Peak Personal Finance is pleased to welcome you to Volume 11 of the Personal Finance News Carnival.  We hope you enjoy the personal finance articles below as much as we did.

Credit and Debt

oneadvice presents 3 Key Debt Management Benefits posted at One Advice, saying, “Frugal living sometimes means having to deal with your debts and repay them. Understand the key debt management benefits and how they can help you take control of your money…”

SpendOnLife.com presents What Can a Credit Counselor Really Do? posted at SpendOnLife, saying, “A guide on how credit counselors can help you with your finances.”

Kevin Poulis presents GetRichSlowly.org – Personal Finance That Makes Cents posted at SiteTally.com.

Credit Shout presents Best Cash Back Credit Cards posted at CreditShout.

Chris presents Mortgages: Fixed or Flexible Interest? posted at Home I Own.

Suzane Smith presents 13 Most Common Sneaky Charges on Your Credit Card Bills (and How to Spot Them) posted at Online Criminal Justice Degrees.

Darwin presents USDA Home Loan Program – The 0% Down Bonanza You’ve Never Heard About posted at Darwin’s Finance, saying, “Get this – the USDA Home Loan Program – The 0% Down Bonanza You’ve Never Heard About…and the government’s the one sponsoring it! You’d be surprised, you may actually qualify.”

Braudis Lee Pegram presents The Federal Reserve Abolished And Currency Issued Only By The Government posted at The koH Resources Blog.

Education

Finavigation presents The Right Mindset for Financial Success posted at Finavigation, saying, “For many people, the main thing holding them back from achieving the things they want in life is the way they think. People who are able to build wealth and accomplish the goals they set for themselves continuously think about the world differently than people who are complacent and find themselves stagnant instead of accelerating toward the life they want.”

BudgetPulse presents Best Way to Teach Kids about Money posted at BudgetPulse Blog | Personal Finance Tips and News, saying, “Education about money should start when kids are young. While you might want to wait to teach him/her to drive, financial education should start when your child can speak and count. Below are some tips on how to teach your kids about money.”

Joe Plemon presents 6 Steps on How to Prosper by Celebrating Your Marital Differences posted at Personal Finance By The Book, saying, “Married couples are originally attracted by their differences. If they can learn to celebrate those differences, their marriage and their finances will prosper.”

Tom @ Canadian Finance Blog presents Claiming Business Income And Expenses – Canadian Finance Blog posted at The Canadian Finance Blog, saying, “All business income and expenses are claimed on a T2125 form. You enter your income into “Part 1 – Business Income”. Since you just enter one number for the entire year, you should be keeping track of your income received with QuickBooks or Microsoft Excel.”

Trevor Emdon presents Is There An Easy Way To Attract Money? posted at trevoremdon.co.uk, saying, “The easy way to attract money begins in your mind…!”

Investing

David Carlson presents Bank Stress Tests posted at Dual Income No Kids, saying, “An article about the recent bank stress tests.”

Intelligent Speculator presents New trade: Long Baidu(BIDU)/Short Amazon(AMZN) posted at Intelligent Speculator, saying, “I’m already back being a Baidu believer (why shouldn’t I, it has helped me a lot in the yearly stock competition) in a new trade that should be very interesting.”

James Carter-Truman presents How To Start Investing In United States Gold Coins posted at Buy Gold Secrets.

Real Estate

Jacqulyn Richey presents First Time Home Buyer Tax Credit Extended posted at Las Vegas Real Estate News, saying, “Here is a breakdown of the new guidelines for the extension. Even current home owners may qualify.”

Joe Manausa, MBA presents Home Buyer Tax Credit Expanded By Congress posted at Tallahassee Real Estate Blog, saying, “Congress has extended and expanded the homebuyer tax credit. The modifications will become effective when President Obama signs the bill, which could occur as early as November 6, 2009.”

Saving

Nate Kragness presents My Free Cash | 10 Easy Ways to Save Money in Today’s Economy posted at My Free Cash | Your Guide to Money Management, saying, “With the current state of the economy, saving money can be as important to your portfolio as making prudent investments. This article highlights ten easy ways to save money and minimize your expenses.”

Linda Jones presents 100 Money Experts You Should Follow and Learn From on Twitter posted at AccreditedOnlineColleges.org.

Case Ernsting presents Memberships Can Save Your Business Money posted at FinditLocal411 Blog, saying, “As the economic upturn continues to find obstacles, small businesses and individuals are looking to save money at every turn. We recommend looking into local memberships and networks. These memberships can institute a number of great discounts and coupons at local vendors in addition to providing great networking opportunities.”

BWL presents 10 restaurants kids can eat for free posted at Christian Personal Finance, saying, “A great way to save money – don’t pay for meals for your kids!”

Patrick @ Cash Money Life presents Save Money on Auto Insurance Rates posted at Cash Money Life, saying, “Tips on how to save money on your auto insurance rates, including multi car discounts, multi-line policies, defensive driving courses, and more.”

MoneyNing presents Take Some Time to Make More Money posted at Money Ning, saying, “While savings is important, taking some time to make money is still critical.”

That concludes this edition of the carnival.   Submit your blog’s personal finance articles to the next edition of the Personal Finance News carnival using our carnival submission form.  Past posts and future hosts can be found on our blog carnival index page.

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