Welcome to the April 17, 2009 edition of the Personal Finance News Carnival.  Once again, we have a great selection of personal finance articles that were submitted from many different personal finance blogs discussing the topics of: Credit and Debt, Education, Investing, Real Estate, and Saving.  We hope you enjoy the Carnival, and please share with others!

Credit and Debt

The Shark Investor presents I’ve Never Used a Consumer Credit In My Life posted at The Shark Investor.

keevisr presents Loan Info Central: Online Personal Loan posted at Loan Info Central, saying, “If you find yourself in some type of financial struggle from an unexpected expense online personal loans can be just what you need. There is no longer any need to travel from lender to lender in the physical market place to find the right loan for you. Online personal loans can help you get the money you need now fast and securely.”

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

Jim DeSantis presents You Are A Banker And A U.S. Automaker posted at On Line Tribune | Front Page Blog, saying, “In an old Hollywood movie, actor Burgess Meredith’s
character said he invented – “conspicuous consumption”.
This is what we have become and this is at the heart
of our economic disease – conspicuous consumption
without regard for the consqquences.”

thomas presents Credit Card Deliquency on the Rise posted at Paying For Retirement, saying, “credit card deliquency on the rise”

The Dough Roller presents 10 Lies that Got You (and Keep You) in Credit Card Debt posted at The Dough Roller, saying, “Here are 10 ways we convince ourselves that credit card debt is ok.”

PFCreditCards presents Why I Still Get My Bills and Credit Card Statements in Paper posted at PF Credit Cards, saying, “I am a computer geek who love new technologies but I still love my paper statements.”

PFCreditCards presents Changing Your Discover Card’s Payment Due Date posted at PF Credit Cards, saying, “Change the due date can be a powerful and easy way to organize your finances”

David presents Payday Loan Flipping?Are Interest Rate Caps the Answer? posted at Payday Loans Review, saying, “Many states have enacted interest rate caps on payday loans, but this may not be the best answer to chronic borrowing.”

David presents Capital One No Hassle Miles Rewards Credit Card Review posted at Credit Card Offers IQ, saying, “Review of one of the top travel reward credit cards.”

Woman Divorce Support presents Divorce Advice for Women: Help with Support and Recovery at Woman Divorce Support posted at Divorce Advice, saying, “Help for divorcees.”

Jim DeSantis presents Free eBook – Credit Rescue! posted at Emotions and Credit at On Line Tribune, saying, “How emotions impact credit is a subject that few people think about but more and more therapists are talking about. As a Pastoral Counselor I have long known that there is a powerful link between our emotions and our money. We may think that money is all about our rational selves but, in fact, our emotions very much determine our financial decisions.”

Mike presents This Great Depression Will Be Known As The Great Stagflation posted at Great Depression Version 2: Bear Market and Economic Depression, saying, “The current economic crisis is just beginning. It will wind up being known as the Great Stagflation.”

Credit Card Addict presents Reduced Credit Card Limits Hurting Credit Scores posted at CreditAddict.

Money Tipper presents How to Opt Out of Unsolicited Credit Card Offers posted at Money Tipper.

The Dough Roller presents Debt Cures by Kevin Trudeau–Do his “secrets” really work? posted at The Dough Roller, saying, “So does the book live up to his sales pitch? No, and it’s not even close.”

PFCreditCards presents Credit Cards are Evil Just as Knives are Sharp posted at PF Credit Cards, saying, “If you are going to complain that credit cards are sharp, you might as well complain that knives are sharp as well”

Raj Patel presents Leave the Card, Take the Cannoli posted at DebtGoal.

Education

keevisr presents Loan Info Central: Personal Loan Tips posted at Loan Info Central, saying, “People need money for variety of purposes. They can find personal loans as per their requirements and circumstances.”

Len Penzo presents Evaluate Your Options Before Selling Gold Jewelry posted at Len Penzo . Com, saying, “When it comes to converting gold to cash you have multiple alternatives from which to choose. Which one is the best option? This post compares the pros and cons for each one…”

Steve Patterson presents ATM Skimming Leads to 1 Billion in Losses for Consumers posted at ISMagazine.com, saying, “Great story about ATM safety and something to present to your bank to make sure their ATMs are safe.”

Michael presents Save Money with Discounts on Your Auto Insurance Policy posted at Vital Motion, saying, “No one likes to pay auto insurance premiums, but you can cut down the cost of your policy with a number of different discounts.”

Jay Green presents Remote Computer Maintenance: RCM posted at Remote Computer Maintenance, saying, “Save Money”

Investing

David presents The Present and Future Value of Money posted at Personal Finance Ology, saying, “Learn the difference between the present value and future value of your money as I explain the adage “A dollar today is worth more than a dollar tomorrow.””

Steve Patterson presents Don?t Take Your Losses! posted at 2009 Taxes.

sherin presents Two most simple yet powerful investment steps posted at Investment Internals, saying, “2 most simple but powerful investing steps”

MoneyNing presents Zecco vs TradeKing – Online Stock Trading Comparison posted at Money Ning, saying, “TradeKing and Zecco commands the market of cheap trades but who is actually better? Check out this comparison guide before you decide which one is right for you.”

Investing School presents What are Treasury Securities posted at Investing School, saying, “Treasury Securities are the safest investment of them all but is it really the right investment for you? First, let’s find out what they are.”

Insurance Toolbox presents A Comparison of No-Risk Investment Options posted at Fine-Tuned Finances.

Investing School presents Zecco Review posted at Investing School, saying, “Zecco may have changed their free trades policy but it’s still one of most popular stock brokers.”

Michael presents Negotiating with Car Salespeople ?How to Get the Best Deal on Your Car posted at Vital Motion, saying, “The thought of negotiating with car salespeople is enough to make some people dread buying a new car.”

Farid presents Lip Treatment, Anti-Aging skin Care Products, Colorscience posted at Gold Investing, saying, “Caring For Your Mouth with A Recommended Lip TreatmentOur lips are a telltale feature of our age, health, and life. For such a prominent facial feature, our lips are often the most neglected part of our face, even though they need the most care. The skin on our lips only contain three to five cellular layers, which makes it much thinner than facial skin”

Investing School presents Realized and Unrealized Gains and Losses posted at Investing School, saying, “It’s a simple subject but it’s often confused. Unrealized and realized gains explained.”

ifvat presents Junk Silver Coins – How to Purchase Silver Bullion Under Spot | ifvat.com posted at ifvat, saying, “I’m going to tell you about a certain type of coins that you can purchase under the spot price of silver.”

etrades presents Why Buy Silver Bullion? posted at eTrades, saying, “Buying Silver Bullion is becoming hugely popular. At present, silver is relatively cheap if you compare it to the cost of gold. With it’s lower price, the vast majority of people can afford to buy greater quantities of it. If you compare it to gold, your average person may be able to afford 1 ounce whereas the same person purchasing silver could buy many more times that amount.”

nickel presents Zecco: Still the Best Online Broker? posted at fivecentnickel.com.

cody butler presents Money Market Investing, What Is It And How Does It Work posted at Dream Life Coaching Blog. Ask your questions., saying, “A basic guide to money market accounts.”

ifvat presents The Beginner’s Guide to Stock Market Investing Risk Tolerance posted at ifvat, saying, “Knowing your risk tolerance will help you establish an investment style and help you feel confident when you and your broker make investment decisions. Even though there are multiple investment types, there are really only three specific investment styles – and those styles are directly related to your personal risk tolerance. Those styles are commonly known as moderate, conservative and aggressive.”

etrades presents Basic Guidelines On Investing In Penny Stock That Matters posted at eTrades, saying, “Penny stock tips – Learn, learn, and learn. Your assumption must also include the risk of investment loss whether in part or in whole. Research and analyze the trends. Know the best stocks available. Knowing all these things may still not be enough. The stock market is a very fast paced business environment. You must be extremely alert if possible if you decide on investing in penny stock trading. Discover how successful people go about penny stock investing. Study more basic guidelines on investing in penny stocks!”

Investing School presents Beginning with Options Trading posted at Investing School, saying, “Options can be an amazingly easy way to protect yourself and reduce risk. However, it can also be very dangerous if misused.”

etrades presents Option Trading Gives You Better Returns posted at eTrades, saying, “In option trading you pay a premium to give you the right to buy or sell some shares in the future. You can then buy or sell those shares within the time specified at the price decided. You are obliged to make the purchase or sale within the specified time or risk the forfeiture of the premium paid.”

ifvat presents Investing in the Stock Market posted at ifvat, saying, “If you want to start investing in the stock market, first spend quite a bit of time learning about investing and learning about the stock market. Don’t invest a dime if you don’t know what you’re doing. You could lose it all. Are you interested in learning more about investing your cash in the stock market? You should first be asking how does the stock market work to earn extra money and then keep working.”

The Dough Roller presents 10 Tips to Declutter Your Finances posted at The Dough Roller, saying, “In his new book, Leo Babauta, describes “the fine art of limiting yourself to the essential . . . in business and in life.””

Frank Vertin presents Just Buy Index Funds Directly posted at NO LOAD INDEX FUND, saying, “Buying an S&P 500 index fund through an investment counselor can substantially increase your initial purchasing costs and and drive up your annual management expense fees. Unfortunately, the vast majority of individual investors buy mutual funds and ETFs through brokers and investment advisers. Rarely do financial advisors recommend that you buy index funds with low fees. This is because low cost, no load mutual funds do not pay them as well as loaded, high fee mutual funds.”

Larry Russell presents Most Individual Investors Are Poor Personal Portfolio Managers | Personal Investment Management posted at THE SKILLED INVESTOR Blog, saying, “Investors more easily understand investment costs that are directly measurable, such as fees deducted on investment statements. However, many investors ignore or are unaware of the opportunity costs of their sub-optimal investment behaviors. Opportunity costs are usually much more difficult to measure directly, but these investment costs can be even higher than more visible investment fees.”

etrades presents Day Trading Tips From The Pros – Time To Cash In! posted at eTrades, saying, “Becoming a day trader is becoming an increasingly hot means for the average person to earn money. You will find individuals who treat it as a full time occupation while others treat it as a means to earn some extra cash. With its outstanding earnings potential and the charge it gives you, it’s no surprise more people are diving into day trading opportunities.”

Walter W. Fouse presents 7 Ways to Pick the Best Noload Mutual Funds and ETFs posted at Best No Load Funds, saying, “The vast body of investment research studies show that there really are better approaches to buying and owning mutual funds and ETFs. You do not need to frantically chase fund performance. Performance chasing simply does not work.”

Richard M. Rothschild presents The Top 14 Low Cost Taxable United States Bond Mutual Funds (Low Minimum Deposit) posted at Bond Market Index Funds, saying, “The top 14 low cost taxable US fixed income funds with a $10,000 or lower initial deposit. Low investment management fees are very important with fixed income funds. Simply put, if you pay higher bond mutual fund fees, then these bond management expenses tend just to be a deadweight loss to you. When you pay more in bond mutual fund fees, you are just wasting your money.”

Stock Trading Brokers presents SEC Considers Proposal for Uptick Rule posted at Stock Trading Brokers, saying, “Bring back the uptick rule. There was actually no harm done when it was there. When it’s not broken, don’t fix it. Now that people have shed light on it, of course there are criticisms.”

Investing School presents Etrade vs Tradeking vs Zecco – Trading Commissions Comparison posted at Investing School, saying, “Have you written Etrade off just because the commissions are higher? Is Zecco or TradeKing better? This takes a look at these three stock brokers on a fees comparison.”

Real Estate

The Dough Roller presents ALERT: Refinance Your Mortgage Now! posted at The Dough Roller, saying, “If you are considering refinancing your mortgage, rates may be going to their lowest point now. Here’s why and how to refi!”

Rob presents How to Respond to Late-Paying or No-Paying Tenants posted at Two Wise Acres, saying, “How to deal with tenants who pay late or not at all.”

Saving

oshkhar tiglao presents Pool Enclosure Buying Tips posted at Pool Enclosures.

sherin presents 15 Financial planning mistakes posted at Investment Internals, saying, “15 serious financial planning mistakes”

Raj Patel presents Savings rate rises to 14-year high in January posted at DebtGoal.

MoneyNing presents The Latte Factor and Becoming a Millionaire posted at Money Ning, saying, “Stick to thinking about how much you can save, not necessarily how much you are spending.”

PFCreditCards presents Lower Your Monthly Subscriptions Cost by Calling posted at PF Credit Cards, saying, “It’s simple. Just call to lower your monthly bills.”

MoneyNing presents Inheriting Generations of Frugal Living posted at Money Ning, saying, “Think ahead and do something for your future generations. Start saving.”

Bank Savings Review presents Four Banks Give Back TARP Already posted at Bank Savings Review, saying, “We’ve got to hand it to the banks that’s already been able to hand back the TARP. Hopefully, only responsible banks will survive after this crisis so we promote responsibility.”

MoneyNing presents Everbank Review posted at Money Ning, saying, “EverBank is one of the best banks and it offers a very high rate with its money market account and even checking account. You should check it out.”

Raj Patel presents Cutting the Digital Services Bill posted at DebtGoal.

That concludes the April 17th edition of the Personal Finance News Carnival. Submit your blog article to the next edition of the Personal Finance News Carnival using our carnival submission form.

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