Bankruptcy & Debt Carnival #30- March 30th 2009- Now Online!

Welcome To The 30th Bankruptcy & Debt Carnival!

March 30th 2009

*Posts presented according to subject*

We’re Back – FINALLY! The technical problems seem to have been fixed..this is a big carnival because we need to catch up – so here we go -  Thanks Submitters!

Bankruptcy

Rick Adams presents Steps To Improve Credit posted at Credit Repair.

BankMan presents How the FDIC Takes Over Banks posted at High Yield Savings Accounts, saying, “Watch as the FDIC takes over a bank. Thankfully that means your money is safe!”

Credit Cards

apply4-credit presents Should I Pay Only The Minimums on my Credit Cards? posted at Apply4-Credit.

CreditCardAssist.com presents Digging Out of Debt – Credit Cards First posted at Credit Card Assist.

Mert Erkal presents Credit Card Debt Settlement: Your Options | Hugepedia.com posted at Hugepedia.com.

Dave presents Credit Card Profiling posted at Cheapo Groovo.

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

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

Mr Credit Card presents Citi Forward Card Review posted at Ask Mr Credit Card.

Debt

Shaun Connell presents Why You Shouldn’t Get a Short-Term Payday Loan posted at Short-Term Loans, saying, “Today’s struggling economy has had a huge impact on personal finances around the world. People are having a tough time figuring out how to pay their bills, pay off their accumulated debt, and maintain a stable financial situation for themselves.”

nickel presents Debt Reduction vs. Retirement Savings posted at fivecentnickel.com.

Diego Cervantes presents What’s a Guy Gotta Do to Get Fired? A Rant on AIG Bonuses posted at Bankling.

Jack Schmidt presents Free Land in the Land of the Free posted at SectorMatic Money Journal, saying, “Everything for the Big Spender on a Budget! Now you can live like a fat cat, even if you’re on a money diet. Laugh all the way to the bank with Jack Schmidt and SectorMatic Money Journal. SectorMatic – it’s for you!”

kathryn presents The Relationship Between Clutter and Money posted at Out of Debt Christian, saying, “Think your clutter isn’t costing you? Think again! It’s not just about being messy or unorganized. Clutter can cost you time and money. There’s no better time than spring to start cleaning up the mess and clearing out the junk. Need motivation? Keep reading to learn about some of the costly affects of clutter.”

Destroy Debt presents Get Out of Debt Scams posted at Destroy Debt.

Leave Debt Behind presents What is Debt Settlement and How Does it Work? posted at Leave Debt Behind.

Michael Haltman presents Pop The Economic Pimple While The Cancer Runs Wild posted at The Political and Financial Markets Commentator, saying, “I find the bonuses paid to the AIG executives and financial “geniuses” that created and sold the products that has helped to bring the economy of the United States and the world to its knees to be abhorrent and bordering on the immoral. If there is a way to abrogate them within the boundaries of contract law, then it must be done! But that is not the point of this post. That said, let’s move on.”

Destroy Debt presents The Part Time Job Method of Increasing Your Income posted at Destroy Debt.

marjorie presents The Priority of Personal Debts posted at Wealth Junkies, saying, “A debt repayment plan is a must-have if you’re working on paying off multiple accounts. For most people, one of the simplest approaches is a debt snowball: you pay the minimum amount on all of your accounts, except the one with the highest interest rate. You throw as much money towards that one as possible, until it’s paid off. Then you move on to the next one. But sometimes, paying off your debt with the highest interest rate isn’t your priority. If you’ve borrowed money from a friend or family member, it might be worth reordering your priorities.”

Insurance Toolbox presents How to Get a Mortgage with a Great Interest Rate in 2009 posted at Fine-Tuned Finances.

ishanbansal presents Get Out of Debt: 5 Simple Steps posted at Save Few Bucks, saying, “This article explains 5 simple steps to Get out of Debt. Thanks for taking out time to review this.”

Debt Consolidation

Leave Debt Behind presents Working with a Non Profit Debt Consolidation Company posted at Leave Debt Behind.

Joe Mueller presents Are Debt Consolidation Loans Good For The Long Term? posted at Debt Consolidation For Beginners, saying, “The long term viability of debt consolidation loans depends entirely on the circumstances that individuals find themselves in. If they don’t have a serious cash flow problem then they are probably best served taking another course of action, but if they do have cash flow issues than a debt consolidation loan is probably going to have long term benefits.”

RateNerd presents Debt Consolidation Frequently Asked Questions (FAQs) posted at Rate Nerd, saying, “Consolidating your debts can ease your cash flow and lower your monthly payments, but you still need to pay off the loans. Read on to make sure you get a fair interest rate and aren’t locked into something like a pre-payment penalty.”

Finance

KCLau presents Save money the stupid way posted at KCLau’s Money Tips, saying, “Simple ways to save money”

Abigail Perry presents Should our economy fail? posted at i pick up pennies, saying, “Is this recession just the a function of the prosperity of the sub-prime period? Given that our economy only seems to “boom” when we are outspending our resources, should we try to build it up to where it can prosper when we’re being more rational about money?”

Credit Answers presents Can You Lower Your Property Tax posted at Best Debt Settlement Companies – Credit Answers, saying, “rapidly declining prices of homes, the housing market is now undervalued.”

Tyrone Solee presents Vulture Funds On Hunt for Distressed Investments posted at Millionaire Acts, saying, “explains what are vulture funds and distressed debt investment scenario in the Philippines.”

Finance Tips 101 presents Discover How To Pay Off Debt posted at Finance Tips 101.

Livingalmostlarge presents Car Payments? posted at LivingAlmostLarge, saying, “How much did you finance your car for? Here’s a peak..”

dmh presents Lending Club $25 Promotion Code posted at Daily Money Hack.

jim presents Best Student Credit Cards posted at Blueprint for Financial Prosperity.

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

Brian McKay presents Trillions Lost in Household Wealth posted at MonitorBankRates.com, saying, “No wonder we are in the worst economic recession of the past 50 years – probably the worst recession in our generation”

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

Silicon Valley Blogger presents HSBC Direct Online Savings Account Review: With Free ATM Bank Card posted at The Digerati Life, saying, “Thanks!”

The Smarter Wallet presents Trading The Market: What Market Trends Are Stock Traders Riding On Recently? posted at The Smarter Wallet, saying, “Thanks!”

Bank Champ presents High Yield Reward Checking Accounts posted at Bank Champ.

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

Loans

Insurance Toolbox presents How to Refinance Your Home If You Have Bad Credit or Own a Small Business posted at Fine-Tuned Finances.

Patrick @ Cash Money Life presents Pertuity Direct Peer to Peer Lending Review posted at Cash Money Life, saying, “Pertuity Direct is a new Peer to Peer Lending company that offers borrowers quick access to personal loans.”

D.J Raymond presents Understanding The Loan Modification Process posted at Money Management For Life, saying, “Loan Modifications are very popular but spend some time Understanding The Loan Modification Process”

Darwin presents Is it Ethical to Re-Lock your Mortgage Deal when Rates Drop? posted at Darwin’s Finance, saying, “With mortgage rates dropping to historic lows, it begs the question as to whether it’s ethical to renegotiate your lock or leave your lender altogether for a new rate. *I link back to all accepted submissions as fyi, thanks!”

Personal Finance

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

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

Jacquelyn presents Moneymaking Ideas For You posted at WParent.com – Wise Parenting Guide, saying, “Are you looking for a job to do part time or full time or you just want another source of income? Are you searching for moneymaking opportunities or ideas? Check out the great ideas found in this article.”

Patrick @ Military Money presents 2009 Economic Stimulus – What it Means to You posted at Military Finance Network, saying, “What you need to know about the new stimulus plan passed by the Obama Administration.”

Patrick @ Money Saving Deals presents TradeKing Offers up to $150 in Transfer Fees posted at Cash Money Life Deals, saying, “TradeKing will reimburse new customers up to $150 in transfer fees when they open a new account.”

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

Michael Miles presents Double your income doing what you love – book review posted at Effortless Abundance.

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

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

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

The Investor presents The number one money maker for 99 per cent of people posted at Monevator.com, saying, “It sounds obvious, but don’t forget your salary in your quest to boost your finances.”

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

Ben Dinsmore presents Motivation and Your Financial Plan posted at Trees Full of Money, saying, “If you think about it, starting a budget is really no different than starting a new diet and exercise routine. After a few weeks, the results that we were hoping for never materialize, and eventually we end up back where we started (or worse).”

retirehappy presents You Can’t Borrow From An IRA posted at My Retirement Blog.

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

jim presents Guide to Social Lending Networks posted at Blueprint for Financial Prosperity.

Abigail Perry presents Are we too optimistic? posted at i pick up pennies, saying, “Even the most logical among us can fall prey to a dangerous kind of optimism. We inherently believe things will get better, and we plan accordingly.”

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