out the survey for a chance to win a $10 Amazon gift card.</strong></span></p>
<p>That&#8217;s the gist of it. Pop Economics has reached the point that it really needs guidance from you on where it should go, what it should focus on, and how it can better meet your financial needs. </p>
<p>How can do you that? Simply by taking this <a href="http://www.popeconomics.com/thanks-for-taking-the-survey/">five-minute survey</a>. As a bonus, if you fill it out by the end of next Monday (4/26) and leave your e-mail address, you&#8217;ll be entered to win one of two $10 Amazon gift cards. All it takes is a tiny bit of time to help me understand your needs. Thanks in advance!</p>
<p><span style="font-size:15px;"><a href="http://www.popeconomics.com/thanks-for-taking-the-survey/">The survey</a></span></p>
<p><span style="font-size:20px;"><strong>Where Pop Economics is now</strong></span></p>
<p>This is still a young blog. Heck, Pop&#8217;s first post appeared with the New Year. I don&#8217;t yet publish my blog stats or show one of those Feedburner count doohickies in the sidebar. So as far as you know, it&#8217;s just been me and you talking. </p>
<p>For a while, that was true. But I&#8217;m pleased to say the growth of PopEc has <em>far</em> exceeded my expectations. I owe that to you and to the way-too-generous personal finance community that welcomed me and sent you here. More on that later, but here&#8217;s a little window into who&#8217;s with you.</p>
<p><span style="font-size:13px;"><strong>Subscribers: 714<br />
Unique visitors (all-time): 9,936<br />
Page views: 27,453</strong></span></p>
<p>It&#8217;s hard to overstate how grateful I am for the support Pop Economics has received. In fact, I owe most of my referrals to just a few personal finance kingpins&#8212;J.D. of <a href="http://www.getrichslowly.org" target="none" onclick="pageTracker._trackPageview('/outgoing/www.getrichslowly.org?referer=');">Get Rich Slowly</a>, Trent of <a href="http://www.thesimpledollar.com" target="none" onclick="pageTracker._trackPageview('/outgoing/www.thesimpledollar.com?referer=');">The Simple Dollar</a>, and Flexo of <a href="http://www.consumerismcommentary.com" target="none" onclick="pageTracker._trackPageview('/outgoing/www.consumerismcommentary.com?referer=');">Consumerism Commentary</a>, I&#8217;m looking at you. The <a href="http://www.carnivalofpersonalfinance.com" target="none" onclick="pageTracker._trackPageview('/outgoing/www.carnivalofpersonalfinance.com?referer=');">Carnival of Personal Finance</a>, which I&#8217;m hosting in June, also really helped PopEc get off the ground.</p>
<p>I&#8217;m happy with where we are, but I want to take Pop Economics to the next level. And for that, I need your help. Fill out <a href="http://www.popeconomics.com/thanks-for-taking-the-survey/">the survey</a> (hey, even if you hate this place, it&#8217;s a chance to win a gift card). And apart from that, you can use the <a href="http://www.popeconomics.com/contact/">contact form</a> to let me know what you&#8217;d like to see.</p>
<p>Anyway, back to our regular programming later this week. And thanks so much for being here.</p>
<p>- Pop</p>
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		<title>Welcome to Pop Economics</title>
		<link>http://www.popeconomics.com/2010/01/01/welcome-to-pop-economics/</link>
		<comments>http://www.popeconomics.com/2010/01/01/welcome-to-pop-economics/#comments</comments>
		<pubDate>Fri, 01 Jan 2010 06:00:25 +0000</pubDate>
		<dc:creator>Pop</dc:creator>
				<category><![CDATA[Administration]]></category>
		<category><![CDATA[economics]]></category>
		<category><![CDATA[pop art]]></category>
		<category><![CDATA[welcome]]></category>

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		<description><![CDATA[Now we&#8217;re all underwater. The year 2009 was chock full of economic events that you probably didn&#8217;t care for. Right now, on NBC&#8217;s New Year&#8217;s broadcast, Carson Daly is telling me that there&#8217;s reason for optimism for 2010, with the stock market turning around and all. I don&#8217;t know about you, but I&#8217;m not one [...]]]></description>
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<p><span style="font-size: 20px;"><strong>Now we&#8217;re all underwater.</strong></span></p>
<p>The year 2009 was chock full of economic events that you probably didn&#8217;t care for. Right now, on NBC&#8217;s New Year&#8217;s broadcast, Carson Daly is telling me that there&#8217;s reason for optimism for 2010, with the stock market turning around and all. I don&#8217;t know about you, but I&#8217;m not one for getting stock advice from Carson Daly. (Coming soon: Total Request Live: Bailout Edition! Let&#8217;s vote for the companies that live and die!)</p>
<p>But in all seriousness, you&#8217;ve probably had a hell of a time trying to understand why a bunch of homes going down in value could throw our entire financial system into the briar patch. And unfortunately, the feds have proven to be a lot like <a href="http://en.wikipedia.org/wiki/File:BrerFoxBear.jpg" onclick="pageTracker._trackPageview('/outgoing/en.wikipedia.org/wiki/File_BrerFoxBear.jpg?referer=');">Br&#8217;er Bear</a>, bumbling around to find the next master plan or contraption that can get us out of this mess. It&#8217;s hard to divine how the numerous and drastic changes taking place all around you are helping or hurting your wealth. Pop Economics is your navigator.</p>
<p>Oh yeah, and we&#8217;ve got some pretty cool art too. All of this stuff, unless noted otherwise, was created for Pop Economics. You&#8217;ll see lots of images inspired by pop artists such as Roy Lichtenstein and Andy Warhol, like the one above, which was inspired by <a href="http://www.moma.org/collection/browse_results.php?criteria=O%3AAD%3AE%3A3542&#038;page_number=3&#038;template_id=1&#038;sort_order=1" onclick="pageTracker._trackPageview('/outgoing/www.moma.org/collection/browse_results.php?criteria=O_3AAD_3AE_3A3542_038_page_number=3_038_template_id=1_038_sort_order=1&amp;referer=');">this</a>. The gallery will grow as the rest of the site grows, and if you&#8217;re interested, you can <a href="http://www.cafepress.com/popeconomics" onclick="pageTracker._trackPageview('/outgoing/www.cafepress.com/popeconomics?referer=');">purchase merchandise </a>with your favorite images on them.</p>
<p>So I hope you like what you see and come back soon. We&#8217;ll get things rolling on Monday with a post on the death tax and where it&#8217;s going in 2010.</p>
<p>Oh, and you can call me Pop.</p>
<p>- Pop</p>
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