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Tue, 6th October, 2009 - Posted by Nash - 5 Comment

Carnival Of Everything About Personal Finance – 12th Edition

Posted by Nash

Welcome to the 12th Edition of Everything About Personal Finance!

In this carnival, just like the previous ones, you’ll see a wide variety of collection of fresh articles about Personal Finance in the topics of career, credit card, debt management programs, frugal living, property, make money online, insurance, investment, savings and others.

To the contributors of the articles – thanks for participating! Please feel free to join this Carnival again in the future. Can you do me a favor? Can you please link this article back to your blog, so that both our readers can benefit from this post? Thanks!

What is blog carnival? It is a collection of articles from other blogs on the related topic. It’s divided to smaller topics where you can zoom in to the ones that interest you. The articles are fresh, so it’s always useful to come back for more.

If you like this article, you can subscribe to get future articles to be sent directly to your email.

Career

Madeleine Begun Kane presents Just In Time For Labor Day, Some Job Interview Humor posted at Mad Kane’s Humor Blog.

nissim ziv presents How to Negotiate a Salary: Negotiation Tips, Questions & Expectations posted at Job Interview Guide, saying, “The article brings the best tips, tactics, questions and answers for your salary nagotiations.”

nissim ziv presents Resume Objective Ideas posted at Job Interview Guide, saying, “Many resume objectives and career summaries are missing the point. A properly written resume objective can pull the reader to your resume while a bad one can drive him or her out.”

FMF presents How to Make Up for Being Ugly posted at Free Money Finance, saying, “One way to make your career better: don’t be ugly.”

Credit Card / Debt Management Programs

Woman Tribune presents “Can My Credit Card Company Do That To Me?” posted at Woman Tribune, saying, “A list of current complaints from credit cardholders and comprehensive answers about several current credit card terms.”

OnlineCollege presents Online Colleges and Financial Aid - Top Accredited Online Colleges, Universities, and Courses posted at Universities and Colleges.

Braudis Pegram presents Are Some American Banks Un-American? posted at The koH Resources Blog.

Alex presents Is Buying a Rental Property Worth it? posted at MoneyStance - Money Making Opportunity Reviews, saying, “A getting out of debt Journal where Alex is paying down a half a million dollars in debt while simultaneously evicting tenants and battling the woes of a landlord.”

Colin Robertson presents Is Credit Card Interest Deductible? posted at The Truth About Credit Cards.com.

CreditCardAssist presents What Are The Responsibilities of a Co-Signer? posted at Credit Card Assist, saying, “Some risks and responsibilities to be aware of when co-signing for a credit card account or a loan.”

oneadvice presents Do I Need Debt Advice? posted at One Advice, saying, “Not sure if you need debt advice? Want to find out when the best time is to seek advice about your debts? Find out here…”

oneadvice presents Become Debt Free posted at Debt Free, saying, “Learn how to become debt free. Depending on your circumstances it could be easier than you think…”

Steve Faber presents - The Right Debt Management Solution – How It Can Help You Succeed Financially posted at DebtBlog, saying, “The ability to properly manage and use debt is one of the most vital skills you can possess, and one of the key determinants in your financial success.”

Credit Shout presents How often do credit scores change? posted at CreditShout.

Billeater presents How to Find a New Credit Card posted at Billeater.

Frugal Living

BWL presents Free land? posted at Christian Personal Finance, saying, “Believe it or not, Kansas is still giving away free land available to homesteaders…”

Joseph presents Cheap DVD Movies posted at How to save money

Investing

Patrick @ Cash Money Life presents Best Brokerages for Roth IRAs posted at Cash Money Life, saying, “Where should you open a Roth IRA? This article reviews some of the best mutual fund firms and discount brokerages for opening a Roth IRA.”

Mike Piper presents How to Rollover a 401k into an IRA posted at The Oblivious Investor, saying, “A step-by-step guide to rolling over a 401(k) account into an IRA. Also includes tips on pitfalls to avoid.”

Retirement Savior presents The Future of ETFs posted at Retirement Savior, saying, “Will the future of ETF’s be good or bad for investors? Times are changing, and the ETF “wild west” period is over.”

Sam presents Buy 500 Companies for $1,000 with a Stock Index Mutual Fund posted at Surfer Sam and Friends, saying, “Thanks for including my article. Here’s an excerpt… If you are a small investor who wants to meet your long-term investment goals, to minimize risk and to save the time and expense of researching stocks for yourself, an Index Fund is the ideal investment vehicle. Index Funds allow average people to participate intelligently in the stock market. If you have only $100 to invest, you can still buy shares in an Index Fund. People invest in Index Funds because they believe that stock markets are efficient and that stock-pickers on average will not do as well as the market. When you consider that other mutual funds, those with active managers, often do not perform as well as Index Funds, you can see why many small investors buy Index Funds. Here we answer your questions. What actually is a stock Index? What is an Index Fund? Is an Index Fund a good investment for you? How much does it cost to buy an Index Fund? How much will an Index Fund earn for you? How do you buy shares in an Index Fund? Which Index Fund should you buy? Finally, what are the tax considerations when you buy an Index Fund?”

Others

Bucksome presents Is Your Partner Financially Compatible? posted at Buck$omeboomer’s Financial Path to Retirement, saying, “A study that included over a thousand adults determined that even though people are more likely to select partners that with matching personality traits and looks they go for the opposite when it comes to finances. Of course the result of the opposite orientation is fighting. In my Financial Peace University class, Dave Ramsey mentions that money is the number one reason couples fight (and in some cases divorce). So what do you do once you fall in love with a financial opposite and marry?”

Property

Chris presents Buying a home? Learn how negative equity can become your worst nightmare. posted at Home I Own.

Jeff Rose presents How to Hire an Architect For Building Your Dream Home posted at Jeff Rose.

Retirement

Bill Spohnholtz presents 401K Rollovers (Gimme My Money Back) | Learn The Stock Market And How to Trade posted at Learn The Stock Market And How to Trade, saying, “You left the company for a reason, why let your money make your old company some money? There are better ways!”

That concludes this edition. Submit your blog article to the next edition of everything about personal finance using our carnival submission form. Past posts and future hosts can be found on our blog carnival index page.

Technorati tags: everything about personal finance, blog carnival.

Earlier Carnivals On Personal Finance:

Patrick @ Military Money presents COBRA Benefits Subsidy in the 2009 Economic Stimulus Recovery Act posted at Military Finance Network, saying, “The 2009 Economic Stimulus Plan includes additional COBRA and unemployment benefits.”

MoneyNing presents How to Get Out of a Rut and Out of a Slump posted at Money Ning, saying, “Ever in a rut? Here’s how to get out.”

nissim ziv presents Why Did You Leave Your Last Job? Interview question posted at Job Interview Guide, saying, “There are several answers to the eternal question, “Why did you leave your last job?” While the question can be asked in many ways, the answer should always be the same.”

FMF presents The Best Way to Make Your Resume Stand Out posted at Free Money Finance, saying, “Ideas on how to get your resume read.”

MoneyNing presents How to Break Bad Habits posted at Money Ning, saying, “How many bad habits would you like to break?”

Chris McClelland presents Tips to Surviving Business School or Undergraduate Life: Books, Textbooks, and Supplies posted at Lucrative Investing.

Credit Card / Debt Management Programs

David presents Capital One® Platinum Prestige Credit Card posted at Credit Card Offers IQ, saying, “A review of the Capital One Platinum Prestige credit card.”

Daniel Drew presents Unsecured Small Business Loan posted at My Business is doing well should I choose an SBA Loan?, saying, “”Lines of credit are generally paid off by opting for a permanent source of financing. In case of commercial property line of credit, the sale of the old property may help repay the line of credit”"

PT presents Credit Card Tips and The Best Student Credit Cards posted at Prime Time Money

David presents 10 Super Cool Credit Card Offers (You’ve Never Heard Of) posted at Credit Card Offers IQ, saying, “Ten super cool credit cards you have never heard of.”

The Dough Roller presents List of Low Interest Credit Cards posted at The Dough Roller, saying, “while credit card companies have a reputation of charging exorbitant interest rates, the truth is that many cards come with modest, single-digit APRs.”

oneadvice presents Debt Management Myths posted at One Advice, saying, “After being inspired by a guest post on Nil2Million.com, I thought it would be good to look at further debt management myths and see how truthful they are…”

Jenny presents Stop The Credit Card Madness posted at Stop Spending Money, saying, “If people remembered that buying an item on credit essentially meant paying an extra 20% more for the item, they would be less likely to spend.”

The Smarter Wallet presents Credit Monitoring Services To Check Your Credit Report posted at The Smarter Wallet

Joe E presents Loan Forgiveness Programs Reduce or Eliminate Student Loan Debt | Consolidating Student Loans Online posted at Consolidating Student Loans Online, saying, “Student loan debt is often times the second largest financial burden (behind a mortgage) that someone may tackle in their lifetime. So needless to say, it’s sometimes to tough to pay back tens of thousands of dollars of student debt - especially in a bad economy where jobs are scarce. There are federal programs available, however, that can help pay off some, or all, of your student loan debt through various loan forgiveness programs.”

Jermey Simon presents Icelandic travel paid for with credit card, kronur posted at blogs.creditcards.com.

Matthew Paulson presents Are Credit Unions Better than Banks for Consumers? posted at American Banking News.

Jim Eastman presents 7 Secrets the Credit Bureaus Don’t Want You to Know posted at Credit Matters and Credit Repair.

MatthewPaulson presents College Debt - Work Study a Unique Solution posted at Fine-Tuned Finances.

Billeater presents How To Avoid The Dangers Of Debt Consolidation Loans posted at Billeater.

Frugal Living

The Smarter Wallet presents YNAB (You Need A Budget) Review, Financial Budgeting Software posted at The Smarter Wallet, saying, “Review of a budgeting tool.”

Swiftkickinthe.com presents 7 Ways to Save a Little Money Now posted at Swiftkickinthe.com, saying, “I have been doing a little cost cutting on our wedding budget in the last couple of days. And I started thinking about ways to save a little money in our every day budget as well. So why not share the love and write a post on 7 ways to save a little extra money now.”

Patrick @ Military Money presents Money Management Tips for the New Recruits and Recent Graduates posted at Military Finance Network, saying, “Basic money management tips for people going out into the “real world” for the first time. This article applies to new military recruits and recent college graduates.”

Four Pillars presents Back To School Cell Phone Deals posted at Quest For Four Pillars, saying, “Comparison of the best cell phone deals for students heading back to school.”

Roshawn Watson presents Should You Buy A House Outright? posted at Watson Inc, saying, “Suppose you find yourself in the somewhat unique predicament of having the resources to purchase your house outright without a mortgage. Is it then financially-wise to make the purchase?”

Patrick @ Cash Money Life presents Pick the Low Hanging Fruit to Get your Finances in Order Quickly posted at Cash Money Life, saying, “These are some simple steps you can take to make big wins with your personal finances. Sometimes the small wins aer more important than the big wins!”

Steve Faber presents How to Find Affordable Engagement Rings posted at Propose To My Girlfriend, saying, “Getting engaged is expensive, and one of the most expensive parts of the entire proposition is the engagement ring. Inside are some strategies to help you get her the ring she deserves and save money doing it.”

Jason @ Redeeming Riches presents What a Cow, a Red Box and Hair Clippers Have in Common posted at Redeeming Riches, saying, “Find out what these three things ahve in common and how they can help you reach your goals!”

Wise_Bread presents Beyond Budgeting Pocketsmith Helps You Forecast posted at Wisebread.

Billeater presents Save Money on Movies and DVDs posted at Billeater.

Insurance

KCLau presents Withdraw EPF Fund to Pay Insurance Premium? posted at KCLau’s Money Tips, saying, “Vincent Lee from Penang generously shares an idea to use your EPF”

Joseph presents How To Save Money On Auto Insurance posted at How to save money.

MatthewPaulson presents Investing in Renters Insurance posted at Fine-Tuned Finances.

Investing

Adam Williams presents The number one thing you should consider when investing posted at RabbitFunds.com, saying, “Many investors focus primarily on return. However, in the myriad of factors to consider when investing, liquidity should be at the top for the average investor.”

Investing Toolkit presents What’s A Stock Market Index? posted at Investing Toolkit.

Investing School presents Scottrade Promotion and Review posted at Investing School, saying, “Scottrade has been winning customers over with its amazing customer support. See what the stock broker offers.”

Patrick @ Cash Money Life presents Scottrade, OptionsHouse, and tradeMONSTER Review posted at Cash Money Life, saying, “Reviews of Scottrade, OptionsHouse, and tradeMONSTER, three of the top online discount brokerage firms.”

Vlada Kynsky presents Short interest posted at StockWeb, saying, “What is short interest and where to find useful information. Short interest filter, short interest in chart and reports.”

ABC presents Investment Real Return posted at ABCs of Investing, saying, “A simple explanation of investment real return.”

Finance Tips 101 presents 7 Easy Tips To Help Save Money At The Grocery Store | Finance Tips 101 posted at Finance Tips 101.

The Dough Roller presents Summary of the Best Online Discount Brokers posted at The Dough Roller, saying, “You’ve probably heard of many discount sites that allow you to trade stocks online (e.g., Zecco, Scottrade), but I’m guessing there are a lot of online brokers you’ve never heard of (Sogotrade may be one example).”

Silicon Valley Blogger presents OptionsXpress For Stock Investing and Options Trading posted at The Digerati Life

Jimmy Atkinson presents Fixed Income ETFs: What Every Financial Advisor Needs To Know | ETF Database posted at ETF Database.

ABC presents REITs (Real Estate Investment Trusts) – Invest In Real Estate The Easy Way posted at ABCs of Investing, saying, “A short and simple explanation of REITs - Real estate investment trusts.”

Mike Piper presents Should I Rollover my 401k into an IRA? posted at The Oblivious Investor, saying, “A guide to answering one of the most frequently asked investing questions: Should I rollover my 401k?”

Pinyo presents 401k Rollover To IRA: What is it and how does it work? posted at Moolanomy, saying, “Learn how 401k rollover works and which rollover is the best for your situation.”

Ben presents Stock Analysis: Earnings per Share Price to Earnings Ratio posted at Money Smart Life.

straight presents Bernanke posted at Stock Market News.

20smoney presents 401(k) Planning: The Best Way To Supplement Your 401(k) posted at 20s Money, saying, “The best ways to supplement your 401(k) plan!”

Make Money Online

Silicon Valley Blogger presents Cheap Web Hosting Services For Those On A Budget posted at The Digerati Life, saying, “Consider cheap web hosting for your online business!”

Joseph Ekwu presents LAMIDO SANUSI SACKS BANK MD?s posted at Josephekwu’s Weblog, saying, “This is Nigeria…read please”

Jeremy presents How to Lower Your Car Insurance Payments posted at The Car Spot, saying, “A great way to save money is to lower your monthly car insurance payments.”

Online Dividends presents $75 Checking Bonus Deal at Bank of America posted at Blogging Banks.

Sam Selim presents Fast Cash through Affiliate Marketing posted at Intense Buzz Gateway to Online Profits.

Sam Selim presents Make Money When Visitors Leave your Site posted at Intense Buzz Gateway to Online Profits.

Others

Patrick @ Cash Money Life presents How to Stop Junk Mail Forever posted at Cash Money Life, saying, “Tips on how to reduce the amount of junk mail you receive”

nickel presents What is a Mortgage Escrow Account? posted at fivecentnickel.com.

Cindi presents The Business Education You Never Got? posted at Chiropractic Marketing | Chiropractic Advertising, saying, “I’ve had to educate myself on how to run a successful business, and specifically how to market my business. During this time, I’ve read literally hundreds of books.”

R.J. Weiss presents Personal Finance Plan: Phase 1 posted at Genyweath.com.

R.J. Weiss presents Personal Finance Plan Phase 2 posted at Genyweath.com.

Matt Mason presents Do You Really Need Good Credit? posted at FYMO Personal Finance Blog.

Deposit Accounts presents How to Find a Financial Planner posted at Deposit Accounts.

Matt Mason presents Should You Let The Snow Melt? posted at FYMO Personal Finance Blog.

Property

MoneyNing presents The Beauty of Supply and Demand posted at Money Ning, saying, “Sometimes, this simple concept can really help us save big!”

Tallahassee Real Estate presents Changes In Real Estate Marketing posted at Tallahassee Real Estate Blog, saying, “The Internet has changed the way that REALTORS communicate with the market and with prospective customers. Knowing where the largest source of home buyers go to seek real estate information is part of a broker’s job when guiding real estate marketing efforts. Recent studies suggest that 87-92% of home buyers begin their search online, so being in the right place, at the right time, is certainly mission critical for every real estate broker.”

Chris presents What mortgage stress is and why should we care posted at Home I Own, saying, “For the folks who only heard about the mortgage part, but never about the stress part, here the exact definition of a mortgage stress: when people are paying above 30 percent of their income on mortgage repayments, they are under mortgage stress.”

Savings

Banker Saver presents Sneaky Bank Fees: How To Avoid Those Extra Charges posted at Banker Saver, saying, “on bank fees.”

Tom Drake presents Are Guaranteed Investment Certificates (GIC) Risk Free? posted at The Canadian Finance Blog, saying, “Guaranteed Investment Certificates are generally considered to be risk free investments. However, there are some risks that you need to be aware of and also some ideas to reduce those risks.”

Faizal Nisar presents Master the Art of Saving Money posted at Be Truly Happy, saying, “Learn to maximize your savings with patience, self-discipline and making a savings plan.”

Bucksome presents 5 Warehouse Club Services to save Money posted at Buck$omeboomer’s Financial Path to Retirement, saying, “This article describes five categories of savings you might not expect at the warehouse stores including insurance, investing, auto-buying, business services and more.”

MatthewPaulson presents What to Look for Other Than Interest Rates with an Online Bank posted at American Banking News.

Ben presents 7 Ways to Save Money on Back to School Shopping posted at Money Smart Life.

Technorati tags: everything about personal finance, blog carnival.

Photo by Crystian Cruz

Earlier Carnivals On Personal Finance:

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Categories : Blog Carnival, Credit Card, Debt Management, Insurance, Investment, Links, Make money online, Personal finance, retirement

Sat, 18th July, 2009 - Posted by Nash - 26 Comment

Carnival of Everything About Personal Finance – 6th Edition

Posted by Nash

Welcome to the 6th Edition of Everything About Personal Finance. In this carnival, just like the previous ones, you’ll see a wide variety of collection of fresh articles about Personal Finance in the topics of career, credit card, debt management, frugal living, property, make money online, insurance, investment, savings and others.

Just like the previous carnival, we will also choose the top 10 articles for this carnival.

If you like this article, you can subscribe to get future articles to be sent directly to your email.

Pick Of The Week

Credit Shout presents When should you cut up your credit cards? posted at CreditShout.

Ray presents Making Money From Balance Transfer Credit Cards posted at Money Blue Book.

Patrick @ Cash Money Life presents Debit Card Versus Credit Card – Which Is Better? posted at Cash Money Life, saying, “Which is better - using credit cards or debit cards? Credit cards offer better protections and cash rewards, but also come with the temptation to overspend.”

Barry presents Saving Money With Do It Yourself Projects posted at Associate Money.

The Smarter Wallet presents Investing In Stocks and Bonds: Some Investment Basics posted at The Smarter Wallet

Brandon Laughridge presents 5 Reasons Why the Million Dollar Home Market Will Not Recover Soon posted at Mortgage Loan Place Blog, saying, “Some interesting insights on why the million dollar home market won’t recover anytime soon.”

Kathryn presents The 20 Best Twitter Users To Follow For Money Tips posted at Out of Debt Christian, saying, “Twitter can be a great way to get a regular flow of tips, ideas and information about money, budgeting and investing. But with so many people on Twitter, how do you know who to follow? Check out this list of 20 Twitter people to follow if you’re looking for tweets about money.”

Money Ning presents How to Buy a Used Car posted at Money Ning, saying, “Knowing how to buy a used car can not only save you thousands but sometimes tens of thousands.”

Four Pillars presents Keep Your Emergency Fund In A High Interest Savings Account posted at Quest For Four Pillars, saying, “Some suggestions on the best places to store your emergency fund.”

Allison Johanson presents The ETF Hall of Fame: 25 People Who Revolutionized the ETF Industry posted at ETFdb.

Career

Ted Reimers presents Average Starting Salary by Major for 2009 posted at CampusGrotto.

FMF presents The Psychology of a Layoff posted at Free Money Finance, saying, “The thoughts that run through your mind when you’ve been laid off.”

Credit Card / Debt Management Programs

The Dough Roller presents freecreditreport.com versus annualcreditreport.com–Where to get your free credit report posted at The Dough Roller, saying, “Want your free credit report? Makes sure you go to the right website, or you could pay an arm and a leg.”

Silicon Valley Blogger presents myFICO To Drop Experian Credit Score and Report: One Less FICO Score posted at The Digerati Life

Colin Robertson presents What Credit Score Do You Need to Get a Credit Card? posted at The Truth About Credit Cards.com.

Credit Shout presents Credit Card Hardship Programs posted at CreditShout.

Steven Chang presents Advanta credit card closed its door and puts me on a 3.9% APR repayment plan - Money Blog – Money Making Tips & Money Management posted at Money Making Tips and Money Management.

Daniel Drew presents Line of Credit posted at My Business is doing well should I choose an SBA Loan?, saying, “At Line of credit are generally paid off by opting for a permanent source of financing. In case of commercial property line of credit, the sale of the old property may help repay the line of credit.”

Patrick @ Military Money presents Dave Ramsey’s Baby Steps posted at Military Finance Network, saying, “Dave Ramsey’s 7 Baby Steps is to provide a step by step guide to help people get out of debt and achieve financial freedom.”

Nickel presents Credit Score - Good? or Good Enough? posted at fivecentnickel.com.

Michael Schindler presents 10 Questions to Ask When Applying for Credit posted at Your Personal Finance Source.

Dan Miller presents Student Loan posted at Student Consolidation, saying, “Student loan consolidation is a great way to get a lower interest rate, as a reputable consolidation company will buy each loan off of the original lenders, lump it into one loan and offer lower interest and even deferment plans. Consolidate student loans to get them paid off more quickly with financial advice from a guidance counselor in this free video on student loans”

Frugal Living

Seth Comire presents Automatic Theft Machines posted at Penny For Your Debt.

Dave presents Cash For Clunkers posted at Cheapo Groovo, saying, “Learn how to get your $4500 rebate from the government”

Money Beagle presents Pack And Move Yourself To Save (And Make) Money posted at MoneyBeagle.

Wren Caulfield presents Moving? Save time and money with these great tips. posted at True Adventures in Money Hacking.

Insurance

Ky presents How to Get a Collision Estimate posted at richmond car insurance.

Ky presents Tips to Attain Cheapest Home Insurance Quote posted at contents insurance, saying, “”One can achieve high value of coverage without breaking the bank. Only thing which needs to be done is to achieve this feat are little bits of information. There are number of ways in which this can be done. There are as follows…”"

Doug Boude presents Employers: Save Yourself And Your Employees Some Healthcare Cash! posted at Doug Boude (rhymes with ‘loud’), saying, “this blog post explores a potential alternative to the way companies currently provide health coverage to their employees; an idea that potentially could save both employer and employee money”

Investing

Ryan Suenaga presents What’s in my Portfolio: Vanguard

Value Exchange Traded Fund posted at Uncommon Cents.

ABC presents Different Types of Stock Market Indexes posted at ABCs of Investing, saying, “How different types of stock market indexes work.”

Jeff Rose presents What Are Your Best Roth IRA Rates? posted at Jeff Rose.

Robert D Flach presents 1040 FYI - GROSS PROCEEDS AND COST BASIS posted at THE WANDERING TAX PRO.

Oliver Kennett presents Stocks and shares: What you need to get started posted at Star spray, saying, “In this economic climate people are looking for a good way to either protect their hard earned cash, or make that little pile of Benjamin’s blossom into a mountain range of equity.”

Make Money Online

Brian Young presents Retail Safety: Key Benefits of One-Time Security Locking System posted at Retail Security Products.

Buck Weber presents Best Sweepstakes Sites posted at THE BUCK LIST, saying, “Unlike the lottery, they are free to enter. In no particular order here are my top five favorite sweepstakes sites.”

Gregory E. Rouse presents What is Passive Income? posted at Free Online Business.org, saying, “FreeOnlineBusiness.org “How to start an online business for FREE without spending one cent!” This site finds and posts FREE tools for running an online business!”

Outshined presents The Power of Passive Income and Work Ownership posted at Personal Web Guide, saying, “”Passive Income” is a carnival that discusses the benefits of work ownership and generating a passive stream of revenue. It also details the most proficient skills and techniques needed to get your business, website, or service up and running regardless of what it is.”

Others

Jeff Rose presents Taking Care of an Elderly Parent posted at Jeff Rose.

Len Penzo presents Ten Essential Negotiating Tactics Everyone Should Know posted at Len Penzo . Com.

Matthew Paulson presents Tips to Avoid Getting Taken for a Ride When Buying a Used Car posted at American Consumer News.

Carlos Sera presents A Tale of Duty - “Common Sense, The Least Common of the Senses” posted at Financial Tales, saying, “My father-in-law was a wise old Yankee from Massachusetts when I met him at the ripe old age of 63. He was 17 years older than my mother-in-law and since he had spent most of his career as a State Department diplomat, I would listen closely to what he had to say since his world and perspective was so alien to the one I knew. He was born in 1915 and like many of his generation his thinking was shaped by the events of the Great Depression and then World War II. His formal education was cut short due to financial hardship but that didn’t mean he stopped learning.”

Property

Jonathan from Debt Loans presents An Introduction to the First Home Buyers Grant | Debt Loans posted at Debt Loans, saying, “You’re tired of renting – all that money that’s been flushed down the drain again and again – and now you’re ready to buy your first home. You may have heard about the government’s program promising money to first time homebuyers is being extended until 31 December 2009. What is this grant about, who is eligible and how much will first time buyers receive?”

Matthew Paulson presents Ten Questions to Ask Your Mortgage Officer posted at Fine-Tuned Finances.

Bob Brooks presents Prudent Mortgage Refinancing Isn’t About Getting a Lower Payment posted at Deceptive Money.

Savings

Joshua presents Re-Using For The Family Budget posted at Family and Parenting, saying, “Recycling is not only good for the environment but also good for your family finances.”

Lazy Man and Money presents Sprint Rebates Suck posted at Lazy Man and Money.

Kathryn presents Banks Increase Overdraft Fees; How to Prevent Them posted at Out of Debt Christian, saying, “The New York Times is reporting that several banks have recently upped a host of fees. Everything from balance transfers to ATM withdrawals are costing customers more. Overdraft fees also continue to rise.”

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Technorati tags: everything about personal finance, blog carnival.

Earlier Carnivals:

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Categories : Blog Carnival, Credit Card, Insurance, Investment, Links, Make money online, Personal finance

Sat, 11th July, 2009 - Posted by Nash - 9 Comment

Make money online for beginners

Posted by Nash

Guest author: Jared Weidner

If you are a beginner in online money making or just looking for some new ideas to spark your interest, you are in luck. Everyone is using the Internet, from the time they wake up till the lights shut off at night. Internet money making is so popular because if done correctly, there is a chance that you will never have to work a day in your life. While you are watching T.V, your website is being viewed and items are being bought. Here are just some of the easy ways for a beginner to start making money online.

For starters, the easiest way to starting making money online for beginners is to look into paid surveys. Paid surveys are easy to do, take little time, and can have you earning extra cash in your spare time. In order to get the most money out of paid surveys, it is essential that you find the top paid survey sites and register to as many as possible.

Next, affiliate marketing is another great way to make money online for beginners. Affiliate marketing is simple, you sign up with an affiliate site, find products that other people have made and sell them using a unique ID. If someone buys the product through your ID, you can earn up to 75% in commission. Although it may sound easy, finding the right target audience and niche can take time, but it can lead to a full-time income online.

Blogging is also a natural way to make money online (from yours truly). It takes time and effort to get it up. However, if it’s done properly, the income generated can be great! There are fast-track, proven methods to make money by blogging.

[read more here ...]

Collection of Articles on Personal Finance (Carnivals):

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Thanks for visiting nil2million.com. If you enjoyed this post, you can get a free regular updates on the RSS Feed, or you can have us delivered future posts directly to your email.

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Categories : Links, Make money online

Tue, 9th June, 2009 - Posted by Nash - 1 Comment

Make money scam - if it walks like a duck and it talks like a duck …

Posted by Nash

This is one of the frequently used phrase in my office.

“if it walks like a duck and it talks like a duck, then it’s a duck!”

How can this relate to anything?

Well, for example, if you found a program in the internet looks too good to be true (which probably makes it a scam) and you search the internet and people are saying that it’s a scam, then there’s a big chance that it’s a scam!

That makes perfect sense right? But sometimes, people still got fooled.

I submitted a post on online paid survey scam earlier – Paid Survey scam – 10 time-tested tips on how you can avoid it.

So, next time, when you see something that looks like a scam or it’s too good to be true, then say “if it walks like a duck, and it talks like a duck… “

Categories : Light & Easy, Make money online, Online Paid Surveys

Sat, 23rd May, 2009 - Posted by Nash - 8 Comment

Paid Survey Scam: 10 time-tested tips on how you can avoid it

Posted by Nash

Ever heard of the saying – nothing comes for free? Well, to be honest, there’s nothing wrong about free sites, but if what you want is to make money, free sites are not the best place for it.

Online paid survey is a popular choice to make money online. It’s easy, fast and you can get some money out of it by having as little as a few hours of work.

When something is popular, you should be careful of the scams.

So what can scam do to you? Well, they can ask you to join in their program which you got to pay some money, and poof! nothing happens – except you losing your money. Some scammers also use your details to sell it to marketers and you’ll end up having spam emails to your mailbox, which everyone just hates that.

So, before you join into any of the online paid survey here are some tips for you to avoid being scammed:

Tip No 1: Check the support from the paid survey website

This is one useful test to do. In the “contact us” from the website, check out the email or phone number that you can contact them. You can post a simple question to the email and see how fast they respond and how is the quality of the respond. If they don’t respond at all then you should be worried.

What happens if they don’t even have a “contact us” page? Then you really should be worried.

Tip No 2: If it’s too good to be true, then it probably is

Ever get into those websites that promises you to earn thousands per month doing online survey? And you’re telling yourself are they for real? Well, most of the time they probably are. As online surveys gives small pay outs when they are completed usually in the tens of dollars – now how many surveys can you do to actually get thousands of dollars?

Tip No 3: Check out the company profile

A genuine paid survey profile normally have a good write up on the profile. Not just a one-liner. And they would also mention how many years they’ve been around. This is important – coz you don’t want to end up getting involved in a fly-by-night kinda websites.

Tip No 4: Be careful of free sites

Ever heard of the saying – nothing comes for free? Well, to be honest, there’s nothing wrong about free sites, but if what you want is to make money, free sites are not the best place for it. You may get into mystery shopping or something like that but you don’t normally get good money from it.

Tip No 5: Avoid mystery shopping

As I mentioned in Tip No 4, mystery shopping is just what it is – a mystery gift or a shopping voucher. Why is it called mystery? Coz if you know what it is upfront, you probably won’t be interested. So, if you got into a website that promises more mystery gifts than real money, you should give that website a skip.

Tip No 6: Visit forums on scam to check out the paid survey website.

Forums on scam such as www.scam.com provide a lot of reviews on websites and story from people on how they got scammed. Check out the paid survey website on these forum. If something bad comes out from it, then avoid the website.

Tip No 7: Look for reviews

Some genuine paid survey website will have good independent reviews about them. What you shouldn’t do is to read the review directly from the paid survey website – coz it can just be another marketing gimmick. Just search at google and type “<website name> review” and you might get something from the search.

Tip No 8: Where is the location of the company?

Sometimes the scam website gives a big list of the companies that wants you to do the survey. Just make a random check on these companies on whether they actually exist and whether they are really a big companies, or just small companies. Remember, normally the big company pays you money for the survey. Small companies give you mystery gift (in which you probably wont like or use anyway).

Tip No 9: Be careful of pop ups

Try to avoid paid survey websites that suddenly jumps to you out of nowhere – a typical pop-up kinda thing. That’s because most pop-ups can lead to scams. Some are good no doubt – but it’s rare.

Tip No 10: Trust your instinct

After reading and looking and checking out the paid survey website – how do you feel about it? Is the website something you are comfortable with? Coz if you get into their program, you’ll be using the website for a lot of times. If you gut feeling tells you something can be wrong – maybe it’s time to take a step back and think again. After all, you gotta trust your gut feelings.

What next?

There are some paid survey websites that you can try below. I’ve checked it out and it looks ok to me.

I found a cool Paid Survey video on YouTube for you to check it out:

Categories : Make money online, Make money tips, Online Paid Surveys

Sun, 17th May, 2009 - Posted by Nash - 10 Comment

Simplest way for you to make money online – Paid Surveys

Posted by Nash

You want to make money online the simplest way? Then this is for you.

This is one of my earliest way on making money online and I’m still doing it from time to time. Paid Surveys. Everyone can do it. Undergrads, school-leavers, full-time moms – everyone.

Well, I got to warn you early – it’s not gonna make you a rich. You won’t be getting crazy money, but you’ll get some money. I haven’t seen anyone making a career out of it just yet, so don’t quit your job just yet!

I’ve seen many students do this and they got some money for them to enjoy over the weekend and stuff. And I’ve also seen full-time moms who makes some income from this.

Paid survey is very useful for someone who wants to make some money from the net, but don’t want to spend time to learn the other more complicated way to make money such as blogging or affiliate/online marketing. You need time to get the skills to do those things but if you’re good at it, you can make crazy money.

I’ve found a paid surveys video from YouTube for you to check out:

Some websites for paid surveys to get you started:

To participate in a poll on Online Paid Survey, please click here

So, click on one of the links above and start making money!

All the best!

Categories : Make money online, Make money tips, Online Paid Surveys