Insurance

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:

Career

Linda Jones presents 100 Blog Posts You Should Read Before Going to Med School posted at Nursing Schools.net.

Madeleine Begun Kane presents Working Stiffed posted at Mad Kane’s Humor Blog.

nissim ziv presents Teacher Interview Questions and Answers posted at Job Interview Guide, saying, “Classroom management, discipline, behavioral management, contacting parents and above all your teaching methods are parts of the teacher interview questions. This article suggests answers for the most common questions asked during a teacher’s interview.”

nissim ziv presents How to Pick a Career of Interest? How to Find your Perfect Career? posted at Job Interview Guide, saying, “Picking a career has never been easy. Particularly today, when almost anything and everything has been converted into a business model, the scenario is quite different from ten to twenty years ago.”

Credit Card / Debt Management Programs

Finavigation presents What You Should Know About Credit posted at Finavigation, saying, “Post explaining what young people need to know about credit, credit reports, credit scores, and improving their credit.”

The Smarter Wallet presents Equifax Credit Report and Score: Review of Equifax Products posted at The Smarter Wallet

CreditCardAssist presents Excellent Credit Requires Your Own Due Diligence posted at Credit Card Assist, saying, “Maintaining an excellent credit score has never been more important and these days it requires constant upkeep and due diligence to maintain it.”

Tom Drake presents Debt Service Ratio - GDS and TDS | The Canadian Finance Blog posted at The Canadian Finance Blog, saying, “GDS and TDS are ratios that banks and mortgage brokers will calculate to determine if you are financially able to afford your mortgage.”

Vichuda presents Credit Card Free Annual Fee Warnings posted at Kota Medan Guide.

Investing

Silicon Valley Blogger presents ETrade Online Brokerage Account: Top Broker Review posted at The Digerati Life

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.”

Investing Toolkit presents Buy Low And Leverage The Stock Market posted at Investing Toolkit

Wealth-Ed presents Get Ready for Roth IRA Conversions in 2010 posted at Wealth Education - Investment Ideas Personal Financial Advice, saying, “This news snuck up on me, but it is worth sharing. There was a provision in a 2006 Tax Bill that removes the limits for Roth IRA Conversions in the 2010 tax year. This means, that as early as January, it will be possible for those making more than $100,000 per year (individuals or ‘married filing jointly’ to convert a Traditional or SEP IRA into a Roth IRA.”

Mike Piper presents Discount Brokerage IRA Comparison posted at The Oblivious Investor, saying, “A comparison of all the major discount brokerage firms, intended to help you determine the lowest cost place to open an IRA.”

Chris McClelland presents Mistakes that can cause your investments to falter posted at Lucrative Investing.

Others

Banker Saver presents TARP Bailout Funds: How Have Banks Used Taxpayers’ Money? posted at Banker Saver.

Emily Simmons presents How to Have a Successful Yard Sale posted at Be In Health Now, saying, “These are the tips my husband and I followed when having our yard sale last week, resulting in more than $400 extra in our traveling fund! Hope you find them helpful, too.”

Mark Aucamp presents Confidence is the key to recovery from this recession posted at Money Saving Tips, Consumer Finance, Expert, Advice and Help | Talk Money Blog.

Chris McClelland presents Right wing conservatives and coal companies join together to promote pollution posted at Lucrative Investing.

Property

Doug Boude presents Buying a New Home is Easy! Part 2 of 2 posted at Doug Boude (rhymes with ‘loud’), saying, “This is actually the third of three posts in the series as I chronicled the building of my wife and I’s new home. I share all of the things you wish you knew ahead of time in hopes of helping others make smart choices in their new home buying experience.”

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:

…

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.

Don’t worry, we don’t like spam too. So we won’t send those to you and we won’t share your email with others too.

…

Categories : Blog Carnival, Credit Card, Debt Management, Investment, Links, Personal finance

Posted by Nash

Welcome to the 10th 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

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.

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.

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.

Photo by Crystian Cruz

Earlier Carnivals On Personal Finance:

…

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.

Don’t worry, we don’t like spam too. So we won’t send those to you and we won’t share your email with others too.

…

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

Posted by Nash

Welcome to the 9th 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.

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

Alvina Lopez presents 100 Best Personal Finance Blogs for Recent College Grads – Online Degree Programs.org: Top Online Degrees posted at Online Degree Programs.org.

Linda Jones presents 100 Places to Plan & Research Your Next Career Move posted at Best Colleges Online.

nissim ziv presents How to Decide on a Career? How to Choose a Career Path? posted at Job Interview Guide, saying, “All of us have some thoughts and ideas about our careers and professions. It is however sad to see that not everyone reaches a career or path of profession that they would like to.”

nissim ziv presents How to Reach your Career Goals and Objectives posted at Job Interview Guide, saying, “Being successful in a profession covers a lot of aspects. Being successful in a career does not only mean being paid at the end of the month and getting appraisals at the end of a year or more. .”

nissim ziv presents Why Did You Choose This Career - Interview Question and Answers posted at Job Interview Guide, saying, “Some of these job interview questions are trick questions, which are basically asked in a bid to differentiate between the good interviewees and the best interviewees. One such tricky question is why did you choose this career?”

Logan Flatt, CFA presents Volunteering to be Selfish | PowerWealth.com posted at PowerWealth.com.

Jeff Rose presents Changing Careers? How To Become a Certified Financial Planner posted at Jeff Rose.

Kate Hopkins presents 100 Best Blogs for Career-Minded Students posted at Online Schools.

Alvina Lopez presents How to Not Go Broke in College: 100 Tips, Tools, and Tricks posted at Associate Degree Blog.

Linda Jones presents Beyond Monster: 50 Great Career Links for Recent College Grads posted at Online Universities.com.

Credit Card / Debt Management Programs

Bob Brooks presents Nightline Busts these Debt Settlement Scams posted at Deceptive Money.

Damon Day presents Top 5 myths told by Debt Settlement Companies posted at Damon Day, saying, “Often times Debt Settlement Salesmen will say anything to sign up consumers into their programs. It is important for consumers to educate themselves on the topic of debt settlement so they can recognize when they are being told the truth and when they are being led down the wrong financial path.”

Daniel Drew presents Unsecured Small Business Loans 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”"

David presents Balance Transfer for Life Offers posted at Credit Card Offers IQ, saying, “Review of balance transfer for life offers.”

The Dough Roller presents AccountNow Prepaid Visa and MasterCard posted at The Dough Roller, saying, “Review of the AccountNow prepaid credit card.”

BrandonLaughridge presents Credit Scores: How Important Are They? posted at Mortgage Loan Place Blog, saying, “Learn how to improve your credit score and why it matters.”

CreditCardAssist presents Debit Cards Are Popular But Credit Cards Still Needed posted at Credit Card Assist, saying, “Post that discusses the rising popularity of debit cards and the need for solid, conservative credit card products and services is still in great demand from consumers.”

James Williamson presents Instant Approval Unsecured Credit Cards posted at Spare Dollars.

SpendOnLife.com presents Can My Credit Card Company Sue Me? posted at SpendOnLife.

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”"

The Dough Roller presents List of Free Prepaid Credit Cards posted at The Dough Roller, saying, “A list of free and low cost prepaid cards.”

Frugal Living

KCLau presents Thoughtless Spending posted at KCLau’s Money Tips, saying, “I was surfing the web recently and an article in Yahoo finance caught my attention. The article emphasizes the need to curb spending on the miscellaneous things in daily life.”

Insurance

List of Auto Insurance Companies posted at Home Life Weekly, saying, “A great list of Auto insurance companies to help find the best quotes together with customer satisfaction scores. Makes some interesting reading!!”

Master Your Card presents What to Expect If You Declare Yourself Bankrupt | Master Your Card posted at Master Your Card, saying, “If you’ve made the difficult decision to declare yourself bankrupt, you’re probably breathing a big sigh of relief at having the weight lifted off your shoulders. Once this passes though, you’ll probably be wondering what life will be like now that you’ve taken the plunge, and how you can rebuild your credit situation again.”

Joshua Dorkin presents Health and Life Insurance: Two Policies – Two Different Needs (slightly off topic of RE) posted at Real Estate Investing For Real.

Investing

Ashley Cook presents Money Saving & Goal Setting posted at Saving Money Today, saying, “When it comes to saving money, it is important to have goals.”

Debt Wizard presents Savings and Timeframes posted at Money Help, saying, “When it comes to saving money, you need to keep in mind your timeframe.”

Jonathan from Debt Loans presents Debt Consolidation vs. Bankruptcy | Debt Loans posted at Debt Loans, saying, “Despite Australia seemingly missing the worst of the Global Financial Crisis, there is no question that these are difficult economic times. To many people, it is a struggle just to pay the bills each month. Other people are in an even more difficult situation and, with each passing day, they are falling even further behind. What do they do? Debt consolidation and bankruptcy are two options available for those who are deeply in debt. However, is one option better than the other? Which option is right for you?”

Investing School presents What is Net Working Capital? posted at Investing School, saying, “Net working capital is one of the most important asset to have.”

Marvin Johnson presents Forex Trading Software That Really Works: Cutting-Edge Forex Trading Software Released By Noted Ivy League Wiz posted at Forex Trading Software That Really Works.

Stock Trading Brokers presents Investing Basics - Work With an Online Broker For The Right Reasons posted at Stock Trading Brokers, saying, “Remember to know why you are using an online broker.”

Jimmy Atkinson presents Sugar ETF Surges On Supply Concerns posted at ETF Database.

Finance Tips 101 presents Pocket Some Hard Earned Cash By Saving On The Electric Bill posted at Finance Tips 101.

Jeff Rose presents Using a Roth IRA to Maximize Your Wealth posted at Jeff Rose.

Rohit presents Dump your savings account..! posted at eMoneyLog, saying, “Thoughts on how High Yield checking accounts have made savings account obsolete.”

MoneyNing presents Rental Property vs REIT posted at Money Ning, saying, “Which is best? Getting a rental property or investing in REITs? Here we weigh in.”

Make Money Online

Mike smmrs johnson presents How to Make money online fast posted at how to make money online… Fast!, saying, “It’s easy to make money online once you know what you are doing. At one point their was no money, and look how much there is now. There are various forms of money all over the world.”

Gregory E. Rouse presents FREE Online Office Programs posted at Free Online Business.org, saying, “FreeOnlineBusiness.org the site that finds and posts FREE software and tools for running an online business!”

Ross G presents August $50 giveaway posted at Will it change you: portal for personal growth, saying, “Does giving money away manifest it back to you?”

Jonathan from Debt Loans presents Debt Consolidation Services: What You Need To Know | Debt Loans posted at Debt Loans, saying, “Debt consolidation is relatively simple to understand; as the name implies, you are consolidating your debts. This means that instead of keeping track of multiple loans and multiple payments, you take out one large personal loan that assumes all of your current debt. This way, you only keep track of one loan and one payment with a single interest rate.”

CPF presents How to make money writing for Hubpages posted at Money in the Bible | Christian Personal Finance Blog, saying, “Tips for beginning to create passive income with Hubpages”

Brian Campbell presents 5 Secret Characteristics of Successful Forex Traders posted at Brian Campbell, saying, “Ever wonder what makes a successful forex trader tick? Find out the 5 secret characteritcs that every successful forex trader possess.”

Others

Master Your Card presents Beware The Curse of The Cosigner posted at Master Your Card, saying, “If you’re diligent about paying your bills and keeping your credit score high, the time may come that someone may ask you to cosign for a credit card. This will become even more likely once President Obama’s CARD Act goes into effect in 2010, requiring anyone under age 21 applying for a credit card to have a cosigner if they don’t have sufficient income. Often, the person asking is a family member or friend that you may find it hard to turn down. But is the satisfaction of helping another worth the risk of destroying the credit rating you’ve worked so hard to achieve? Only you can answer that question, but there are a few things you should consider before making your decision.”

KCLau presents I achieved financial freedom at 38 posted at KCLau’s Money Tips, saying, “This post is contributed by WaiYin, a reader whom I admire very much because she achieved financial freedom at age 38! Here, she shares how she did it.”

Patrick @ Cash Money Life presents Is Your Car Eligible for the Cash For Clunkers Program? posted at Cash Money Life, saying, “There is a lot of confusion regarding which vehicles are eligible for the $3,500 to $4,500 voucher for the Cash for Clunkers program.”

Harold presents Cash for Clunkers – An Uncertain Future posted at The Car Enthusiast, saying, “Although the Cash for Clunkers program has been quite popular, it has faced its fair share of challenges and criticisms.”

CPF presents Is the iPhone coming to verizon? posted at Money in the Bible | Christian Personal Finance Blog, saying, “Rumor has it that the iPhone will be coming to Verizon soon - could it be true?”

Property

FMF presents A Moving Nightmare posted at Free Money Finance, saying, “A warning about the perils of moving.”

Retirement

MoneyNing presents 401k, Traditional IRA and Roth IRA Savings Not The Same posted at Money Ning, saying, “When you plan for retirement, do you really look into the tax situation and how it will affect your account balances?”

Savings

Patrick @ Money Saving Deals presents Chase Bank $150 Coupon Code for New Chase Checking Account posted at Cash Money Life Deals, saying, “Get a $150 sign up bonus with Chase Bank Checking Account.”

Barbara Williams presents 100 Money-Saving Hacks for Living Large on a Student Budget posted at Online Courses.

Ashley Cook presents Easy Ways to Save Money at the Gas Station posted at Saving Money Today, saying, “With rising gas prices and pressure on the economy, pinching pennies at the gas pump can add up to some seriously big bucks.”

Barbara Williams presents 100 Productive Ways to Spend Your Summer Vacation posted at Online Courses.org.

Lazy Man and Money presents How I Saved Hundreds in a Half Hour posted at Lazy Man and Money.

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:

…

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.

Don’t worry, we don’t like spam too. So we won’t send those to you and we won’t share your email with others too.

…

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

Posted by Nash

The insurance companies in Malaysia has made a joint-statement that it will cover claims relating from A (H1N1) influenza. These claims can include treatment and hospitalisation cost and death arising from A (H1N1) Influenza.

Source and credit: Shaun Ho from The Star Online

Insurance companies have decided to allow payouts on claims for treatment, hospitalisation and death as a result of Influenza A(H1N1).

The Life Insurance Association of Malaysia (LIAM) said yesterday that its 16 member companies would honour such claims.

Its president, Md Adnan Md Zain said policyholders could contact their respective insurance companies for further details.

“Even though a majority of medical policies carry exclusions on communicable diseases requiring quarantine by law, life insurers are responding to an immediate need of the nation in light of the increasing number of people who have been infected,” said Md Adnan.

“In the event of any review of this decision on life insurance coverage, the policyholders will be duly informed,” he added.

On Thursday, Deputy Prime Minister Tan Sri Muhyiddin Yassin told insurance companies to explain clearly whether those infect-ed with Influenza A(H1N1) could make claims for treatment, hospitalisation and in the event of death.

Etiqa Insurance Berhad said it would be paying out on claims made by its medical and health plan policyholders if they are hospitalised for A(H1N1).

Great Eastern Life Assurances Berhad and Overseas Assurances Corporation (Malaysia) Berhad also released statements saying their companies would compensate policyholders hospitalised for treatment of the disease.

An ING Malaysia agent said the guidelines on claims varied for different policies but the company generally covered hospitalisation claims for those with the illness.

Collection of Articles on Personal Finance (Carnivals):

…

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.

Don’t worry, we don’t like spam too. So we won’t send those to you and we won’t share your email with others too.

…

Categories : Insurance, Links, Personal finance

Posted by Nash

Since H1N1 related sickness and deaths are increasing day by day, you should check whether your medical & health insurance policy provides cover for H1N1.

Here are few things that you can do to check whether H1N1 pandemic is covered

1. Check out the policy wordings of your medical & health insurance.

Now, this can be a little bit tricky. Unless you’re a lawyer or working in an insurance company or is quite familiar with insurance, this can be tough. (I mean, who actually reads the policy or contracts when you sign for insurance right? Only when there’s a claim to be made people will scurry to the contract and pray hard the claim is covered).

But if you want to have a go, you should refer to the “Exclusions” provision. This is where it is spelt out on the conditions that your medical & health insurance will not cover.

Most of the time, pandemics are not listed as one of the exclusions, hence, your medical & health insurance should provide coverage on H1N1 related illness. (Phew!). But some contracts may have some exclusions when it comes to pregnancy or pregnancy related sickness, so if you’re pregnant, you should check further whether you’ll be covered if H1N1 strikes.

2. Call up your insurance company

This would remove all doubt as you’ll be hearing it directly from the source on whether you’re covered or not. The drawback is that when you call them up, you would most probably get to talk to their customer service representative, who may already have a scripted answer for that question, which would probably tell you nothing much. If that’s the case, you should insist on them to provide you with a definitive answer. Let them call up their claims personnel and to call you back.

3. Call up your insurance agent

You’ve been giving your agent a lot of commissions already. Now let him do more work for you. This should be the easiest thing to do. Let your agent find the details for you and he can let you know in more detail.

If your agent can’t do that for you, then maybe it’s a good time to look for a new agent.

4. Claiming when you’re abroad

This is something important that not too many people are aware of. Let’s say if you go to a different country say, U.S. and you got infected by H1N1 and you’re treated over there. If you make a claim to your medical & health insurance, the insurance company may only pay back the amount on what is a normal and customary amount should the treatment is done locally.

For example, if the treatment in U.S may cost your 10,000 dollars, and that same treatment may only cost 6,000 dollars in your country, then your insurance company may only pay you 6,000 dollars (leaving you with 4,000 to bear on your own)

This situation is not specific to H1N1 but to all types of treatment abroad. So before you go abroad, you should check with your insurance company or agent about this.

Conclusion

Your medical & health insurance policy would probably cover you if the H1N1 virus strikes you. But to be safe and sure, it’s best that you find it out for certain.

Photo by TreintagenariO @ flickr

Collection of Articles on Personal Finance (Carnivals):

…

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.

Don’t worry, we don’t like spam too. So we won’t send those to you and we won’t share your email with others too.

…

Categories : Insurance, Personal finance

Posted by Nash

Welcome to the 8th 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.

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.

Personal Finance Pick Of The Week

Kathryn presents International Unemployment Rates posted at Out of Debt Christian, saying, “The US unemployment rate hit 9.5% in June, a 26-year high. It’s predicted to go even higher in the coming months. But how does that compare with other countries? Check out this list of International unemployment rates collected by the Central Intelligence Agency. These are countries with higher unemployment rates than the US.”

David presents Fixed Rate Credit Cards are the Latest Casualty of the Credit Card Act of 2009 posted at Credit Card Offers IQ, saying, “With the passage of the Credit Card Act of 2009, many card issuers have stopped offering fixed rate cards in favor of variable rates.”

One Advice presents Assets in Bankruptcy posted at One Advice, saying, “Declaring bankruptcy mean you will no longer have control over your assets. Know your right before declaring bankruptcy…”

Big Larry presents Stupid Ways to Get Cash posted at Out of Debt Christian, saying, “When you are desperate for cash, there is always *someone* willing to lend you money, but of course at a tremendously high price. We reveal the high price of for popular ways to get quick cash and provide more sensible alternatives to each.”

The Smarter Wallet presents How To Consolidate Debt: Ways To Reduce Your Debt Load posted at The Smarter Wallet

The Investor presents How buying an iPhone can help make you rich posted at Monevator.com, saying, “Can it ever be financially sensible to buy a more expensive phone? Depends how you look at it…”

Brian presents High Cost Of Health Care: What Is The Root of the Problem? posted at How To Live a Longer Life, saying, “It doesn’t matter if we have private health care insurance, single-payer public coverage, or if we pay out of our cash and savings. No matter the health care system, the last year of life will be more expensive. At some point the costs might not be worth it.”

Investing Toolkit presents Why Should I Start Investing? posted at Investing Toolkit

Patrick @ Cash Money Life presents Unexpected Ways Having a Baby Changed Our Budget posted at Cash Money Life, saying, “Having a baby changes your budget in many ways - some of which are unexpected and difficult to plan for.”

Sam presents New !! Prenup !! Should I Sign a Prenuptial Agreement? Do I Need a Prenuptial Agreement? posted at Surfer Sam and Friends,

Career

Toni Graybill presents tonig.net: Welcome to My World of Wealth posted at Maximize Health and Wealth, saying, “Why an antidote to wealth? Is there an antidote to the antidote?”

Credit Card / Debt Management Programs

Jim DeSantis presents Why Fixing Your FICO Credit Score Should Be Your First Priority! posted at Emotions and Credit at On Line Tribune, saying, “The loan officer said: ‘Sorry, we cannot grant the loan. Your FICO score is just too low.’ FICO? What is a FICO credit rating score? How can I fix it? Repairing your FICO credit report is easier than you imagine, once you know what you need to fix.”

The Dough Roller presents How to Get Your Free FICO Credit Score from myFICO.com posted at The Dough Roller, saying, “Here’s how to get your official FICO credit score for free.”

Master Your Card presents A Step-By-Step Guide to Getting Your (Actually) Free Credit Report without Accidentally Signing Up For Extras: Part One – TransUnion posted at Master Your Card, saying, “Those songs from a certain misleading ad campaign sure are catchy – and I don’t just mean that their melodies are hooky and infectious. The main catch from this supposed freebie website (which shall not be named so as not to introduce any possible confusion with the only FTC authorized vendor of free annual credit reports) is that while the credit report is free, the “credit monitoring” service certainly isn’t.Aand it’s no walk in the park to cancel it either.”

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”"

PFCreditCards presents How to Save Money With 0% Balance Transfers posted at PF Credit Cards, saying, “0% balance transfers are a great way to save money.”

One Advice presents Reduce Your Credit Card Debt posted at One Advice, saying, “Don’t know how to reduce your credit card debt? Worried about high credit card bills? You CAN be debt free with these VERY simple tips…”

Jeff Rose presents How to Review a Credit Report posted at Jeff Rose.

MoneyNing presents AnnualCreditReport.com For Free Credit Reports posted at Money Ning, saying, “Annualcreditreport.com should be the only place to get free credit reports.”

David presents 0% Balance Transfer Offers posted at Credit Card Offers IQ, saying, “Here is one of the largest list of 0% balance transfer offers on the Internet.”

The Dough Roller presents Will the ‘Real’ FICO Credit Score Please Stand Up posted at The Dough Roller, saying, “When you check your FICO score, make sure you get your real FICO score, and not a fake!”

Ben Dinsmore presents Which Loans Should You Pay Off First? Highest Interest or Lowest Balance posted at Trees Full of Money, saying, “The inside scoop of why I chose to deviate (slightly) from Dave Ramsey’s debt reduction techniques on my way to paying off over $90,000 in debt!”

Silicon Valley Blogger presents myFICO Score Watch: Equifax Credit Score Monitoring posted at The Digerati Life

Tony Cookson presents Do you have a Macy*s card? Part Two posted at This Young Economist.

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

Miss Bankrupt presents When the Credit Score Doesn’t Matter posted at Miss Bankrupt.

The Consolidation and Reduction of Debt presents Main Characters In A Letter Of Credit posted at Categories Blog.

Daniel Drew presents Line of Credit 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”"

Pinyo presents What is a Good Credit Score? posted at Moolanomy, saying, “Your credit score is an important aspect of your finances if you’re planning to borrow money — e.g., mortgage for home purchase or a student loan. In this article, learn what the industry considered a good score and follow instruction on how to get your credit score and credit report, as well as how to improve your score.”

Ray Taylor presents How To Check Your Credit Score posted at free credit tips, saying, “A must view for those with bad credit”

The Consolidation and Reduction of Debt presents Tips To Secure Fast Cash Loans Today | Categories Blog posted at Categories Blog.

Frugal Living

Stingy Student presents Best Amazon.com Discount Sale - 90% off for Back To School Shopping posted at Stingy Students, saying, “Get up to 90% off at Amazon.com for back to school shopping”

ChristianPF presents Cash for clunkers has gone away! posted at Money in the Bible | Christian Personal Finance Blog, saying, “After 5 days of it’s existence the Cash For Clunkers program has been suspended…”

Kristen Ellis presents Frugality In the Making: Misuse Of Coupons ~ Bad News For the Rest Of Us posted at Frugality In the Making.

Insurance

Patrick @ Military Money presents How Much Life Insurance Do Military Members Need? posted at Military Finance Network, saying, “Military members may have different life insurance needs than civilians. Here is information regarding how much life insurance military members should buy, and some resources for finding the best life insurance deals.”

Investing

Investing School presents Compare Online Brokers posted at Investing School, saying, “Online brokers are all pretty awesome but some just stand out above the rest. Here are a few you should look into.”

Alisha Harmann presents 10 Essential iPhone Apps for Intelligent Investors posted at ETFdb.

ABC presents Risks of Fixed Income Investments (Bonds) posted at ABCs of Investing, saying, “Some factors which can cause bonds to go down in price.”

Kevin Poulis presents ScotTrade.com – More Broker For Your Money posted at SiteTally.com.

Banker Saver presents How Safe Is Your Retirement Fund? posted at Banker Saver,

Investing School presents What is Forex? posted at Investing School, saying, “Forex refers to currency exchange and here’s more explanation of it.”

Others

Jonathan from Debt Loans presents How to Read a Product Disclosure Statement (PDS) | Debt Loans posted at Debt Loans, saying, “When considering purchasing any financial product, consumers will be given a Product Disclosure Statement (PDS) which outlines all the important information about the item the consumer is considering. It is meant to serve as a comparison document, so buyers can look at different options side by side in an easy to read format.”

Four Pillars presents 2009 Cash For Clunkers Program - Trade In Your Old Junker For Money posted at Quest For Four Pillars, saying, “A comprehensive look at the new Cash for Clunkers trade-in program.”

Mr Credit Card presents American Express Gift Cards Review posted at Ask Mr Credit Card.

Property

Chris presents Tax time: 8 house-related expenses you can claim. posted at Home I Own, saying, “Tax returns - use your home expenses and get money back”

Four Pillars presents Make Home Affordable Refinance Program Changes Eligibility Requirements For Easier Refinancing posted at Quest For Four Pillars, saying, “Making Home Affordable refinance program eases requirements.”

Retirement

Patrick @ Military Money presents Is REDUX Retirement Worth it? posted at Military Finance Network, saying, “REDUX is a military retirement option that offers military members a $30,000 Career Service bonus in return for a lower monthly pension. But is it worth it?”

Savings

Johnny Lokin presents How Retail Security Systems Can Protect Your Business posted at Retail Security Systems.

Wise_Bread presents What’s the Right Way to Save? posted at Wisebread.

Kathryn presents Easy Ways to Slash Bank Fees posted at Out of Debt Christian, saying, “Bank fees continue to go higher and higher, which means that avoiding them is more important than ever! With fees deducted directly from your account, it can be tough to notice that may have been charged hundreds of dollars per year just for the privilege of using your own money! Fortunately, you can cut these fees to nearly zero by taking just a few easy steps:”

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:

…

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.

Don’t worry, we don’t like spam too. So we won’t send those to you and we won’t share your email with others too.

…

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

Posted by Nash

Welcome to the 7th Edition of Everything About Personal Finance! We’ve managed to collate a lot of articles from the contributing authors. I’m sure there’s at least one interesting article for everyone.

I’ve read one interesting article from a blogging friend in www.onemint.com. He mentioned that people’s perception is that the recession is over and economic recovery is underway. Nevertheless, personal finance is something everyone should take interest on, whether the economy is going south or not.

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.

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.

Pick Of The Week

Jonathan from Debt Loans presents How to Fix Bad Credit | Debt Loans posted at Debt Loans, saying, “It’s easy to fall into the bad credit trap, but it’s extremely difficult to get out of that trap. Improving your credit rating is possible, though it can also be tricky. As with most other things in life, there are some fool-proof ways to improve your credit score for good.”

Linda Jones presents 100 Tips, Tools, and Resources to Reinvent Your Career posted at JobProfiles.org - Job Descriptions and Online Schools to Start Your Career.

Pinyo presents Dave Ramsey And The Power of Behavioral Finance posted at Moolanomy, saying, “Learn why Dave Ramsey is such a popular Get Out of Debt Guru. It’s all in your mind.”

Julie presents Parenting Tips: Making Sure Your Children are Financially Literate posted at More4kids.

Michael Schindler presents 4 Benefits of Index Fund Investing posted at Your Personal Finance Source, saying, “Index fund investing is a great way to build wealth. Although it has many advantages, this article discusses 4 primary benefits associated with index fund investing.”

KCLau presents Why the worse classmates are wealthier than you? posted at KCLau’s Money Tips, saying, “Discusses if there is a correlation between academic success and financial well-being”

Chris McClelland presents How social networking sites can also help you save some money posted at Lucrative Investing.

Kathryn presents Beware! 15 Common Scams That Can Steal Your Money posted at SpendOnLife, saying, “Important information about how to avoid the most common scams including scams that try to steal money away from people seeking legitimate job opportunities.”

Kate Hopkins presents 100 Money-Saving Lessons from Poor College Kids posted at Online College Degree.org.

Master Your Card presents 7 Lame Reasons People Spend More Than They Make posted at Master Your Card, saying, “Personal finance isn’t exactly rocket science. We all pretty much understand the basic concepts of living below our means, budgeting, tracking expenses, etc. But, even as straightforward as these concepts are, there are still plenty of people out there in debt and spending more then they make. So, here are seven lame excuses we hear, or we use ourselves, about why we spend more than we make.”

Career

One Advice presents IVA Bank Accounts posted at One Advice, saying, “Been accepted for an IVA but worried that you cannot get a bank account? Need to move away from a bank that you are in debt too? You CAN get a bank account! Find out how…”

FMF presents When to Take Two Pages on Your Resume posted at Free Money Finance, saying, “The right length for a resume.”

Credit Card / Debt Management Programs

Mr Credit Card presents Best Business Credit Cards Recommendations for 2009 posted at Ask Mr Credit Card.

Miss Bankrupt presents Staying Sane While Broke and in Debt posted at Miss Bankrupt.

Daniel Drew presents Unsecured Small Business Loans 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”"

Daniel Drew presents Small Business Loans posted at My Business is doing well should I choose an SBA Loan?, saying, “Many companies in the US are ready to help businesspersons when they need financial assistance. The lending companies have a team of experts who can guide you about matters pertaining to unsecured loans, so that you can make a smart financial decision.”

SpendOnLife.com presents Weather the Storm by Keeping Credit Card Debt posted at SpendOnLife.

Ben Dinsmore presents How to Clean Up Your Credit Reports: A Step by Step Guide to Repair Your Report and Increase Your Credit Scores. posted at Trees Full of Money, saying, “Improve your three major credit files with my simple step by step guide.”

Patrick @ Cash Money Life presents Using Credit Cards to Rebuild Your Credit Score posted at Cash Money Life, saying, “You can use credit cards to establish or rebuild your credit score - even if you have no credit or a bad credit history.”

Jonathan from Debt Loans presents 8 Things You Need to Know About Payday Loans | Debt Loans posted at Debt Loans, saying, “A few years ago, a couple I know got into trouble with some payday loans. Hard on their luck and desperately in need of groceries, they spent a couple of weeks taking out payday loans from one of those conveniently located check-cashing places. Before too long, they were drowning due to the payday loans. While they wouldn’t have had food in their home otherwise, here’s a list of things that would have helped them (and can help you) before they were in over their heads in a high-interest debt situation:”

CreditCardAssist.com presents What Does Pre-Approved Really Mean? posted at Credit Card Assist.

Ben presents New Credit Card Rules - How They’ll Help You posted at Money Smart Life.

Frugal Living

Woman Tribune presents 5 Tricks to Get a Handle on Unnecessary Spending posted at Woman Tribune.

Kathryn presents Spend a Little, Save a Lot posted at Out of Debt Christian, saying, “Sometimes, you’ve got to spend some money to save some money. Here are three great programs that will cost you a few dollars today but could save you hundreds of dollars over the months ahead…”

MatthewPaulson presents Use an Income and Expense Budget to Deal With Your Financial Problems posted at Fine-Tuned Finances.

Insurance

PPO HMO Insurance Differences Explained posted at Home Life Weekly, saying, “This article discusses the differences between PPO HMO insurance differences in simple terms”

Investing

The Smarter Wallet presents Investing In The Stock Market? Rules To Help You Sleep At Night posted at The Smarter Wallet, saying, “Thanks!”

Investing Toolkit presents The Successful Stock Investor: Do You Have These Attributes? posted at Investing Toolkit.

Sam presents New !! Make Money With the Best Stock Investments in the Market posted at Surfer Sam and Friends

Nickel presents Best CD Rates (Updated!) posted at fivecentnickel.com.

Martha Jackson presents 10 Excellent YouTube Videos to Learn About Long-Term Investing posted at ETFdb.

Property

Chris presents The pros and cons of non-bank lenders posted at Home I Own, saying, “First home buyers, this is a must read for you.”

Retirement

Jeff Rose presents 5 Year Rule for Roth IRA Qualified Distributions posted at Jeff Rose.

Savings

Banker Saver presents Is The Inflation Protected Certificate of Deposit Still Around? posted at Banker Saver, saying, “Thanks!”

Mindi Lyons presents Your Financial Latte Factor posted at Mindi Lyons.com.

Tom Tessin presents 10 Steps to Help You Lease a Car posted at FGC Auto Blog, saying, “Looking to lease your next car? Here are some steps that you can use.”

Silicon Valley Blogger presents FNBO Direct: Best Online Savings Account, ETrade Bank Interest Rate At 3% APY posted at The Digerati Life

Savings Toolbox presents Compare Features when Shopping for an Online Bank posted at Savings Toolbox

.

Others

Madeleine Begun Kane presents Kindle Swindle? posted at Mad Kane’s Political Madness.

Jenny presents Strict Spending posted at Stop Spending Money, saying, “It is not too difficult to learn how to budget and still be happy.”

Mike Piper presents What are refundable tax credits? posted at Taxes Made Simple, saying, “A quick explanation (and some examples) of the tax term “refundable credit.”"

Britannica Blog presents About Fixing the Economy: Obama, Weak; GOP, Clueless; the Masses: Distracted (by Michael Jackson, et. al) | Britannica Blog posted at Britannica Blog, saying, “Vice President Joe Biden says the administration “misread” the severity of the recession, an assertion borne out by forecasts supporting the stimulus package that came nowhere near seeing June’s unemployment rate of 9.5 percent. Yet the statement still seems odd: Even during the campaign economists and politicians alike were talking about the worse economic calamity since the Great Depression. Misread, indeed.”

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:

…

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.

Don’t worry, we don’t like spam too. So we won’t send those to you and we won’t share your email with others too.

…

Categories : Blog Carnival, Credit Card, Insurance, Investment, Make money tips, Personal finance, retirement

Posted by Nash

In this post, Jonathan Leane of Debt Loans has listed out 10 powerful ways for us to be financially sound when we retire.

Everyone wants to retire early and rich. Perhaps your dream is to travel the states in an RV or maybe you want to be able to retire in the country with a porch swing, a pond, and an art studio. Whatever your retirement dream is, here are ten tips to make sure that your retirement is as comfortable as possible.

Step 1 – Save, save & save!

Remember this piece of advice: If you want to be rich, it isn’t about how much you make, it’s about how much you keep. Think of that sentence each time you have a “want” that isn’t in your budget. Keeping up with the Jones will not get you where you want to be when you retire.

Step 2 – Budget to include savings for retirement

There really is no better system for keeping a handle on how much you have and how much you save. Make sure your income minus your expenses every month is equal to zero. Work with your spouse or partner on this together. Once you make a budget, stick to it. That means no impulse buying of seasonal placemats on a run to Target for toothpaste (nor should you purchase that new home theater system you see on sale in the store while you’re picking up diapers). Plan every cent that will be spent that month and stick to the plan. Saving just $150 a month at a 10% annual rate of return for 40 years will give you just under $900,000. That’s the same as saving five-dollars a day.

Step 3 – Cut down on the little expenses

Need help cutting down on expenses? David Bach, author of Smart Couples Finish Rich, suggests watching your “Latte Factor.” This is the amount per year that one spends on unnecessary purchases such as a Latte. Track spending for one week. Take a look at the smallest expenses – the candy bar from the vending machine, the latte, that muffin you picked up on your break from work. You can plug these figures into the Latte Factor calculator on the Finish Rich website to see how much money you could make if you avoid these little temptations every day.

Step 4 – Get out of debt as soon as you can

Nothing eats a hole in your dreams like owing money to a high interest credit card company or treading water each month just to stay afloat. Dave Ramsey, in his book Total Money Makeover, advises those working to get out of debt to avoid debt consolidation loans. Rather than consolidate loans, he advises that first debtors set aside a $1,000 emergency fund while continuing to make minimum payments on credit cards. Once you’ve established this fund, then it’s time to begin to pay off cards from the lowest to highest balance. Only take out a debt loan if you are in desperate need and you trust yourself not to dig a deeper hole.

Step 5 – Start saving your money for a rainy day.

Remember that emergency fund you started before you began to get out of debt? Build on it. Make sure you have enough liquid assets to live for 6-12 months if either yourself or your spouse became unemployed, injured, or some other emergency confronted you. This way, you will not go back into debt when faced with the unexpected.

Step 6 – Use insurance to protect your finances

There is no better way to safeguard your finances than to purchase insurance. At a bare minimum you should have health insurance, auto insurance, disability insurance (especially if you are self employed) and if you have dependents, life insurance.

Step 7 – Pay off your mortgage loan as soon as you can

The best way to do this is to refinance at a lower interest rate for a 15-year fixed mortgage. In addition, once you knock out your debt, you can make double payments on your home loan. By paying off your mortgage sooner, you can save yourself thousands upon thousands of dollars of interest – and put that money towards your retirement.

Step 8 – Max out your retirement savings plan

If your company offers a 401(K) plan, take advantage of it. This plan allows you to save for your retirement by depositing savings and deferring income taxes. Often, your company will match the amount you set aside in your 401(K) plan. Let this money grow. If your company does not offer a 401(K) plan, or if you are self-employed, open an IRA account and put money away in there. There are two types of IRA accounts – Traditional IRAs and Roth IRAs. A Traditional IRA offers various tax advantages for putting money away for your retirement. Some contributions may be tax deductable and often your contributions will not be taxed until they are distributed. A Roth IRA has similar rules but if you qualify, your contributions will be tax-free. The sooner you start saving, the more compound interest you will receive over the time of the account.

Step 9 – Prioritize your money for your future and retirement

When you get a raise, instead of purchasing a bigger house or more stuff, sock the additional amount away in savings. Imagine your raise is an additional $400 a month. If you are out of debt and invest this amount plus your latte factor of $150 a month consistently with a 10% annual return, after 30 years you would have 1.2 million dollars and after 40 years you would have3.2 million dollars. Do you still want that big screen TV or that new car?

Step 10 – Seek out a financial advisor to optimize your financial plans for retirement

A good financial advisor can help you plan for future goals and retirement. Make sure you know what your goals are between now and retirement (Do you have children to send to college? Do you want to go back to school yourself?) and be sure you are honest with the advisor about your current situation.

By following these ten tips, you can be well on your way to enjoying your retirement dreams – no matter what those dreams involve.

Collection of Articles (Carnivals) on personal finance:

…

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.

Don’t worry, we don’t like spam too. So we won’t send those to you and we won’t share your email with others too.

…

Categories : Personal finance, retirement

Posted by Nash

Welcome to the 5th 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, insurance, investment, savings and others.

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

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.

Editor’s Pick

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

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

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

Chris McClelland presents Estate lessons we can all learn from Michael Jackson’s death posted at Lucrative Investing.

Master Your Card presents 10 Ways to Make Sticking to Your Budget Easier posted at Debt Loans and Don’t Catch Swine Flu From Your Credit Card posted at Master Your Card.

Credit Card / Debt Management Programs

DR presents freecreditreport.com versus annualcreditreport.com–Where to get your free credit report posted at The Dough Roller.

Silicon Valley Blogger presents Experian Credit Score and Report, myFICO Code For FICO Scores posted at The Digerati Life.

Kathryn presents Banks Increase Overdraft Fees; How to Prevent Them posted at Out of Debt - Christian Finances and Debt Help 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”.

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”.

Chris McClelland presents Your credit score may soon lead to targeted Google ads posted at Lucrative Investing.

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

Insurance

Otto N surance presents How to Get a Collision Estimate posted at richmond car insurance.

Investing

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”.

Ryan Suenaga presents What’s in my Portfolio: Vanguard Value Exchange Traded Fund posted at Uncommon Cents.

Savings

MBB presents CD Rate Savings Account Alternatives posted at Money Blue Book Blog.

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

Others

Matthew Paulson presents Consumers Confidence Shaken by Recalls posted at American Consumer News.

Patrick @ Military Money presents Cash For Clunkers Scams posted at Military Finance Network saying “Tips on how to avoid Car Allowance Rebate System (CARS) or Cash for Clunkers Bill scams”.

Toni Graybill presents tonig.net: Welcome to My World of Wealth posted at tonig.net Wealth saying “A discussion on the nature of wealth”

Martin Russell presents “Conspiracy of the Rich”- A Review posted at Word of Mouth Marketing.

Patrick @ Cash Money Life presents Cash for Clunkers Bill posted at Cash Money Life.

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:

…

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.Don’t worry, we don’t like spam too. So we won’t send those to you and we won’t share your email with others too.

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

Career

Credit Card / Debt Management Programs

Frugal Living

Investing

Others

Property

Retirement

Earlier Carnivals On Personal Finance:

Other posts that you may be interested in:

Career

Credit Card / Debt Management Programs

Investing

Others

Property

Earlier Carnivals On Personal Finance:

Other posts that you may be interested in:

…

…

Career

Credit Card / Debt Management Programs

Frugal Living

Insurance

Investing

Make Money Online

Others

Property

Savings

Earlier Carnivals On Personal Finance:

Other posts that you may be interested in:

…

…

Career

Credit Card / Debt Management Programs

Frugal Living

Insurance

Investing

Make Money Online

Others

Property

Retirement

Savings

Earlier Carnivals On Personal Finance:

Other posts that you may be interested in:

…

…

Other posts about A (H1N1) Influenza:

Other Personal Finance posts that you may be interested in:

Collection of Articles on Personal Finance (Carnivals):

1. Check out the policy wordings of your medical & health insurance.

2. Call up your insurance company

3. Call up your insurance agent

4. Claiming when you’re abroad

Conclusion

Other Personal Finance posts that you may be interested in:

Collection of Articles on Personal Finance (Carnivals):

…

…

Personal Finance Pick Of The Week

Career

Credit Card / Debt Management Programs

Frugal Living

Insurance

Investing

Others

Property

Retirement

Savings

Earlier Carnivals On Personal Finance:

Other posts that you may be interested in:

…

…

Pick Of The Week

Career

Credit Card / Debt Management Programs

Frugal Living

Insurance

Investing

Property

Retirement

Savings