Carnival of Personal Finance #217: The French Money Quotes Edition

Welcome to the 217th Edition of the Carnival of Personal Finance.

My name is Kelly, and I’ll be your host for this edition. This week’s theme is French quotes about money, because, although I’m American, I have lived in France since January 2000. I’ve divided the carnival into categories, and chosen my favorite submission (or two) when appropriate for each category.

Money Management

Editor’s pick: J. Money from Budgets are Sexy presents Be Aware of Reference Groups., and says, “Our peers influence our beliefs and behaviors whether we consciously realize it or not – so keep aware my friends!”

Editor’s pick: Michael B. Rubin from Beyond Paycheck to Paycheck presents 12 Crazy Myths of Personal Finance, and says, “Just one of the top 12 personal finance myths debunked: “I’d be able to save more money if I earned more money.””

Wojciech Kulicki from Fiscal Fizzle presents Is Cash Dead? 10 Places You’ll Still Need It, and says, “Summary: There are still situations where plastic won’t get you very far. Before you dump cash for good and take on a fully-plasticized life, make note of these 10 cases.”

Miss M from M is for Money presents Early Retirement – My Milestones.

Banker Saver from Banker, Saver presents Living With Low Interest Rates and Poor Investment Performance, and says, “How is the low interest savings environment treating you?”

The Smarter Wallet from The Smarter Wallet presents Best High Yield Savings Accounts.

Kyle from Suburban Dollar presents Wealthy Blogger List, and says, “August updates of Net Worth for your favorite personal finance bloggers”

Jeff Rose from Good Financial Cents presents What’s Your Quizzle Score?, and says, “If you like to take quizzes to help you learn more about yourself, you’re in luck. There’s a web site called Quizzle that you can sign up for free, answer a few questions, and get a comprehensive report about your finances.”

Finance

Il faut compter l’argent deux fois et l’or trois.
You must count money twice, gold three times.
Gabriel Meurier 1568

Editor’s pick: Debt Ninja from Punch Debt In The Face presents Mega Mad Lib Recap, and says, “This is a fun little article with a ton of PF blogs contributions. ”

Henry Stern, LUTCF, CBC from InsureBlog presents Medical Tourism Coverage: Why in the World? , and says, “Summary: Looking to save money on health care? InsureBlog’s Henry Stern interviews the President of a company specializing in medical tourism.”

American Banking News from American Banking News presents Judge Forces SEC, Bank of America to Disclose Details of Agreement.

pfstock from PFStock presents Net Worth Update, and says, “An update on comparing one’s net worth with others based on age or income.”

Investing

L’argent est une troisième main.
Money is a third hand.
P. J. Toulet

Editor’s pick: Peter from Bible Money Matters presents Introduction To Peer-To-Peer Lending: Signing Up To Use Lending Club, and says, “Lending club offers a good way to get decent returns even in a down market. This week I signed up and invested at Lending Club for the first time. Here’s how you can too!”

Editor’s pick: Mr. from Not the Jet Set presents To Convert or Not To Convert: Roth IRAs, and says, “Our investing adviser suggested that we convert our traditional IRAs to Roth IRAs. This was something that I hadn’t previously considered, but then I guess that’s why you have investment advisers. But how do you actually do this and why would you want to? We explain.”

Bob from Christian Finances presents 5 reasons investing in mutual funds might be a bad idea, and says, “There are some advantages to investing in mutual funds, but these are some of the things to watch out for before buying.”

D4L from Dividends Value presents Five Dividend Stocks With Different Reasons Not To Buy, and says, “Sometimes good companies aren’t good buys, and this is not always a bad thing. Often it is a result of the market over reacting in a positive direction. The stocks simply become overvalued, but their underlying fundamentals remain excellent. ”

The Dividend Guy from The Dividend Guy presents Investing and the Government, and says, “Your government’s policies can impact your investment strategy. I look at the difference between Norway and Canada.”

Kyle from Amateur Asset Allocator presents Never Ever Invest Through A Bank, and says, “The “investment counselors” at your local bank are looking out for their own best interests, not yours. They will inevitably try to push expensive investment products not appropriate for your situation.”

ElizabethG (Modern Gal) from Modern Gal presents Investing During Volatile Times.

Investing Toolkit from Investing Toolkit presents Facing Investment Risks: Watch Your Money!, and says, “We must all be aware of investment risks before we commit our money to the markets.”

Helen from Affine Financial Services presents Benchmarks behaving badly, and says, “The Google and Yahoo graphs of mutual fund performance are misleading. Caveat emptor.”

Budgeting

Editor’s pick: Aryn from Sound Money Matters presents Save Money on Your Wedding with a Wedding Budget.

Editor’s pick: Adam from Rabbit Funds presents Stop Lying, 5 Ways to Stop Overspending, and says, “You’re a liar. Don’t worry though, so am I. In fact, most people are liars. Satisfying some psychological need, we tell ourselves “stories” or lies about why a certain product or service will fulfill some deep rooted “need”. This post outlines five ways to overcome overspending habits or tendencies.”

Paul Williams from Provident Planning presents Budgeting Is Not Complicated, and says, “Think budgeting is complicated? Find out why it doesn’t have to be if you just know the basics.”

Saving

On fait tout avec de l’argent, excepté les hommes.
We can make everything with money, except man.
Auguste Detœuf

Editor’s pick: Silicon Valley Blogger from The Digerati Life presents Savings Account Rates: Where Are The High Returns?.

Kris Bickell from Debt reduction tips presents The Actual Cost Of Raising Kids.

Curt from PennyJobs.com presents Recession is a Great Opportunity to Establish Long Term Bartering Agreements.

CJ from The Coin Jar presents Ally Bank: The saver’s “friend”.

Madison from My Dollar Plan presents Bank of America $25 Bonus.

Frugality

Editor’s pick: Matt Jabs from Debt Free Adventure presents Grocery Hacks – How To Save Money on Groceries, and says, “This is the story of how we reduced our grocery budget from $400/month down to less than $250/month! The other night we sat down – together – and compiled this list of 20 ways we have successfully reduced our grocery bill over the last 7 months. Enjoy!”

Mr. Cheap from Four Pillars presents Extreme Cheap: Daniel Suelo, and says, “A look at Daniel Suelo’s life rejecting money and why it’s a bit hipocritical.”

Kate Kashman from The Paycheck Chronicles presents Fast Food from the Grocery Store, and says, “Eat better and possibly save money by dashing into a real grocery store instead of a fast food place.”

Baker from Man Vs. Debt presents Frugality Vs. “Big Wins”: Why You Shouldn’t Care About Either.

Paul Moyer from SavingFreak.com presents Saving Money on College Textbooks Pt. 1, and says, “With college classes starting in a week or two I wanted to let all the college kids and parents out there know how I ended up paying hundreds of dollars less than my classmates when I was in college.”

PT Money from Prime Time Money presents Your Next Road Trip: Is it Better to Rent a Car or Take Your Own?.

Debt

Qui n’a point d’argent n’a point d’ami.
He who hardly has any money, hardly has any friends.

Editor’s pick: Adam Baker from Wisebread.com presents Acknowledge You Have a Problem with Debt.

My Journey from My Journey to Millions presents When Applying for a Mortgage don’t Forget your Debt to Income Ratio, and says, “Most people just worry about their credit score, but in the end they have to worry about their DTI as well”

Credit

Qui prête de l’argent sans garantie perd l’ami et l’argent.
He who loans money without a guarantee, loses both the money and the friend.

Editor’s pick: Jason Unger from Automatic Finances presents Leasing a Car? Know the Downsides.

Mr Credit Card from Ask Mr Credit Card presents Why Your Credit Score Is More Important Than You Think.

Reviews

DR from Doughroller presents Freecreditreport.com vesus myFICO.com: Do you know the difference?, and says, “This post is a review of freecreditreport.com versus myfico.com.”

David from Credit Card Offers IQ presents Balance Transfer for Life Offers, and says, “Review of balance transfer for life offers”

Single Guy Money from Single Guy Money presents MyPoints – A Rewards Program That Actually Works.

Real Estate

On ne manie pas le beurre sans se graisser les doigts.
You can’t handle butter without getting your fingers greasy.
P.-J. Le Roux

Editor’s pick: vh from Funny about Money presents Real Estate as Investment.

Editor’s pick: FMF from Free Money Finance presents Should You Have a Mortgage When You Retire?, and says, “Which comes first, no mortgage or retirement?”

Matthew Paulson from Fine Tuned Finances presents The Danger of Reverse Mortgages.

The Happy Rock from The Happy Rock presents New Jersey 2008 Homestead Rebate Due Date And Other Information.

Career

Il y a plus de peine à garder l’argent qu’à l’acquérir.
It’s better to keep your money than to earn it.
Montaigne

Editor’s pick: Darwin from Darwin’s Finance presents Are you Efficient? Save Time by Applying Lean Thinking to Everyday Life, and says, “This article compares new efficiency exercises corporations are employing with how you can save hours per week of your own personal time.”

Jim from Free By 50 presents You Probably Won’t get Paid $100,000 to do that.

Matt B from Financial Methods presents The Similarities and Differences between Losing Your Job and Getting Dumped, and says, “Both losing your job and getting dumped suck. There are similarities and differences between the two…check them out.”

Joe Plemon from Personal Finance By The Book presents Is a College Degree Necessary for Success?, and says, “Quick: What do Bill Gates, Richard Branson and Michael Dell have in common? All billionaires? Right. What else? Would you believe that none of them graduated from college? “

Economy

Tom @ Canadian Finance Blog from The Canadian Finance Blog presents Is The Current Market A Return To Normal?, and says, “I recently talked to an Economics professor to discuss his research on business cycles and how it applies to our current economic situation.”

Cameron Daniels from Don’t Quit Your Day Job… presents Comparing Forms of Entitlement Programs, and says, “In this article I take a look at some types of entitlement programs- Living Wages, Direct Payments, and Negative Income Taxes. I show that negative income taxes like the Earned Income Tax Credit affect the most people, with the least effect on inflation and unemployment.”

Other

Les succès produisent les succès, comme l’argent produit l’argent.
Success makes success, like money makes money.
Chamfort

Jeremy Simon from Taking Charge presents Iceland trip preparation provides education on travel, money.

Super Saver from My Wealth Builder presents Was Early Retirement a Good (or Bad) Idea?.

I hope you have enjoyed this edition of the Carnival of Personal Finance.

Next week, the Carnival of Personal Finance will be hosted at Budgets Are Sexy. Get your submissions in before Sunday, 5pm EST to have them included!