The 46th Bankruptcy & Debt Carnival- Links Online!

Welcome To The 46th Bankruptcy & Debt Carnival!

July 20th 2009

*Posts presented according to subject*

Bankruptcy

Chris presents Lost your job, can’t pay the mortgage? Act early and save the house! posted at Home I Own, saying, “How to avoid bankruptcy by acting and acting early”

Silicon Valley Blogger presents Your Free Credit Score: Is There Such A Thing? posted at The Digerati Life, saying, “Thanks!”

oneadvice presents Bankruptcy Advice Guide posted at One Advice, saying, “If you are considering bankruptcy then it makes sense that you would seek out as much bankruptcy advice as possible before you take the plunge. This Bankruptcy Advice Guide is just the beginning….”

Ky presents Mortgage Driven Bankruptcy Filings against the Backdrop of an Amended Bankruptcy Code posted at washington home equity loans, saying, “”…Bankruptcy used to be the stigma laden option for consumers who were simply too deep in debt to find a way out. In the past Chapter 7 filings could lighten the debt load for filers by simply doing away with credit card bills and other unsecured loans. In some cases…”"

Damon Day presents The Difference between Chapter 7 and Chapter 13 Bankruptcy posted at Damon Day.

Credit Cards

apply4-credit presents Benefits of Getting a Credit Card Online posted at Apply4-Credit.

Mr Credit Card presents Imagine Credit Card Review posted at Ask Mr Credit Card.

jim presents » List of Cards with 0% Balance Transfer Offers for 12 Months on Blueprint for Financial Prosperity posted at Blueprint for Financial Prosperity.

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

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

Patrick @ Cash Money Life presents Pros and Cons of Secured Credit Cards posted at Cash Money Life, saying, “Secured credit cards are a great way for people with no credit or bad credit to establish or improve their credit history and credit score.”

Debt

debt kid presents Why You Need an Emergency Fund posted at DebtKid.

Debt Freedom Fighter presents Debt Collection Rules Under the Fair Debt Collection Practices Act posted at Discover Debt Freedom!.

Brian McKay presents Student Loan Repayments Linked to Income posted at MonitorBankRates.com, saying, “Starting July 1st, 2009, student loan repayments will be limited to 15 percent of a borrower’s discretionary income or 15 percent of the amount that a borrower’s (and spouse’s if applicable) adjusted gross income exceeds 150 percent of the poverty line, divided by 12.”

Patrick @ Cash Money Life presents Secret Credit Scores posted at Cash Money Life, saying, “most people are aware of the FICO Credit score, but there are 8 other credit scores that financial companies can use when determining to extend credit to you.”

Seth Comire presents Step 1 To Pay off Debt: Know Your Net Worth posted at Penny For Your Debt, saying, “Step 1 in a series on lowering debt and increasing savings.”

Jeff Rose presents Take Your Own Personal Stress Test posted at Jeff Rose, saying, “Does debt have you stressed out? Try taking this financial stress test.”

CreditCardAssist.com presents Detecting Bad Offers Especially if You Have Bad Credit posted at Credit Card Assist.

Jack Schmidt presents 3 Credit Cards That Could Change Your Life posted at SectorMatic Money Journal, saying, “SectorMatic Money Site – 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. It’s for you!”

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

Finance

The Smarter Wallet presents Practical Investment Advice For The Stock Investor posted at The Smarter Wallet, saying, “Thanks!”

Master Your Card presents Is Credit Card Debt Consolidation the Right Move? | Debt Loans posted at Debt Loans, saying, “The TV commercials and magazines for credit card consolidation are borderline mesmerizing. * “Debt relief is just a phone call away!” * “Stop paying your debts today!” * “Erase your high interest rate! Call now” Every year, millions are lured in with high hopes. And it’s easy to understand why.”

Master Your Card presents 10 Ways to Reduce Your Life Insurance Premium | Debt Loans posted at Debt Loans, saying, “Although the importance of life insurance cannot be overstated, its price tag can quickly obscure the value of holding a sound policy. As a result, many individuals altogether forego life insurance or, perhaps equally as ill-advised, purchase a policy from a less than reputable company.”

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

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

Martha Jackson presents 25 Social Media Sites for Financial Professionals posted at Online Accounting Colleges.

Carlos Sera presents An Unexpected Tale – Teach Your Children Well posted at Financial Tales, saying, “As a young boy I was blessed to know and learn from my Uncle Segundo or Tio Segundo as I knew him. He like so many other relatives came to live with my family for a short time as they fled their beloved Cuba to make a new home in the welcoming arms of the United States. Tio Segundo was like many Cuban exiles. He came to this country in his late 40’s by himself, penniless and left behind everything that he knew and cherished. In Cuba he was an intellectual, a philosopher, a consultant to Presidents, a lawyer and the Mayor of Holgin, the second largest city in Cuba. This tale teaches us that the unexpected happens and that you must prepare.”

Darwin presents Minimum Wage Increase Coming – Is it Right? posted at Darwin’s Finance, saying, “With the federal miniumum wage set to increase later this month in the midst of a recession, this article questions the impact, pros and cons of the minimum wage and whether it should even exist.”

Loans

Dan at Everydayfinance presents How to Get a Mortgage Rate Under 4% posted at Everyday Finance, saying, “This article highlights means by which home buyers can attain a sub-4% mortgage rate by playing their cards right.”

Tom Drake presents The Basics Of The Smith Manoeuvre posted at The Canadian Finance Blog, saying, “The Smith Manoeuvre’s basic premise is to make your mortgage tax deductible in Canada, but it can do so much more for your personal finances than just that.”

Personal Finance

MatthewPaulson presents Advantages of Using Credit Unions posted at Fine-Tuned Finances.

Jack Schmidt presents Love Notes to the Trade posted at SectorMatic Money Journal, saying, “SectorMatic Money Site – 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. It’s for you!”

Raj Patel presents The Fundamental Shift of Consumers posted at DebtGoal.

Bank Savings Review presents Highest CD Rates – July 2009 posted at Bank Savings Review, saying, “These CDs have the most reliable and highest rates.”

nickel presents Credit Score – Good? or Good Enough? posted at fivecentnickel.com.

Smart Unemployment presents Individual Health Insurance: How To Lower Your Premiums In Three Steps posted at Smart Unemployment, saying, “Here are three great ways to lower the cost of your health insurance premium without changing your level of coverage.”

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

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

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

ChristianPF presents How much money do Americans save? posted at Money in the Bible | Christian Personal Finance Blog, saying, “Curious how much Americans are saving? It is increasing, but nowhere near where it used to be…”

Patrick @ Money Saving Deals presents Free Gamefly Trial posted at Cash Money Life, saying, “GameFly is offering new customers a free trial to their online video rental service. Gamefly is the “Netflix of video games” and offers video game rentals with no shipping costs and no late fees.”

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

Ray @ Financial Highway presents Tax Free Savings Account (TFSA) Ideas posted at Financial Highway, saying, “How to use the TFSA”

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