The 32nd Bankruptcy & Debt Carnival – We’re Back!

Welcome To The 32th Bankruptcy & Debt Carnival!

April 13th 2009

*Posts presented according to subject*

Bankruptcy

RateNerd presents Home Loans after Bankruptcy posted at Rate Nerd, saying, “Home loans and bankruptcy are two terms that generally don’t fit well together. The thing that you should know is that even if you have been through bankruptcy the hope of owning a home is not lost, you may just have to wait for a while to get the keys to your new home.”

The Smarter Wallet presents No Credit History? Here’s Why Building Credit Is Important posted at The Smarter Wallet, saying, “What happens if you’re bankrupt? Here’s how you can build credit.”

Credit Cards

apply4-credit presents Are Credit Card Protection Plans Worth the Money? posted at Apply4-Credit.

Silicon Valley Blogger presents Discover More Card Offers $50 Cash Back Bonus posted at The Digerati Life, saying, “Thanks!”

Insurance Toolbox presents New Credit Card Programs for Saving for College posted at Fine-Tuned Finances.

Debt

ChristianPF presents Reverse Mortgages: Advantages and Disadvantages posted at Money in the Bible | Christian Personal Finance Blog, saying, “Some of the advantages of Reverse Mortgages”

Debt Consolidation

Joe Mueller presents Getting Information On Debt Consolidation Loans posted at Debt Consolidation For Beginners, saying, “When considering debt consolidation loans it is of the utmost importance that consumers become fully aware of all the information concerning their loan that they can. Being uninformed is probably what got them into debt in the first place, so learning the skills to become financially aware is very important.”

Finance

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

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

Silver Investor presents The Obama Budget, Inflation, And Gold posted at Gold Investing Info, saying, “The Obama budget will give rise to record deficits and the corresponding debt may result in a fierce inflation.”

Ralph Jean-Paul presents Building Self-Discipline posted at Potential 2 Success, saying, “The most disciplined business people are usually the most organized, efficient and successful. They are also the people that make the most money. Learn to build self-discipline in your personal and professional life and see the difference it will make.”

George L Smyth presents One Minute How-To – How To File A Tax Extension posted at George L Smyth, saying, “Ryan Thompson explains how you can get an additional six months to file your taxes.”

Loans

Ernesto Maitim presents Swimming Pool Loans – Getting the Right One posted at Swimming Pools for You.

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

Patrick @ Cash Money Life presents Pertuity Direct Peer to Peer Lending Review posted at Cash Money Life, saying, “Consider a loan from Pertuity Direct P2P lending platform to consolidate your bills.”

Dan at Everydayfinance presents Mortgage Rate Record Again – How to Get the Best Deal posted at Everyday Finance, saying, “This article highlights how to get the best mortgage/refi deal and consider a net present value when comparing various options.”

Personal Finance

Michael Haltman presents Mark To Market Eased: Making A Silk Purse From A Sow’s Ear? Example Included posted at The Political and Financial Markets Commentator, saying, “These are complicated products that even the banks themselves, save for a few of the quants that created them, could either explain or describe. Products created with and about most every type of esoteric financial product available. Products with bid/ask spreads wide enough to drive a truck through. Products so illiquid that they may never trade and therefore can’t be priced yet that allow the firms selling them to make huge money on them. You get the gist.”

Diego Cervantes presents Top 50 Economics Blogs posted at Bankling.

John Russell presents 14 Auto Insurance Secrets – They Don posted at The Low Cost Auto Insurance Guru, saying, “Your Credit Score and Risk Is Important. Out of the 22 auto insurance companies we spoke with, 20 now consider your credit history as extremely important in determining your auto insurance rate. This number is up from 12 when we last spoke to the same auto insurance companies in May-2006. Although many factors influence your auto insurance rates, most of the auto insurance companies now consider it one of the most important factors they look at.”

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

Jack Schmidt presents Check Your Impulse Spending At the Door posted at SectorMatic Money Journal, saying, “Personal Finance – 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!”

kathryn presents Top Ways to Waste Money on Your Home posted at Out of Debt Christian, saying, “Most people are being money conscious these days. It may surprise you to discover that you are doing a few things through out your home that is about the same as burning that money that you may be working so hard to save.”

Shaun Connell presents Being Frugal is Just the First Step posted at Financial Planning, saying, “Your financial plan shouldn’t be just about coupons, cutting costs and finding great deals. Being frugal is just step one in personal financial planning.”

KCLau presents 5 Ways To Take Charge Of Our Finances posted at KCLau’s Money Tips, saying, “Are we doing the right things when it comes to managing our finances? Ask yourself five questions to know if you’re on the right track.”

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

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

Patrick @ Money Saving Deals presents TradeKing Offers up to $150 in Transfer Fees posted at Cash Money Life Deals, saying, “You can transfer your portfolio to TradeKing for free – up to $150 in transfer costs.”

Patrick @ Military Money presents Stimulus Plan Helps Military Members Who Lost Money Due to PCS posted at Military Finance Network, saying, “The new economic stimulus plan offers military members certain tax breaks if they were affected my the mortgage meltdown.”

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

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

Darwin presents $Million+ House for $10 Raffle – Don’t forget the Taxes! posted at Darwin’s Finance, saying, “This article considers the growing trend of “house raffles” whereby homeowners that can’t sell are raffling million dollar homes for as little as $10.”

Peak Personal Finance presents 3 Smart Personal Finance Tasks You Are Probably Putting Off posted at Peak Personal Finance.

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

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

Tiffany Colter presents Free Webinar coming, but until then? posted at Hidden Leaks, saying, “A good debt reduction plan includes saving money. How much are you saving, and how will you use the money? Get tips and learn to build a balanced plan with The Balanced Life. Plus, sign up for free webinars and get more money-saving ideas!”

jim presents TradeKing Review posted at Blueprint for Financial Prosperity.

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

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