07 Mar 09 Financial Crisis - Carnival 03

Welcome to the March 4, 2009 edition of financial crisis.

Andy presents Smart Money Mindset posted at Personal Hack, saying, “It shocks me how finances are one of the most neglected aspects in many people’s lives. Fortunately I grew up with a family that taught me how to manage my finances well from a young age. I also got my first job when I was 15 years old which I think helped make me more responsible with money.”

CreditCardAssist.com presents Credit Card Habits and the Recession posted at Credit Cards Blog | CreditCardAssist.com.

apply4-credit presents Bad Credit? Stop the Application posted at Apply4-Credit.

debt kid presents Why Budgets Don’t Work For Everyone posted at DebtKid.

Debt Free Destiny presents 3 Tips to Stablilize Your Finances posted at Debt Free Destiny.

Destroy Debt presents Are You One of the Lucky Ones with a Refund Coming Your Way? posted at Destroy Debt.

Shaun Connell presents 5 Principles for Getting Out of Debt posted at Financial Planning, saying, “Advice regarding getting out of debt is everywhere, and the signal-to-noise ratio leaves many dumbfounded. Where to start? You want to get out of debt, but the often-contradictory advice given leads many to paralysis and lack of motivation.”

kathryn presents The Importance of Shopping Local posted at Out of Debt Christian, saying, “Last night I went to a Shop Local rally in my community’s downtown district. Several business owners united to hold the rally in an attempt to make the public aware of just how important it is to shop local. That means buying things and spending money in stores that are locally owned.”

Tushar Mathur presents Investment expert offers 10 tips for surviving the recession posted at Everything Finance, saying, “Wade Slome has led an adventurous life. He started trading penny stocks in high school stock market competitions after the 1987 Crash. As a freshly minted MBA graduate from Cornell University in 1998, he never expected in his wildest dreams to land on one of the largest mutual funds in the entire United States of America. But at the age of 32 he was managing a $20 billion dollar fund at American Century Investments.”

CreditCardAssist.com presents To Close or Not to Close The Secured Credit Card Account posted at Credit Card Assist.

Shaun Connell presents How to Get an Online Savings Account posted at Financial Planning, saying, “Investing is risky. Just a few weeks ago a friend informed me that he lost over half of his life savings due to the financial crisis. He probably won’t get to retire for a few more decades.”

kathryn presents #1 Way to Save Big Bucks posted at Out of Debt Christian, saying, “The next round of holiday sales is just about upon us and I was telling my husband about a laptop I saw for a really great price. “But do we NEED another laptop?””

KCLau presents Money Tips Group Writing Project posted at KCLau’s Money Tips, saying, “Calling out to contributors for my e-book to contribute personal finance ideas.”

Brian McKay presents CD Rates posted at MonitorBankRates.com, saying, “Finding a decent rate on a certificate of deposit account these days isn’t an easy thing to do. CD rates have been coming down so fast recently the average 12 month CD rate is nearing just 2.00%.”

Qwoter.com presents Top 3 Successful Investing Factors - Stock Tips & Investment Advice - Qwoter posted at Stock Market College - Investment Advice & Stock Tips, saying, “Although there are many things an investor can do wrong in the markets, there are only a few things he or she can do right. We are all well aware of how important risk management, discipline, and a good investment method can be. Yet without a doubt, they are all useless in the hands of a trader who is psychologically inept or self-destructive. It is unfortunate that investors still believe in the myth that a better system will make them better investors.”

Matthew Paulson presents Protecting the Elderly From Telephone and Mail Fraud posted at American Consumer News.

Matthew Paulson presents The Cost of Clutter posted at American Consumer News.

Debt Freedom Fighter presents How Does the Debt Collection Process Work? posted at Discover Debt Freedom!.

Tushar Mathur presents Zecco: Free stock Trades ? posted at Everything Finance, saying, “For a while, Zecco had one great advantage over a lot of other online stock brokerages — the offer of free stock trades if you can handle a small requirement. Just open your online stock brokerage account with them for $2,500 and you would be entitled to 10 free stock trades per month.”

kathryn presents Get Your Taxes Done for Free! posted at Out of Debt Christian, saying, “Tax time is never fun. Even if you’re getting a refund, the hassle of organizing your paperwork and filling out those forms can be tedious. If you prefer to have someone do your taxes for you, here is a way to not only get them done for FREE, but get paid to get them done!”

Patricia Turner presents It’s Decision Time – Mortgage or Rent? posted at Construction Management Degrees.

Dave presents The Day The Economic Crisis Started - September 15, 2008 posted at Cheapo Groovo.

KCLau presents How to Refinance your Home Loans Smartly posted at KCLau’s Money Tips, saying, “Lists several reasons why home owners would benefit from switching their loans to a new loan with lower interest rates”

Qwoter.com presents Stock Market Investing Basics posted at Stock Tips, saying, “Before thinking about investing in the stock market you will want to first make sure to learn the stock market investing basics and not just simply jump in and start trading right away.”

Deposit Accounts presents What’s Your Long Term Savings Plan? posted at Deposit Accounts.

Shaun Connell presents Why You Shouldn’t Get a Short-Term Payday Loan posted at Short-Term Loans, saying, “The advertisements say how easy and convenient it is for anyone to get a loan. It looks simple, right? Well that simplicity comes with a hefty price tag and in the long run, isn’t worth it at all.”

Wenchypoo presents This Just In: Is Housing REALLY In a Downward Spiral? posted at Wisdom From Wenchypoo’s Mental Wastebasket, saying, “Some perspective on the housing downturn–we’re only about halfway through it, kids, before we hit the zero line…and wipe out about 15 years’ worth of equity with it. After we fall THROUGH the zero line, THEN we experience a housing collapse. Remember–nothing is lost until you sell!”

kathryn presents Using an Auction to Save Money posted at Out of Debt Christian, saying, “Many people think of auctions as the perfect place to get carried away and spend too much money for an item they could have lived without in the first place. Auctions can be a dangerous place but they can also be the best place to get the things that you need at the price that you want to pay.”

The Future

Stockaholic presents Nova Chemicals (TSE: NCX) – Bankruptcy, Or A Screaming Buy? posted at Traders Corner, saying, “Is Nova Chemicals looking at bankruptcy or a turn around?”

Raily Arena presents Sell Your Own Home - Despite the Lousy Economy posted at How to Sell Your Own Home.

Finance Tips 101 presents The Pros And Cons Of Personal Loans posted at Finance Tips 101.

ChristianPF presents Free STATE efile online posted at Money in the Bible | Christian Personal Finance Blog, saying, “I found 4 places to get a free state efile…”

Jon Chambers presents Blind Loyalty posted at The Mind Of Jon.

Raily Arena presents How to Sell Your Own Home during Economic Recession posted at How to Sell Your Own Home.

Phil B. presents China will have a Short-Term Recession posted at Phil for Humanity, saying, “As a result of China being the first country out of their recession, the price of raw materials and oil will dramatically increase when the rest of the world is still in their recession. Thus, this inflation will keep other countries in their recessions longer.”

Finance Tips 101 presents Answers About Home Equity Loans posted at Finance Tips 101.

Finance Tips 101 presents Alarming Identity Theft Statistics Are Cause For Concern posted at Finance Tips 101.

Brian McKay presents What’s in the Stimulus Bill for You? posted at MonitorBankRates.com, saying, “We have listed all the benefits for individuals in President Obama’s stimulus bill that was just passed.”

moonrain presents how to solve USA housing crisis posted at just a thought.

Carrie presents Asset Allocation posted at Less is More.

Raily Arena presents Sell Your Home in a Jiffy posted at How to Sell Your Own Home.

Ella Moss presents New Economy, or Buy American, Stupid! « Zodiac Times posted at Zodiac Times, saying, “So, the new stimulus package is passed, hopes are up, markets are down, and recession deepens. Everyone is blaming the housing market, unscrupulous bankers and inept previous administration.
But very few seem to understand the true roots of our woes, and how deep our economic problems go.”

Finance Tips 101 presents Why Take The Risk Of Day Trading posted at Finance Tips 101.

Dan DuRee presents Anecdotal Evidence on Why the Banking System is Functionally Insolvent posted at Info Cartel.

Finance Tips 101 presents Cash Back, Award Points, and Gas Cards posted at Finance Tips 101.

ChristianPF presents Personal Responsibility for your finances posted at Money in the Bible | Christian Personal Finance Blog, saying, “It’s time to take personal responsibility for our finances and not look to the Government for help!”

Torrey Brothers presents Avoiding Foreclosure posted at Stop Foreclosure Triad.

Silicon Valley Blogger presents 2009 Economic Stimulus Package: Obama’s Plan For Your Money? Tax Cuts and Spending posted at The Digerati Life, saying, “Thanks!”

The Smarter Wallet presents Will The Obama Economic Stimulus Check and 2009 Stimulus Plan Save The Economy? posted at The Smarter Wallet, saying, “Thanks!”

Joe Manausa presents First-Time Homebuyer Tax Credit | Tallahassee Real Estate Blog posted at Tallahassee Real Estate Blog, saying, “In case you did not hear the good news, the American Recovery And Reinvestment Act of 2009 (which President Obama signed into law last week) included significant improvements to the temporary First-Time Homebuyer Tax Credit. While many might view this as a great benefit aimed only at the first-time homebuyer, the reality is that it will help stabilize the housing market by bringing more buyers into an inventory-laden problem in need of more demand.”

Bill Spohnholtz presents Squash the Gold Bug posted at Learn The Stock Market And How to Trade, saying, “If you’re as nervous as me about the economy you’ve probably considered buying your money in the backyard and sitting on it with your gun. Everyone on the radio or TV is telling you that you need to buy gold to shore up your investments, but I’m not so sure that’s your best bet either.”

The Past

David Gross presents Thoreau, on the economic panic posted at The Picket Line, saying, “The merchants and company have long laughed at transcendentalism, higher laws, etc., crying, “None of your moonshine,” as if they were anchored to something not only definite, but sure and permanent. If there was any institution which was presumed to rest on a solid and secure basis, and more than any other represented this boasted common sense, prudence, and practical talent, it was the bank; and now those very banks are found to be mere reeds shaken by the wind. Scarcely one in the land has kept its promise.”

Finance Tips 101 presents Scholarship And Grant Information For Interested High School Graduates posted at Finance Tips 101.

Colin Robertson presents What Caused the Mortgage Crisis? posted at Mortgage Tips and Credit Help.

The Present

David presents The Basics of Interest: Part 1 posted at Personal Finance Ology, saying, “Learn everything that you need to know about interest rates before you sign on the dotted line.”

sasori presents Desire to Be Debt Free? Heres How! posted at Cash to Spend.

Insurance Toolbox presents How to Make Sure that Your Savings is FDIC Insured. posted at Fine-Tuned Finances.

Madeleine Begun Kane presents Hey Republicans, Go Filibuster Yourselves! posted at Mad Kane’s Political Madness.

Roshawn Watson presents Lame Defense for $18.4 Billion in Wall Street Bonuses posted at Watson Inc, saying, “It is tremendously disappointing to hear of companies taking bailout funds and then using our money to pay for bonuses. After all, where is the bailout for the typical American worker whose tax dollars are being used to support these bonuses? Even without a bonus, the average Wall Street worker still makes 3-4 times what the average American makes, yet in the midst of a deep recession, Wall Street employees are taking home a whopping $18.4 billion in bonuses.”

Raily Arena presents Finding Online Work That Pays posted at Make Money Easy Online.

Mr Credit Card presents Credit Restoration Brokers - An Interview With Sam Sky posted at Ask Mr Credit Card, saying, “This an interview with a debt consolidation and negotiation company, Many folks will find useful information from this interview.”

Aetius Romulous presents The Hunt For The Guilty posted at ScreamBucket.

Nesher presents Internet Stock Trading for Beginners: 13 Advises for Bear Market Players posted at Internet Stock Trading for Beginners.

keevisr presents Loan Info Central posted at Loan Info Central, saying, “Many people believe that once they file for bankruptcy they will have a difficult time getting a mortgage loan. However, there is still hope for being approved even with a recent bankruptcy.”

Raily Arena presents Make Money Online with a Scrapbooking Business posted at Make Money Easy Online.

MoneyNing presents 7 Facts You May Not Know About the TARP Capital Purchase Program posted at Money Ning, saying, “TARP TARP TARP. Does it really help the economy? I think not!”

Raily Arena presents Tips That Will Get Your Home Sold Quicker posted at How to Sell Your Own Home.

The Investor presents The recession is not a lifestyle choice posted at Monevator.com, saying, “In a strange echo of the frivolous attitude that stoked up the debt bubble in the first place, much of the media seems to see the recession as a new ’story’, just as they’d salute skirts going back above the knee or the return of cashmere.”

Estelle T. Dunomes presents Instant Cash Affiliate Programs - Help in Desperate Times! posted at Instant Cash Affiliate Programs, saying, “The economy sucks right now but you and your family don’t have to be sucked into this abysmal situation. Although “desperate times” call for “desperate measures”, earning money instantly can hardly be called desperate. Actually, “fun” is more the word to think of when instant cash payments appear in your verified business or premier PayPal account. Find out how you can start these payments rolling in by checking out Instant Cash Affiliate Programs and Instant Commission Affiliate Programs. Cash in hand is far more spendable than future promises!”

Nate presents Can You Qualify for a Car Loan? posted at Car Loan Tips, saying, “The pros and cons of investing in art.”

Raily Arena presents DIY Home Selling Tips: No Need for Realtors Guaranteed posted at How to Sell Your Own Home.

Yolanda presents Redefined Economy: The Birth of Savvy Luxe Shopper Market posted at Fashion Steals.

Mark Smith presents Close Your Home Sale Without Trouble - Vox posted at how to sell your own home’s blog.

Jeonard Cook presents how to sell your own home - Be A Master Negotiator When Selling Your Home posted at how to sell your own home.

presents Legalize Your Home Sale Transaction before It Goes Bust! posted at how to sell your own home.

Raily Arena presents Four Home Staging Mistakes of Neglect You Need to Avoid posted at How to Sell Your Own Home.

Brian McKay presents Savings Account posted at MonitorBankRates.com, saying, “Finding a decent rate on a savings account isn’t an easy thing to do these days. Savings account rates have been decreasing for over a year now, falling as fast as the economy”

Raily Arena presents It Pays to Inspire: How to Be Everyone’s Favorite Legitimate Online Coach « Make Money Easy Online posted at Make Money Easy Online.

The Investor presents How the bear market hit the high yield portfolio posted at Monevator.com, saying, “Income portfolios have been hit hard by the market crash due to their preponderance of banks.”

Kathryn presents 15 Good Things That Have Come Out Of The Bad Economy posted at Kathryn Vercillo on HubPages, saying, “How to Stay Positive in spite of this mess we’re in!”

Jarkko Aho presents Buying behaviour in recession posted at Fake Money Blog, saying, “Any business should focus to current climate. Only if daily operations are viable there are good chances for surviving in the future. Financial crisis has turned into recession. How companies must change the way of selling in this climate?”

Joe Manausa presents A Small But Significant Shift In The Housing Market posted at Really Better Real Estate, saying, “One key trend to pay attention to in any local real estate market is the movement of the sales success trend. What this measures is the total number of home sold divided by the total of homes listed (put on the market) during the same period of time.”

Steve Faber presents Debt Free- Top 10 Part Time Evening Jobs - The New Way to Pay for Your Rising Mortgage and Gas Bills? posted at DebtBlog.

Adam presents Macro Market Analysis: Why We’re Here and Where We’re Going posted at Pimp My Trade, saying, “An article detailing the current debt crisis and how it relates to trading the stock market. Takes a look at past crises and offers an outlook for where we go from here.”

Abigail Perry presents Everything’s amazing and nobody’s happy posted at i pick up pennies, saying, “We’re all acting like Chicken Little. But are things really so bad? Well… yes and no.”

Peter Jones presents Two Books on Money for These Tough Economic and Financial Times posted at Great New Books that Are a Must Read.

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

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