Welcome to the May 6, 2009 edition of financial crisis.

cody butler presents What Is A Traditional IRA posted at Investment-For-Beginners Blog, saying, “What is a traditional IRA and who is it for?”

ifvat presents The Beginner’s Guide to Stock Market Investing Risk Tolerance posted at ifvat, saying, “Knowing your risk tolerance will help you establish an investment style and help you feel confident when you and your broker make investment decisions. Even though there are multiple investment types, there are really only three specific investment styles - and those styles are directly related to your personal risk tolerance. Those styles are commonly known as moderate, conservative and aggressive.”

etrades presents Basic Guidelines On Investing In Penny Stock That Matters posted at eTrades, saying, “Penny stock tips - Learn, learn, and learn. Your assumption must also include the risk of investment loss whether in part or in whole. Research and analyze the trends. Know the best stocks available. Knowing all these things may still not be enough. The stock market is a very fast paced business environment. You must be extremely alert if possible if you decide on investing in penny stock trading. Discover how successful people go about penny stock investing. Study more basic guidelines on investing in penny stocks!”

ifvat presents How To Pick Stocks And Mutual Funds posted at ifvat, saying, “Anytime you buy stocks what you want to consider first is whether the underlying value is worth the price. Ignoring this one important piece, may very well cause your portfolio to spiral downward.”

John Russell presents 14 Auto Insurance Secrets - They Don posted at The Low Cost Auto Insurance Guru, saying, “If your car is ”

etrades presents Option Trading Gives You Better Returns posted at eTrades, saying, “In option trading you pay a premium to give you the right to buy or sell some shares in the future. You can then buy or sell those shares within the time specified at the price decided. You are obliged to make the purchase or sale within the specified time or risk the forfeiture of the premium paid.”

Deposit Accounts presents Extra Paychecks for People Paid Weekly or Bi Weekly posted at Deposit Accounts.

Tushar Mathur presents Health Savings Accounts explained posted at Everything Finance, saying, “One thing is certain with healthcare: premiums continue to climb higher. As a result, more employees may find that health-savings accounts (HSA) have been added to their benefits packets this year, in some cases replacing HMO and PPO offerings.”

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.”

apply4-credit presents How to Find the Best Credit Card Offers for You posted at Apply4-Credit.

Debt Free Destiny presents 30 Day No Spend Challenge posted at Debt Free Destiny.

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.”

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.”

cody butler presents How Do Mutual Funds work? posted at Investment-For-Beginners Blog, saying, “A basic overview of the way in which mutal funds work and who they are for.”

Handy Saputra presents How Does A Home Mortgage Loan Work? posted at Home Loan and Mortgage Info, saying, “A mortgage is commonly obtained by a home owner who has an outstanding debt or is getting a loan out from a bank or other government operate establishment. The mortgage transfers the interest of the property as a form of collateral to the lender. The home owner will then have a set stop of time in which they must pay back the overall of the borrowed money. If they fail to pay back the money they will end trailing their mortgaged property and assets!”

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.”

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.”

stephen todd presents Currency Market - Online Currency Trading posted at Currency Trading, saying, “Currency Market - Online Currency Trading: Would you believe that currency trading is the biggest business in the world? Over three trillion dollars worth of transactions take place everyday in the currency market and online currency trading is now available to everyone. The market is fast and extremely volatile where literally fortunes can be made in the twinkling of an eye.”

DanTierney presents Bailing out who? posted at Make me money.

David Lamb presents How the ARRA Should Have Looked posted at Killer Buffalo.

Billeater presents Avoid Debt Reduction Scams posted at Billeater.

Jack Schmidt presents Blog Carnival - Submit an Article to a Carnival 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. It’s for you!”

Debt Freedom Fighter presents Looking for a Way to Repair a Bad Credit Score posted at Discover Debt Freedom!.

Debt Free Destiny presents 7 Basic Reminders to Help You Handle Your Personal Finances Successfully posted at Debt Free Destiny.

Shaun Connell presents The Case for Buying Gold posted at Financial Planning, saying, “Buying gold is a polarizing investment. I know several people who are putting all of their current investments into gold out of fear of runaway inflation in the next few years. Others are scoffing at the idea, and think this is the perfect time to buy stocks, not metal.”

Tushar Mathur presents Getting finances in order posted at Everything Finance, saying, “Keeping organized records is a gift to your family and to yourself. It helps ensure that your wishes are followed, that your assets are accounted for, and that your money is available to meet your family’s needs in a timely fashion.”

Barry presents Bullish Days Ahead But Bear Is Lying In Wait For The Kill posted at Jeflin’s Investment Blog.

Madeleine Begun Kane presents Republican Road To Remedial Math posted at Mad Kane’s Political Madness.

cody butler presents What Is Forex Trading? posted at Investment-For-Beginners Blog, saying, “Article on the basics of Forex trading.”

Stanley Samuel presents Take a look under that TARP posted at Wall & Main.

DanTierney presents New bubbles posted at Make me money.

Britannica Blog presents Do Americans Support Capitalism, and Which Capitalism? posted at Britannica Blog, saying, “I’m being asked to participate in a debate on whether America’s economic system should remain capitalist or embrace socialism.”

kathryn presents Free Money from the Government posted at Out of Debt Christian, saying, “The government is offering free money to new home buyers that have not owned a home in the last three years. The American Recovery and Reinvestment Act of 2009 provides up to $8000 in a tax credit to anyone that qualifies for the program. The amount received is determined by the value of the home (10 %) that is purchased.”

KCLau presents Learning to be Happy with Less posted at KCLau’s Money Tips, saying, “How u can be happy with less material things”

John Russell presents 14 Auto Insurance Savings Secrets - Part-1 of 14 posted at The Low Cost Auto Insurance Guru, saying, “If you knew how this industry actually works, it would save you thousands of dollars each year on auto insurance. Want to know the secrets behind the premiums you pay? Exactly what is the ”

Jack Schmidt presents Here’s the “Naked Truth” About Money 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 Site. It’s for you!”

CreditCardAssist.com presents Balance Chasing - is it Happening to You? posted at Credit Card Assist.

Leave Debt Behind presents Top 5 Ways to Get out of Debt posted at Leave Debt Behind.

John Harding presents The Welcome Death of Globalism | Getting at the truth posted at Getting at the Truth, saying, “Just about the whole world has been wrongly in favor of globalization - at least the people who count, including Barack Obama.”

Debt Freedom Fighter presents Simple and Easy Methods to Reduce Your Debt Significantly posted at Discover Debt Freedom!.

Handy Saputra presents Bankruptcy Repair Strategy That Will Improve Your Credit Score posted at Home Loan and Mortgage Info, saying, “Today, filing bankruptcy is not an uncommon thing to hear and the stigma towards bankruptcy is not that severe. Bankruptcy is filed in the bankruptcy court when the individual who owes a great deal of money to one or more of his creditors is unable to pay it back. The debtor declares the court that he has exhausted all sources available to the debt fully. It can be an individual or a business who can approach the bankruptcy court and in some cases creditors too can file bankruptcy case against their debtors in order to salvage as much as possible towards the money owed.”

Handy Saputra presents Questions You should Ask when Buying a New Home posted at Home Loan and Mortgage Info, saying, “Buying a new home can be a very exciting time in a persons life. There are many considerations one should be aware of before taking the plunge into new homeownership. Before you make this huge life investment, you should ask yourself the following questions: Can I afford a new home?”

Finance Tips 101 presents Scholarships Come In All Shapes And Sizes posted at Finance Tips 101.

kathryn presents Treat Yourself to a Free (Or Cheap!) Treat posted at Out of Debt Christian, saying, “Economy got you down? Pay a huge tax bill last week? Or just feeling the need for a special treat? This is your week! Here are three great free (or super cheap) treats to take advantage of…”

Mark Aucamp presents Credit crunch means talking about money and the lack of it posted at Money Saving Tips, Consumer Finance, Expert, Advice and Help | Talk Money Blog, saying, “It’s not difficult to get involved with the debate about the credit crunch and the current national and global recession. Gordon Brown the Prime Minister is the ex-Chancellor of the Exchequer and he is well remembered for his continuous chanting of the word ‘prudent’ whenever he was delivering his budget speech. In fact some sad person would actually count how many times he said it while delivering his budget each year. He also regularly informed us he would steer Britain on a prudent course and would not allow ‘Boom and Bust’ on his watch. Well guess what we got a BIG BUST now!”

John Russell presents In An Accident? Don posted at The Low Cost Auto Insurance Guru, saying, “You pay your premiums, but when your car is damaged, you balk because you fear a claim will mean higher insurance rates. Here”

KCLau presents Bad Experience of Car Insurance Claim posted at KCLau’s Money Tips, saying, “a story of bad experience with vehicle insurance claim”

Stanley Samuel presents Understanding the PPIP posted at Wall & Main.

Debt Freedom Fighter presents Features That Indicate a Good Credit Repair Program posted at Discover Debt Freedom!.

Savings Toolbox presents Squeezing More Savings Out Of Your Budget posted at Savings Toolbox.

apply4-credit presents New to Credit Cards? Here is What You Should Know posted at Apply4-Credit.

Tushar Mathur presents How to choose a financial planner posted at Everything Finance, saying, “There’s retirement to plan for and college tuition for the kids. Insurance. Estate planning. And, oh, don’t forget a wedding for your daughter. If all this sounds familiar, it may be time for you to start shopping around for a financial planner.”

Finance Tips 101 presents What You Need to Know about Academic Scholarships posted at Finance Tips 101.

C. E. Dowalt presents Jimmy Obama posted at Money Confidential.

Handy Saputra presents How Mortgage Rates Calculators Help When Buying a Home posted at Home Loan | Mortgage Resources, saying, “Are you having a hard time deciding if you should buy a house or not? One of the things a potential homebuyer considers before getting a housing loan is whether they can afford the mortgage payment or not.”

Jack Schmidt presents 10 Really Fun Things You Can Do Today on the Cheap 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 moeny diet. Laugh all the way to the bank with Jack Schmidt and SectorMatic Money Journal. It’s for you!”

Jack Schmidt presents How To Pick A Profitable Mutual Fund 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 SecorMatic Money Journal. It’s for you!”

kathryn presents Stretch the Budget for a Family Vacation posted at Out of Debt Christian, saying, “Expenses are tight and most people are looking at cutting the family vacation to help make ends meet. Vacations can be very expensive, but with a little planning, a lot of research and some creativity the family vacation can also be very affordable.”

cody butler presents 3 Steps To Financial Freedom posted at Dream Life Coaching Blog. Ask your questions., saying, “If you wish to be financially free, then you must start your own business, here are three steps to do that.”

Destroy Debt presents My Credit Limit Got Lowered Below My Outstanding Balance posted at Destroy Debt.

KCLau presents Do You Have a Wedding Debt? posted at KCLau’s Money Tips, saying, “Most couples want to begin their married life auspiciously and free from the problems. However, it is not uncommon to hear about married couples who go into debt just to get married. Article explores the reasons.”

Stanley Samuel presents Stressing out the banks posted at Wall & Main.

Dave presents What Does Well in a Bad Economy? posted at Cheapo Groovo.

Jack Schmidt presents Sign of the Times: “Going Out Of Business - Eat Fast!” 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. It’s for you!”

Jack Schmidt presents Starting Young: Teaching Teens to Save Money 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. It’s for you!”

Ben presents Credit Card Scammers posted at Money Smart Life.

Debt Free Destiny presents Cut These 7 Things Out of Your Life Now and Save Big posted at Debt Free Destiny.

Handy Saputra presents Beware Of We Buy Houses Scams posted at Home Loan | Mortgage Resources, saying, “You’ve seen the signs on the highway, We Buy Houses, fast sale, cash, etc. Real Estate investing has spawned yet another scam niche, only this time they’re not selling a get rich quick scheme, no this time they want your house.”

apply4-credit presents Banks Performing Well: Consider Getting a Loan From Them posted at Apply4-Credit.

MatthewPaulson presents Focus on Bigger Savings First posted at Fine-Tuned Finances.

Savings Toolbox presents How You Can Make Retirement the Best Time of Your Life posted at Savings Toolbox.

Jack Schmidt presents Home Improvement Loans - Transforming Brick and Mortar 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 Scmidt and SectorMatic. It’s for you!”

kathryn presents Stimulus Plan Leads to Stimulus Scams posted at Out of Debt Christian, saying, “The Federal government is sending out warnings regarding stimulus scams. Here’s how they work: an email, online ad or website tells you you’re eligible to get economic stimulus money. Then they require you to submit a form in order to get it. They may ask for a small processing fee in order to get your money to you faster. Others may ask for personal information like bank account information so they can directly deposit your check. They will then take that information to wipe out your account or open fraudulent accounts.”

The Future

Gavin R. Putland presents Employment tax credits: the ‘marginal’ approach to full employment posted at On Line Opinion.

Dana presents Diversification, Long-Term Horizon, Buy and Hold: Still Relevant? posted at Investoralist, saying, “Facing unprecedented market carnage, do old investment adages such as diversification, long-term horizon and buy and hold, still apply today?”

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.”

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.”

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.”

Fine Tuned Finances presents Want to Start Your Own Business? Watch CNBC’s “The Entrepreneurs” posted at Fine-Tuned Finances.

The Budgeter presents Four Steps To Create A Guilt-Free Budget posted at Keep Your Cash, saying, “A brief rundown on how to create a guilt-free budget”

Paul Piotrowski presents The Importance of Saving Money posted at Inspired Money Maker.

MoneyNing presents Fees in Your 401(k) posted at Money Ning, saying, “Mind the small little fees in your 401k”

Henry Bagdasarian presents Certified Identity Protection Advisor � posted at Free Identity Theft Prevention, Detection and Fraud Solutions.

Silicon Valley Blogger presents Lower Your Car Insurance Rates! How To Cut Insurance Premiums In Half posted at The Digerati Life, saying, “Cut down on costs during this financial crisis.”

The Smarter Wallet presents Can A Housing Assistance Program Prevent Foreclosure? posted at The Smarter Wallet, saying, “Thanks!”

The Past

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.”

Shiv Dravid presents Financial Crisis: How India got Away Lightly? - The Viewspaper posted at The Viewspaper » The Viewspaper.

Darwin presents Why were the Risk-Averse so Heavily Invested in Stocks? posted at Darwin’s Finance, saying, “This article questions why people were so heavily invested in stocks during this recent market downturn and what the implications are for today’s investor.”

The Present

Nick Adama presents HOPE For Homeowners - $300 Billion to Help One Homeowner posted at ForeclosureFish Blog, saying, “How one government program to help reduce foreclosures has resulted in the appropriation of $300 billion and helped only one borrower.”

Ishan B presents Lunch Conversation on Economy posted at Save Few Bucks, saying, “Here is an interesting conversation that I had at a lunch.”

Ryan Duddy presents The sky is falling! GM to declare bankruptcy? posted at rocket-to-the-moon.com, saying, “brief overview/history and slight opinion on the current state of general motors and the auto industry.”

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.”

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.”

PFCreditCards presents Cost of Wells Fargo Business Checking vs EverBank posted at PF Credit Cards, saying, “I’m done with Wells Fargo. No fees, high interest rates, same hassle free as traditional banking. EverBank is for me.”

John Harding presents Obama to replace Americans with computer workers from India | Getting at the truth posted at Getting at the Truth, saying, “First off, what is the H1-B visa program?

It is a program which grants work visas to foreigners, usually Indians, who come to America to displace U.S. workers.”

John Harding presents Socialism may not be the solution, but Einstein really nailed the problem | Getting at the truth posted at Getting at the Truth, saying, “Socialism may not be the solution, but Einstein really nailed today’s problem.”

John Harding presents Obama conceals AIG’s $37.2 billion foreign giveaway | Getting at the truth posted at Getting at the Truth, saying, “Why has Obama not mentioned the much larger AIG giveaway of its bailout funds to foreign banks which total $37.2 billion?”

John Harding presents Obama Wows ‘em at the G20 | Getting at the truth posted at Getting at the Truth, saying, “And a good time was had by all!”

Wenchypoo presents *WARNING! WARNING! BOOK DANGER!!* posted at Wisdom From Wenchypoo’s Mental Wastebasket, saying, “This book advocates the use of life insurance as ATM–let’s stop this crisis from ever being born!”

Jim DeSantis presents 3 Reasons That Can Cause Your Family Budget To Fail posted at Free Family Budgeting eBook from On Line Tribune, saying, “Money is the only tool you have to secure your future and the future of your family and to live a good life today. Unless you get spending under control and start treating your household like the goldmine it really is, you are destined to struggle financially for the rest of your life.”

Roshawn Watson presents Mark to Market NOT Mark to Myth posted at Watson Inc, saying, “Half the country’s banks–4,000 in all–would be bust if they marked their loans to what the loans would fetch in an auction. Banks are fooling themselves by refusing to mark busted assets down. Banks are on a prayer mission that somehow prices will come back and they won’t have to face reality.”

MoneyNing presents 25 Debt Reduction Tips For Your Immediate Action Plan posted at Money Ning, saying, “There’s no time to waste. Get your act together and fix your debt right away.”

MoneyNing presents Ins and Outs of a Stock Exchange posted at Investing School, saying, “Stock exchanges perform a critical function in the world of trading. Find out what they do by going through the article.”

John Harding presents Avian flu hits the U.S. - only Singapore dares report! | Getting at the truth posted at Getting at the Truth, saying, “SINGAPORE has suspended poultry imports from the state of Kentucky in the United States after a case of avian flu was reported on a farm there.”

PFCreditCards presents The Credit Card Debate posted at PF Credit Cards, saying, “Love it or hate it, credit cards are apart of our society.”

Jacqulyn Richey presents Hope for Distressed Homeowers posted at News - Las Vegas Real Estate by Jacqulyn Richey, saying, “With so many homeowners struggling to pay their mortgage, the Making Home Affordable Initiative is a welcome relief. The program is designed to help 9 million homeowners avoid foreclosure.”

John Harding presents Mexical MaryAnn posted at Mexicali MaryAnn, saying, “It was well worth the wait. The lady was very nice, and gave us a computer print-out of Jim’s recorded income taxpayments. Jim had worked and paid taxes for 46 years, Social Security had him down for only 28 years of payments - they had missed out on 18 years!!!”

Investing School presents OptionsXpress Review posted at Investing School, saying, “OptionsXpress is great for options trading. Good commissions, free tools and more.”

Bank Savings Review presents Is Citigroup Vikram Pandit’s Job Safe? posted at Bank Savings Review, saying, “is Vikram Pandit going to be sacked?”

Dorian Wales presents Stress Tests and Capital Adequacy Explained posted at The Personal Financier, saying, “The highly anticipated FED stress test results may very well serve as fuel for further gains or, more likely in my opinion, as a sought after excuse for turning the tide (in the short run).”

nickel presents Making Work Pay: Tax Credit Results in Reduced Federal Income Tax Withholding posted at fivecentnickel.com.

Wenchypoo presents Using Our Own Money Against Us Part 4 (a new one for me): Rearranging Bank Deck Chairs posted at Wisdom From Wenchypoo’s Mental Wastebasket.

Brandon Rowe presents Pulte Centex Merger posted at Bromoney Internet Banks.

Mr Credit Card presents Business Cards and Credit Ratings | Ask Mr Credit Card’s Blog posted at Ask Mr Credit Card.

GeekMBA360 presents The master strikes again ? Quick thoughts on Oracle?s Acquisition of Sun Microsystems posted at GeekMBA360.

C Richey presents Hope for Distressed Homeowers posted at News - Las Vegas Real Estate by Jacqulyn Richey, saying, “A look at the new Federal program designed to allow homeowners to reduce their current mortgage to avoid foreclosure.”

Investing School presents Investor Mistakes - Constant Refresh posted at Investing School, saying, “Most of us love the real time information provided by our stock brokers but it really doesn’t help us much to look at it every day (or worst yet, several times a day). This article explains why.”

RateNerd presents How to Erase up to $2M in Debt Tax Free - How The Mortgage Debt Forgiveness Act Works posted at Rate Nerd, saying, “Mortgage Debt Relief Act of 2007 lets taxpayers exclude the income from the forgiveness of mortgage debt on their principal residence. So if your debt is reduced or forgiven through a mortgage restructuring, that amount qualifies for the relief and you may get it tax free - up to $2 million.”

Barry presents How To Have A Baby Amid A Recession? posted at Associate Money.

Stock Trading Brokers presents Zecco Discount Broker Review posted at Stock Trading Brokers, saying, “Zecco may suck with marketing and planning but they still offer one of the lowest commissions for trading stocks.”

Brian McKay presents Home Equity Line of Credit Closed? posted at MonitorBankRates.com, saying, “A Home equity line of credit, also known as a HELOC, a popular way of home owners to access equity in their home have come under assault recently by banks.”

Manshu presents Citi and BoFA Fail Stress Tests: Time for Bonuses? posted at OneMint.

nickel presents Alternatives to High Yield Savings Accounts posted at fivecentnickel.com, saying, “Rates have tanked. How should you respond?”

Mr Credit Card presents Capital One Raises Interest Rates After Balance Paid Off! What happened to Customer Loyalty? posted at Ask Mr Credit Card.

Bank Savings Review presents HSBC Direct Online Savings Account Review posted at Bank Savings Review, saying, “HSBC is one of the most well known bank in the world. In fact, they are the most admired bank. See what the online division is like.”

Banquet Manager presents A Banquet Manager’s Suggestion To Fix The Economy posted at So You Want To Be a Banquet Manager….

Lazy Man and Money presents Need Money Epic Fail posted at Lazy Man and Money.

Jim DeSantis presents Divorce: What To Do About Medical, Life, Homeowners, and Auto Insurance! posted at On Line Tribune | Marriage Matters, saying, “Covering the insurance needs of yourself and your children after a divorce must be considered during pre-divorce settlement negotiations with your soon-to-be ex. This is largely a matter for lawyers but you need to think ahead to protect everyone who depends upon you.”

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.

Technorati tags: financial crisis, blog carnival.

Welcome to the April 1, 2009 edition of financial crisis.

KCLau presents Learn Money Tips playing iMafia posted at KCLau’s Money Tips, saying, “About iMafia, an application for iPhone. How it is connected to real life in terms of personal finance and how to play the game.”

Michael Haltman presents The Annual Report From The Oracle Of Omaha posted at The Political and Financial Markets Commentator, saying, “By year end, investors of all stripes were bloodied and confused, much as if they were small birds that had strayed into a badminton game. As the year progressed, a series of life-threatening problems within many of the world’s great financial institutions was unveiled. This led to a dysfunctional credit market that in important respects soon turned non-functional. The watchword throughout the country became the creed I saw on restaurant walls when I was young: “In God we trust; all others pay cash.””

CreditCardAssist.com presents Things You Must Know About Credit Counseling Agencies posted at Credit Card Assist.

Shaun Connell presents 7 Questions to Ask Yourself Before Buying a Car posted at Financial Planning, saying, “You’re spending several thousand dollars of your hard-earned money, so you can’t take the decision lightly. Don’t let a car dealer talk you into buying something you really don’t want and really can’t afford. Instead, ask yourself these questions before you buy the car.”

Albert Mackoty presents Introduction posted at Me Personally.

kathryn presents Avoid Paying $81 Billion on Your Credit Card posted at Out of Debt Christian, saying, “Not everyone checks their credit card statements closely, but it is likely that Juan Zamora will be looking a little closer in the future. His last fill up of his 1994 Chevy Camaro cost him around $81 billion (that was with a “b”).”

cody butler presents What Is A Money Market Account And How Does It work? posted at Investment-For-Beginners Blog, saying, “An introduction to money market accounts, what they are and how they work.”

Emma Deangela presents Average Private Apartment Rental Prices In Eastern Singapore posted at SingaporeRental.org.

Emma Deangela presents Singapore Condominium Rental Prices Rankings posted at SingaporeRental.org.

Emma Deangela presents Singapore East Condominiums Prices Fall The Most posted at SingaporeRental.org.

Michael Haltman presents Beware The Misleading Nature Of 24 Hour Business News posted at The Political and Financial Markets Commentator, saying, “Watching business news every day I see an endless parade of the “experts” from both the buy and sell side of the market giving their opinions and prognostications on where the market is going.

They are expert at telling you where the market has been, why it has been weak and what the problem areas have been. Now anyone can do the backwards looking, but no one can really do the forward looking forecasting with any degree of confidence because nobody has any real idea.”

Leave Debt Behind presents How to Pay Down Your Debts Quickly posted at Leave Debt Behind.

CreditCardAssist.com presents Protecting Seniors Against Credit Card Fraud posted at Credit Card Assist.

CreditCardAssist.com presents How to Keep Your Credit Cards Safe posted at Credit Card Assist.

apply4-credit presents How Often Do You Request a New Credit Card Number? posted at Apply4-Credit.

Shaun Connell presents Short-Term Loans Cause Long-Term Destruction posted at Short-Term Loans, saying, “One of the great tragedies of financial illiteracy is that reality isn’t very compassionate. Not knowing the basics of personal finance can completely destroy one’s financial well being. Seemingly trivial mistakes can destroy one’s life.”

Britannica Blog presents A “Size Zero” Pill? Too Good to Be True? posted at Britannica Blog, saying, “Is a pill that promises such rapid weight loss that ”your closest friends won’t recognize you” too good to be true? Yes, yes it is. Not only too good to be true, but too dangerous to be tampered with.”

kathryn presents You Can Afford to Be Generous posted at Out of Debt Christian, saying, “This morning I decided to swing through the Dunkin Donuts drive thru to pick up a coffee and a bagel. As I pulled up to the window to pay for my breakfast the cashier told me, “The lady in front of you already paid for your order. She wanted me to tell you to have a nice day.” Stunned, I tried to get a glimpse of the lady in the minivan pulling out onto the road. I waved at her, but I’m not sure she saw me. Within seconds she was gone.”

JD presents The Global Debt Disease & How It Affects You posted at debthelpcreditrepairpro.com, saying, “The world, Americans included, is suffering from a serious disease - the disease of excessive debt. The problem has been an availability of very cheap credit in recent times, and no real regulation on who can or cannot take on debt. It has meant that many people have taken out credit cards and loans that they can barely afford. Sometimes, this has led to people taking large loans or mortgages for real estate they cannot realistically afford on their salaries. In other cases, it has resulted in people taking on several credit cards and blindly purchasing products & services and just “charging it”.”

cody butler presents How Do Mutual Funds work? posted at Investment-For-Beginners Blog, saying, “Article on the basics of Mutual Funds, what they are and how they work.”

Steve presents Where can I get cheap mailing lists from anywhere? posted at Mailing List Resources.

Steve presents Two Common Direct Mail Mistakes. and How to Avoid Them posted at Mailing List Resources.

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

Emma Deangela presents Sunglade Apartment for rental posted at SingaporeRental.org.

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.

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.”

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.”

Mark presents Free Insulation - R Value posted at Insulation Rebate.

Mark presents Free Insulation - Government Insulation Rebate posted at Insulation Rebate.

Mark presents Insulation Rebate posted at Insulation Rebate.

Madeleine Begun Kane presents Dear Boss, Where?s My Bonus? posted at Mad Kane’s Political Madness.

cody butler presents What Is Forex Trading? posted at Investment-For-Beginners Blog, saying, “A basic introduction to forex trading, what is it and who is it for?”

Mike Stevens presents WHERE CAN I GET CHEAP MAILING LISTS FROM ANYWHERE? posted at Biz Data Lists.

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.”

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.”

John Russell presents Gap Insurance - Should You get It? posted at The Low Cost Auto Insurance Guru, saying, “Gap insurance is an additional insurance policy that is usually tacked on to your monthly lease payment or (finance payment if you are financing your car). Usually you don”

Emma Deangela presents Singapore Condominium Rental Prices Rankings posted at SingaporeRental.org.

etrades presents Why Buy Silver Bullion? posted at eTrades, saying, “Buying Silver Bullion is becoming hugely popular. At present, silver is relatively cheap if you compare it to the cost of gold. With it’s lower price, the vast majority of people can afford to buy greater quantities of it. If you compare it to gold, your average person may be able to afford 1 ounce whereas the same person purchasing silver could buy many more times that amount.”

Shaun Connell presents 5 Financial Tips for Right Now posted at Financial Planning, saying, “Don’t just read financial advice. That’ll just waste your time. Instead, make sure to find something you can actually do in the next few minutes — and don’t get up till you do them.”

kathryn presents Budget Money with Irregular Paychecks posted at Out of Debt Christian, saying, “Working as a freelance writer is an amazing life. I get to work when I want to work and I get to work as much (or as little as I want to work). I am my own boss – mostly. Getting paid is still a primary need and sometimes the paychecks to not come on a regular basis. It is important for me to learn some tricks that let me budget my income no matter how unusual that income may be.”

The Future

Peak Personal Finance presents Rent to Own Advice posted at Peak Personal Finance.

Wenchypoo presents *FutureShock*: Housing and Property Taxes From the Near to Distant Future posted at Wisdom From Wenchypoo’s Mental Wastebasket.

steven germain presents ideology and crisis posted at Rough Fractals, saying, “Ideology and crisis: opening a door to a new dialogue…”

Gold Investor presents Gold/Silver Ratio | Gold Investing Info posted at Gold Investing Info, saying, “If you are going to invest in precious metals, it is useful to look at the gold to silver ratio.”

Dana presents Old Rules Out, New Rules In – What Investors Should Demand Going Forward posted at Investoralist, saying, “Investors should demand integrity, transparency, accountability for their investment portfolio. For this to materialize, corporations must be held accountable by the same investors and consumers, and strive to become more sustainable and responsible entities.”

Dave presents Taxing Everyting posted at Cheapo Groovo.

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

Party Poker King presents Short Stacking Strategy posted at Low Stakes No-Limit, saying, “Short stacking refers to buying in at a poker table for the table minimum in hopes of doubling up and then leaving.”

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

Farid presents Skin Care Assortments & Kits-Large Selection posted at Acne treatment, saying, “When an individual is in search of an addition to his or her daily beauty regimen, there are many assortments and kits that pack the drugstore shelves.”

Zach Scheidt presents Citigroup Claims This Is A “Good Year” posted at ZachStocks, saying, “When Citi stated “This is a Good Year,” the market embarked on a bear market rally. The article casts doubt on just how strong Citigroup business is, and yet how the market could continue to climb for some time.”

Arohan presents US Economy - Future Imperfect posted at Personal Dividends, saying, “We are entering a period of record deficits and debt. And there are other more potent forces that have the potential to murk the future of US economy and unless the government policies do not firmly and intelligently address these issues, we are in for a long dark period of economic blight.”

Relax presents The art of taking risk posted at The Wise Curve, saying, “mastering the art of taking risk will bring you one step closer to success in your career, study, relationship, investment, and many more areas in your life.”

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

Mike presents This Great Depression Will Be Known As The Great Stagflation posted at Great Depression Version 2: Bear Market and Economic Depression, saying, “The current economic crisis is just beginning. It will wind up being known as the Great Stagflation.”

Mr. ToughMoneyLove presents China is Kicking Us While We are Down posted at Tough Money Love » Hard Truth and Tough Love for Money Problems and Personal Finance, saying, “China is flexing its economic muscles to change the international monetary system.”

The Past

ChristianPF presents Credit Crisis explained | Video posted at Money in the Bible | Christian Personal Finance Blog, saying, “A vid showing how we ended up in this mess…”

Finance Tips 101 presents Personal Grants To Pay Off Debt posted at Finance Tips 101.

Ravi Nagarajan presents Madoff’s Weapons of Influence | The Rational Walk posted at The Rational Walk, saying, “How did Madoff do it?”

Matt K presents Financing A Used Car Purchase posted at Car Loan Tips, saying, “Some tips to save money when flying international.”

Ian Welsh presents Why Financial Crises Will Keep Happening posted at Ian Welsh, saying, “The current financial crisis was entirely foreseeable and preventable. It was also the inevitable outcome of a system designed to motivate and reward destructively short-term, self-oriented thinking.”

Dan at Everydayfinance presents If You Thought Americans Suffered This Year… posted at Everyday Finance, saying, “This article highlights the nefarious plans that Wall Street had in mind that almost made this financial crisis pale in comparison.”

Abigail Perry presents Should our economy fail? posted at i pick up pennies, saying, “Frugality is not only free of blame in this current crunch, I would go so far as to say the lack of it is what caused this whole debacle. And given that our economy is set up to reward the financially imprudent, should we be working so hard to save it?”

Silicon Valley Blogger presents The Causes and Consequences of the Subprime Mortgage Financial Crisis posted at The Digerati Life, saying, “Thanks!”

The Present

Martial Development presents Fannie Mae Seizes Power in Wall Street Blowout posted at Martial Development.

keevisr presents Sub-Prime Mortgage Loans - Five Ways To Lower Your Rates On A Sub-Prime Mortgage posted at Loan Info Central, saying, “Sub-prime mortgages don’t mean you have to pay excessively high interest rates to buy a home. By taking time to do some research and pick the right terms, you can save thousands on your mortgage.”

Jeonard Cook presents Learn How to Sell Your Own Home: Advertise like a Pro posted at How to Sell Your Own Home.

TwoGun and Ozone presents The Resiliance of Poker posted at Online Poker Strategy, saying, “Despite the economic slowdown, poker is still thriving.”

Den Levin presents Get Ready For The Crowding Out Effect | Credit Makes The World Go Round posted at Credit Makes The World Go Round, saying, “With the US government projected to have the highest deficits ever, businesses will have an even tougher time borrowing due to the crowding out effect.”

Wenchypoo presents The Consumer’s Guide to Functioning in an Economic Cycle (L-O-N-G) posted at Wisdom From Wenchypoo’s Mental Wastebasket.

Wenchypoo presents Using Your Own Money Against You posted at Wisdom From Wenchypoo’s Mental Wastebasket.

Alex presents Unemployment Facts: - Associated Content posted at Associated Content, saying, “Unemployment, now at at 26-year high, is a harsh reality for hundreds of thousands of Americans. In order to get and stay financially fit, unemployment requires a plan. And the first step of that plan is to apply for unemployment compensation benefits.”

steven germain presents Rough Fractals: AIG - Behind The Scenes… posted at Rough Fractals, saying, “An inside view and analysis of what went wrong at AIG.”

TasJack presents Stop Home Foreclosure Strategies posted at Stop and Avoid Foreclosure Resources, saying, “Most Americans grow up dreaming of having a white picket fence, two cars in the driveway, a chicken in a pot, and two adorable, ruddy-cheeked children. It is the American dream, and certainly the home behind those little white sentinels is one of the biggest parts of that dream. If you are confronting a possible home foreclosure that threatens to shatter your American dream, it may be possible to stop home foreclosure. Stop home foreclosure strategies do exist and before you give up on your slice of the home ownership pie, you would be well advised to look into some of the ways you can stop home foreclosure.”

Wenchypoo presents Using Our Own Money Against Us Part 3: Making Mole Hills into Mountains posted at Wisdom From Wenchypoo’s Mental Wastebasket.

Steve Patterson presents Don?t Take Your Losses! posted at 2009 Taxes.

Save Money presents Frugal Frauds Revealed posted at How I Save Money.net.

Nate Desmond presents 12 Ways to Waste Money in College posted at Debt-free Scholar.

Wenchypoo presents Bailout Boomerangs posted at Wisdom From Wenchypoo’s Mental Wastebasket.

Investing School presents What are Treasury Securities posted at Investing School, saying, “Treasury Securities are the safest investment of them all but is it really the right investment for you? First, let’s find out what they are.”

sam sall presents Are You So LUCKY To Be Self-Employed or Not?! posted at speechstarter, saying, “to learn more about how to deal with the financial crisis please see the blog”

Wenchypoo presents This Just In: 10 Things Credit Card Issuers Don’t Say posted at Wisdom From Wenchypoo’s Mental Wastebasket, saying, “Note to editor: please use the trackback URL only to refer to this article–it will disappear from my blog in 3 days.”

Shiv Dravid presents Subprime Crisis and the Impact on India - The Viewspaper posted at The Viewspaper » The Viewspaper, saying, “Subprime Crisis and the Impact on India - The Viewspaper”

Shot presents How to fix Mark to Market posted at Conunderground.com, saying, “Original ideas on how to fix mark to market”

Steve Patterson presents FastSwings - Blogs - US Markets Rally Despite Being Overbought posted at FastSwings, saying, “The markets keep the rally alive and really look like a big pull back is less likely.”

Wenchypoo presents Mole Hills into Mountains Part II: from Pyramid Schemes to Money Laundering, with a Bonus posted at Wisdom From Wenchypoo’s Mental Wastebasket.

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.”

Barry presents HyperInflation Coming But Financial Crisis Not Over Yet posted at Jeflin’s Investment Blog.

Nate Desmond presents 7 Ways to Save Money on College Transportation posted at Clever Dude.

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.”

JC presents SJ Rants more on AIG bonuses and stuff posted at 6Bubbles - Grad School, Money, Life.

JC presents US firm to close branch due to lack of employees posted at 6Bubbles - Grad School, Money, Life.

JC presents SJ’s Take: 90% Tax on Bonuses posted at 6Bubbles - Grad School, Money, Life.

JC presents JC Reports: U.S. House Passes 90 Percent Tax on Employee Bonuses posted at 6Bubbles - Grad School, Money, Life.

JC presents About the cars posted at 6Bubbles - Grad School, Money, Life.

The Investor presents Quantitative easing: The uncomfortable truths posted at Monevator.com, saying, “Quantitative easing sounds like a laxative, which is more than a little appropriate…”

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.”

Locke Dauch presents Unemployment During the Great Depression posted at Your Blog Is Money, saying, “This article is dedicated to comparing the world economy and unemployment as a contributing factor of the present to that of the past. You will have to read the article to learn more about the similiarities between our current situation and that of previous generations that had to survive through the great depression.”

ChristianPF presents Where should you open an online bank account? posted at Money in the Bible | Christian Personal Finance Blog, saying, “With all the banking options available - which online banks stand out as the best?”

Peter presents Economic Crisis Means Great Time To Buy a Roth IRA posted at Bible Money Matters, saying, “The economic crisis means that it’s a great time to buy a Roth IRA!”

The Smarter Wallet presents Help, I’m Unemployed! What If My Unemployment Checks Run Out? posted at The Smarter Wallet, saying, “Thanks!”

Brian McKay presents Housing Rebound posted at MonitorBankRates.com, saying, “The recent positive news on new and existing home sales in February points to a housing market that might have seen the worst days behind it.”

Credit Card Addict presents Reduced Credit Card Limits Hurting Credit Scores posted at CreditAddict.

Money Tipper presents Monitor Bank Safety Online posted at Money Tipper.

Wealth Itself presents Look for Opportunities During a Recession posted at Wealth Itself.

Mr Credit Card presents A Step In The Right Direction posted at Ask Mr Credit Card.

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.

Technorati tags: financial crisis, blog carnival.

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.

Technorati tags: financial crisis, blog carnival.

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

Shaun Connell presents How to Write a Financial Plan posted at Financial Planning, saying, “Personal finance is essential, but without a coherent
financial plan to unite all of the tips and strategies, your chances
of success are minimal. Learn how to write your own financial plan!”

KCLau presents Redefine Retirement: Lifestyle Design of the New Rich posted at KCLau’s Money Tips, saying, “About retirement, mini-retirement versus deferred retirement, income relativity and how to earn the income you want in the shortest time.”

David presents Budgeting vs. Allocating Funds: There’s A Difference posted at Personal Finance Ology, saying, “The difference between budgeting and allocating your money is not a trivial one, but is often overlooked. It is prudent to both budget and allocate your discretionary funds so that you can stretch you dollars further!”

Praveen presents Three Financial Suicides posted at My Simple Trading System.

Debt Freedom Fighter presents Achieve Debt Elimination in Five Simple Steps posted at Discover Debt Freedom!.

CreditCardAssist.com presents Don’t Start Living off Your Credit Cards posted at Credit Cards Blog | CreditCardAssist.com.

apply4-credit presents 4 Things a Credit Card Can’t Do posted at Credit Card Applications Expert | Apply4-Credit.com.

Destroy Debt presents Debt Got You Down? Turn That Frown Around posted at Debbie’s Debt Advice.

Debt Free Destiny presents 10 Excellent Reasons You Need to be Debt Free Today posted at Debt Free Destiny.

Shaun Connell presents Inflation: How to Beat it with Smart Financial Planning posted at 20 SomethingFinance.com, saying, “Got a high-interest savings account or investments? You’re still probably going to lose money over the long run. Inflation is currently the federal government’s policy… and if you don’t take the right financial planning steps, you could be letting your savings nickel and dime away.”

Will Edwards presents Financial Management posted at ITIL V3 Talk, saying, “Good Financial Management allows a service operation to measure, and quantify, both effectiveness and efficiency in financial terms”

kathryn presents Basic Ideas for Balancing a Budget posted at Out of Debt Christian, saying, “Finances are one of the most difficult challenges that many of us face during our lives. It is no surprise (or maybe I should say it SHOULDN’T be a surprise) that the challenges double when we get married.”

kenny presents Are we in a recession? posted at Zelativity.

KCLau presents Best of KCLau’s Money Tips 2008 posted at KCLau’s Money Tips, saying, “A run down of the best KCLau’s Money Tips 2008″

Michael Haltman presents The Financial Crisis: Losing Your Job and Money May Not Be The Only Casualty [del.icio.us] posted at The Political and Financial Markets Commentator, saying, “”One mother in TriBeCa, who is married, at least for now, to a Wall Street executive, put it rather bluntly: “My job was to run the household and the children’s lives,” she said. “His job is to provide us with a nice lifestyle.” But his bonus has disappeared, and his annual pay has dropped to $150,000 from $800,000 a year. “Let me just say this,” she said, “I’m still doing my job.””

Tushar Mathur presents Are You Doing The Most Important Thing to Get Rich posted at Everything Finance, saying, “Creating wealth is a long process, but it begins with one easy step. Before paying any bills, write yourself a check for as little as $25. If you do only one thing, this is more likely to make you wealthy than anything else. Paying yourself first is popular advice because it’s the most important step to becoming financially independent.”

Shaun Connell presents Payday Loans SUCK… But Should We Ban Them? posted at Short-Term Loans, saying, “These short-term loans target “suckers” and are disgustingly stupid to get. But some suggest the government should step in. Do you agree? I think it’s a horrible idea.”

Debt Freedom Fighter presents Why Reading a Credit Card Review is Important posted at Discover Debt Freedom!.

CreditCardAssist.com presents Don?t Take Your Credit to the Max posted at Credit Cards Blog | CreditCardAssist.com.

apply4-credit presents And the Credit Fraud Continues posted at Credit Card Applications Expert | Apply4-Credit.com.

Debt Free Dave presents Circuit City Closing, Who’s Next? posted at Debt Free Earth, saying, “Yesterday came the announcement that surprised few: after being unable to find a buyer, Circuit City asked a bankruptcy judge to allow them to close their remaining 567 stores. They had already closed 155 stores in the past 2 months while attempting to find a buyer.”

kathryn presents Be a Better Bargainer posted at Out of Debt Christian, saying, “A 2007 Consumer Reports survey discovered that 61 percent of those polled had tried to get a bargain by haggling and more than 90 percent of them succeeded.”

Michael Haltman presents Hail To The New Chief posted at The Political and Financial Markets Commentator, saying, “I am a Republican while many among us are Democrats or non-political. I follow the world and the goings on while some among us could care less. I voted for McCain while many other voted for Obama or did not vote at all. What does it all mean?”

KCLau presents Procrastinator, plucker, plotter, and prober posted at KCLau’s Money Tips, saying, “Recently I was reading the book titled “The Number: What do you need for the rest of your life and what will it cost?” A rundown on what the book has to offer”

Praveen presents Tribune Bankruptcy Restructuring: Company Wants To Stay Together posted at My Simple Trading System, saying, “The financial crisis caused the Tribune to file for bankruptcy. Now, they are taking advantage of the loose lending restrictions the banks had given them to try and keep their ESOP S-corp structure to avoid taxes…”

Shaun Connell presents The Case for Financial Security posted at Financial Planning, saying, “Times are different since the age of knights, kings and castles. Things have changed — both for the better and for the worse. In terms of financial planning, many seem to have forgotten the old adage: “A man’s home is his castle.””

Debt Freedom Fighter presents The Benefits of a Credit Card Consolidation Loan posted at Discover Debt Freedom!.

Savings Toolbox presents 5 Tips for Starting Your Savings posted at Savings Toolbox.

Debt Free Destiny presents 5 Ways to Save With Your Bank posted at Debt Free Destiny.

CreditCardAssist.com presents Don’t Treat Your Credit Card Limit as Income posted at Credit Card Assist.

apply4-credit presents Is a No Limit Credit Card a Good Idea? posted at Apply4-Credit.

Deposit Accounts presents Money Management During a Recession posted at Deposit Accounts.

kathryn presents Making Due posted at Out of Debt Christian, saying, “There are times when what you want is just not something that you can get. Any one that has every had a dorm room can completely relate to that concept. It is times like these that require you to think a little outside of the box so that you can use what you have until you can get what you want.”

Britannica Blog presents The U.S. Economy Is Bad, but the 1980’s Were Worse posted at Britannica Blog, saying, “Some of the other key differences between the U.S. today and the early 1980s”

Dave presents Banks’ Loan Losses Could Reach $2 Trillion posted at Cheapo Groovo.

Ralph Jean-Paul presents How To Make Important Decisions Quickly posted at Potential 2 Success, saying, “Quick decision making is critical in just about every aspect of life. Every decision you make produces a result. In every line of business, quick decision making is crucial for success.”

Michael Haltman presents Taliban Continued With An Iranian Spin posted at The Political and Financial Markets Commentator, saying, “Americans have notoriously short memories, and after all 9/11 is almost 8 years removed and we have not had any repeat performances, due in large part to the actions of the Bush administration. That in no way means that we are out of the woods. Far from it.”

Madeleine Begun Kane presents No Quid? No Quo! posted at Mad Kane’s Political Madness.

Debt Freedom Fighter presents What is a Personal Loan? posted at Discover Debt Freedom!.

CreditCardAssist.com presents Consumer Fraud Alert: Watch Your Quarters posted at Credit Cards Blog | CreditCardAssist.com.

apply4-credit presents Managing a Credit Card for a Small Business posted at Credit Card Applications Expert | Apply4-Credit.com.

debt kid presents The #1 Reason You Can’t Get Out of Debt posted at DebtKid.

Shaun Connell presents Are You Making These Debt Mistakes? posted at Financial Planning, saying, “Every day, tens of thousands of individuals up to their necks in debt emotionally make the wrong decision. In pure desperation, they feel as though they can’t take another month of the debt. Throwing away their biggest ally (brutal rationality), they decide to “just do something.””

kathryn presents Surprising Ways to Make Extra Bucks posted at Out of Debt Christian, saying, “Poetry has never been my strong point – especially that kind that doesn’t even rhyme. It might surprise you to discover that some of those “poems” can be worth big bucks and that is just one way that your random thoughts can bring in the cash.”

The Future

Bill Spohnholtz presents Bailout Bazooka posted at Learn The Stock Market And How to Trade.

SJ presents Alternative Fuels - Are They Really The Boon Of The Future? posted at Save Money On Gas, saying, “With the recent gas crisis, the question of alternative fuels has become a hot topic”

Joseph Calhoun presents Still Blaming the Victims posted at Contrarian Musings.

The Budgeter presents Budgeting On An Unknown Income posted at Keep Your Cash, saying, “If you are a self-employed professional, you probably find it very difficult to calculate the accurate figure for your income.”

Mary@SimplyForties presents The End Of An Era? posted at SimplyForties, saying, “Are we nearing the end of the daily printed newspaper?”

Steven Lohrenz presents Prediction On Copywriters During The Financial Mess posted at Stephen Dean’s Copywriting And Internet Advertising Blog - Copywriter.

presents Customer Service is the Epicenter of the Universe posted at Internet Marketing | Information Marketing | Blog Marketing | Business Success.

Finance Tips 101 presents Credit Card Debt It Is Not Always Your Fault posted at Finance Tips 101.

One Family presents Employee Stock Purchase Plan (ESPP) and 401K Retirement Plan Annual Enrollment and Contribution Review posted at One Family’s Blog.

presents An Interview With Blogging Evangelist Anil Dash posted at Internet Marketing | Information Marketing | Blog Marketing | Business Success.

John Pilafas presents Amazing Times and Lots of Lies posted at DAILY PILAF, saying, “The Stimulus of Pork, a new bubble and getting angry at Democratic Congressmen”

Silicon Valley Blogger presents No 2009 Economic Stimulus Check? How Obama’s Stimulus Plan Affects The Middle Class posted at The Digerati Life, saying, “Thank you!”

Roshawn Watson presents Is There Any Room For Economic Optimism? posted at Watson Inc, saying, “Fixing our current economic woes is a top priority for many Americans, so the fact that US economic hardships is getting tons of media attention is not wholly unexpected. However, a recent sobering and fear-inducing article by Forbes columnist Tom Riper might have pushed the limits with respect to responsible reporting.”

ChristianPF presents Why you need to pay down your debts ASAP posted at Money in the Bible | Christian Personal Finance Blog, saying, “With the onset of the financial crisis it is even more important to pay down debts ASAP!”

Finance Tips 101 presents Drowning In Debt? Bad Credit Loans May Need To Be Considered! posted at Finance Tips 101.

Joshua Dorkin presents New Foreclosure Technique for 2009? posted at Real Estate Investing For Real, saying, “Here’s a fun post regarding the current housing crisis”

The Past

Adam Freedman presents Thoughts on 2008?s Economy and Stock Market posted at The Investor’s Journal.

Carnival of Financial Goals presents The 2008 Financial Crisis - Causes and Effects : Cash Money Life posted at Cash Money Life, saying, “The 2008 Financial Crisis - Causes and Effects”

The Present

Abigail Perry presents Are Americans really learning? posted at i pick up pennies, saying, “We’ve heard about the financial crisis’s arrival. Everyone’s cutting back. But malls are still packed. Are we seeing the beginnings of frugal burnout already? Are the sales luring people back in to consumerism? Or are people just picking and choosing deals?”

Money Grubbing Lawyer presents Don’t Save, Spend! (or so says the Globe and Mail) posted at Money Grubbing Lawyer, saying, “A commentary on a recent editorial in Canada’s largest newspaper.”

GrrlScientist presents Survival Skills 101: Frugal Living posted at Living the Scientific Life, saying, “We’re all having a hard time right now, so here are a few suggestions for surviving a financial crisis, such as un(der)employment or chronic poverty.”

Den Levin presents Why Credit Is So Important | Credit Makes The World Go Round posted at Credit Makes The World Go Round, saying, “Lack of credit affects everyone both directly and indirectly.”

Andrew Edgington presents “Investing In Real Estate” Tips posted at Best On-line Mortgages, saying, “Find out from the experts how you can make more than average profits from property investments and the secrets behind just how financial institutions will pay you huge lump sums in return.”

Roshawn Watson presents Thrift Paradox - Is Frugality Hurting Economy? posted at Watson Inc, saying, “Many “families hope their new found frugality will see them through the economic downturn. But this same thriftiness, embraced by families across the U.S., is also a major reason the downturn may not soon end”"

cfgoulart presents Sample Hardship Letter For Loan Modification Do It Yourself posted at Making Money Resources, saying, “Sample hardship letter to use for those looking to attempt a loan modification on their home loan.”

Finance Fanatic presents Crash Market Stocks - Financial Tips To Make Money In A Recession: Crash Market Stocks: An Introduction To This Site posted at Crash Market Stock - Stock Tips To Make Money During A Recession, saying, “Tips on how to make money during a financial crisis”

VC presents So what is the government doing to help? posted at The Penny Daily.

Mark Aucamp presents Mortgage rescue scheme helps houseowners facing repossession posted at Money Saving Tips, Consumer Finance, Expert, Advice and Help | Talk Money Blog.

Pinyo Bhulipongsanon presents Big Bath Accounting Fraud posted at Moolanomy.

NetBiz presents Free Home Budget Software For Beginners | Free Money Management Programs posted at Money Galaxy - Make Money | Save Money | Invest Money, saying, “The crisis is forcing us all to budget. It’s a good thing there are excellent free options to do so online”

Mr Credit Card presents How to Get Credit After Bankruptcy posted at Ask Mr Credit Card.

Save Money presents Save $1000 in 30 Days: My Take posted at How I Save Money.net.

Raily Arena presents Tips to Increase Your Chance of Selling Your Home posted at How to Sell Your Own Home.

Raily Arena presents Tips To Get You Started On Selling Your Home posted at How to Sell Your Own Home.

Christine presents Limited to 20 Euro ATM Withdraws in France from US Bank, Why? posted at Me, My Kid and Life: An American Single Mom Living in France.

Rajbir Dhaliwal presents Financial Freedom? Really? posted at Rajbir Dhaliwal, saying, “A blog post about the scams going on promising financial freedom.”

presents Can Blogging Kill You? posted at Internet Marketing | Information Marketing | Blog Marketing | Business Success.

presents Will Microblogging (Twitter) kill Blogging? posted at Internet Marketing | Information Marketing | Blog Marketing | Business Success.

Gavin R. Putland presents Aye, Barack Hussein Obama. Now finish those thoughts… posted at LVRG Blog.

presents In Search Of Sanat Mishra posted at Internet Marketing | Information Marketing | Blog Marketing | Business Success.

Investing School presents Zecco vs TradeKing Discount Brokerage Comparison Review posted at Investing School, saying, “Want to know whether Zecco or TradeKing is better? This is the comparison you need to read!”

Livingalmostlarge presents Book Review - Depression Economics posted at LivingAlmostLarge.

Chris presents Pawn Shops - Recession Proof? posted at financial reflections, saying, “Pawn shops are doing pretty well, thanks to a down economy. In fact, they are loaded with inventory, which may have a down side.”

FIRE Getters presents A Simple Budget That Works? posted at FIRE Finance.

Raymond presents Bearish Stock Market Net Worth Update posted at Money Blue Book.

Frank Curmudgeon presents How Much is $887 Billion, Really? posted at Bad Money Advice.

Dorian Wales presents Valuation and Risk Measurement Models under Heavy Criticism – What Went Wrong? posted at The Personal Financier, saying, “Are valuation and risk measurement models as the root of all evil?”

Ryan Suenaga presents Making a Difference One Expense at a Time posted at Uncommon Cents.

Marcus presents Foreign Currency Lending Makes Central European Families Insolvent posted at Emerging Forex.

Joe Manausa presents Tallahassee Foreclosure Report | Tallahassee Real Estate Blog posted at Tallahassee Real Estate Blog, saying, “There is plenty of news in the national media about foreclosures. From everything that I have read, I suspect for every 100 foreclosures that have and will hit the real estate market during our current housing crisis, we have only seen 2 or 3. The bulk of the foreclosures have yet to hit the market.”

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.

Technorati tags: financial crisis, blog carnival.

Welcome to the January 7, 2009 edition of financial crisis.

Credit Card Assist presents How Shall I Compare Thee, Credit Card? posted at Credit Cards Blog | CreditCardAssist.com.

Deposit Accounts presents Will Opening a Deposit Account Affect My Credit Score posted at The Money Blog.

KCLau presents Christmas On A Budget posted at KCLau’s Money Tips, saying, “This post is contributed by Jacquelyn Sarah Wong, the co-author of The Secrets to Writing an Ebook in Three Easy Steps. It is about how to be frugal this christmas season with the economy down.”

Madeleine Begun Kane presents Who Needs Oversight, When You’re Spending Money You Don’t Have? posted at Mad Kane’s Political Madness.

Joy presents The Weirdest Story Ever about Trading and Finance posted at Fulfilled Dreams.

Mark Aucamp presents Check your Mortgages for free with Loancheck | Talk Money blog posted at Money Saving Tips, Consumer Finance, Expert, Advice and Help | Talk Money Blog.

Michael Haltman presents You Are Facing Foreclosure? Now What? posted at The Political and Financial Markets Commentator, saying, “For any number of reasons many homeowners find themselves in the position of either being late on their mortgage or about to be late. There could be a death of the breadwinner, loss of a job, an adjustable mortgage, divorce, loss of a tenant in an investment property and the list goes on.

Prior to going into the foreclosure process, there are other steps that should be considered in dealing with the lender and the mortgage they hold on your property. Some may delay the process, others will avoid it, but in the end the borrower will likely lose the house.”

kathryn presents Dealing with Financial Disaster posted at Out of Debt Christian, saying, “Instead of throwing in the towel or trying to bury your head in the sand, take the bull by the horns and get started right now on fixing the problem.”

Anthony M Gray presents The Four Principles of The Money Merge Account™ posted at Anthony M Gray.

Madeleine Begun Kane presents Banks To Taxpayers: Drop Dead! posted at Mad Kane’s Political Madness.

Tushar Mathur presents 3-6-3 Rule - An unofficial banking rule !! posted at Invest In India, saying, “The banking industry of the 1950s, 1960s, and 1970s is often described as operating according to a 3-6-3 rule .The rule basically explains how bankers would give 3% interest on depositors’ accounts, lend the depositors money at 6% interest and then be playing golf at 3pm.”

Shaun Connell presents Financial Happiness: The Real Goal of Financial Planning posted at Financial Planning, saying, “Financial planning almost always revolves around the same basic theme: get a job that pays well, save as much as you can, invest as much as you can, make as much as you can, hoard as much as you can. But what if financial planning -isn’t- about the money? What if it’s about something else? This is a must-read for anyone who has any sort of financial plan.”

apply4-credit presents Tips for Negotiating a Credit Card Payoff posted at Credit Card Applications Expert | Apply4-Credit.com.

Credit Card Assist presents How to Tell Your Credit Card Company You Can’t Pay posted at Credit Cards Blog | CreditCardAssist.com.

Debt Freedom Fighter presents Tips for Choosing a Debt Counselor posted at Discover Debt Freedom!.

kathryn presents The Hole in the Checkbook posted at Out of Debt Christian, saying, “The budget is made, we write down what we spend and we limit our purchases to necessities only. That usually lasts for the first couple of weeks or even a few months before the checkbook springs a leak.”

Michael Haltman presents Madoff And His Fuel For The Anti-Semetic Fire posted at The Political and Financial Markets Commentator, saying, “True to form the Madoff scandal has not only cost individuals and charitable organizations billions, but it has brought the specter of anti-semitism that normally bubbles just underneath the surface out into the light of day.”

KCLau presents Introduction of a new scheduler tax deduction (STD) posted at KCLau’s Money Tips, saying, “About LHDN introducing a new scheduler tax deduction (STD) system”

Shaun Connell presents What is Money? posted at Financial Planning, saying, “What’s the difference between money and currency? Are they the same? Why do we say we “make” money rather than “get” money? All these questions are answered — what is money?”

Matthew Paulson presents Can You Get A Vehicle Loan With Bad Credit? posted at American Consumer News.

Debt Freedom Fighter presents 3 Methods to Discover the Best Company For Credit Card Debt Relief posted at Discover Debt Freedom!.

Insurance Toolbox presents How to Save Money When Buying a LIfe Insurance Policy posted at Insurance Toolbox.

Deposit Accounts presents Learning to Live on 70% of Your Income posted at The Money Blog.

Debt Free Destiny presents Bankruptcy Has Far Reaching Effects on Your Life posted at Debt Free Destiny.

Credit Card Assist presents 5 Reasons Balance Transfers Can Do More Harm Than Good posted at Credit Card Assist.

kathryn presents Should You Trust Your Broker posted at Out of Debt Christian, saying, “Financial times are scary and the thought that your broker might not have your best interest in mind can push you right off the deep end. No matter what you think about the person on the other side of that desk you should always get informed yourself.”

The Future

The Investor presents Government bonds: An exciting new way to lose money to the bear market posted at Monevator.com, saying, “The flight to safety caused by the stock market meltdown in 2008 means government bond yields are the lowest for 50 years. This article explains why it’s the next bubble market waiting to burst.”

One Family presents Employee Stock Purchase Plan (ESPP) and 401K Retirement Plan Annual Enrollment and Contribution Review posted at One Family’s Blog.

Michael Bass presents What is a Junk Debt Buyer? posted at Debt Prison, saying, “Often, original creditors are selling debts that were absolved due to bankruptcy or debt settlement. And collection agencies also sell debts in bulk to other collecting companies. Why would anyone buy debt that legally can’t be collected on?”

Save Money presents Dave Ramsey’s Baby Steps: My Take posted at How I Save Money.net.

The Investor presents How I bought the mortgage-backed securities the banks don’t want by buying Prodesse posted at Monevator.com, saying, “Having initially priced mortgage-backed securities to the point where they were apparently risk-free, the credit crisis and market meltdown has seen banks go to the other extreme. Do AAA mortgage-backed securities now offer a decent risk/reward play for contrarian investors?”

Doug Ragan presents How YOU Can Help Save The Economy posted at I’m A Pundit Too, saying, “Who’s going to save us from our failing economy? Do you really think that Congress can save both big business and you at the same time? It is obvious to everyone that the economy is in big time trouble. But what everyone doesn’t understand is how to put it back together. There is much debate about fixing the economy, bank bailouts (thanks Paulson), auto manufacturer bailouts (thanks Bush), freezing foreclosures (thanks Fannie), expansion of government programs that take jobs from the private sector(thanks Obama), the list goes on. One of the interesting things about this very long list is that it mostly seems to be about what the government can do to fix the economy, instead of what the individual can do. The government has a habit of trying to tell business what to do, then trying to prop business up to keep it from failing. This has created problems that won’t be fixed by more of the same. If you really want to talk about “Change” then you need to talk about what individuals can do to put the US economy back on track instead of what the government is going to attempt to do.”

Raymond presents New Credit Card Rules posted at Money Blue Book.

The Past

Leon Gettler presents Why did the housing meltdown happen in the US? posted at Sox First, saying, “Why did the housing meltdown happen in the US? Because the US had unique conditions. It couldn’t happen anywhere else.”

Robert Sanders presents Why Wall Street's Brightest Minds Could Not Save The Financial Crisis | The Bailout Economy posted at The Bailout Economy.

Michael Cintolo presents The Year in Verse posted at The Iconoclast Investor.

Investing School presents Not All ETFs are Good Investments posted at Investing School, saying, “Be careful out there and know what you are investing in! Never invest just based on the name!”

Michael Cintolo presents Calm in the Storm posted at The Iconoclast Investor.

Silicon Valley Blogger presents Financial Crisis In The Media: Is The Economic Crisis Overhyped? posted at The Digerati Life, saying, “Thanks!”

Steve Faber presents - The ARM – What is an Adjustable Rate Mortgage Loan, and How Did it Get So Many Homeowners Into So Much Damned Trouble? posted at DebtBlog.

The Present

Robert Johnson presents THEMELTDOWNTODAY.COM: Jobs in the Ecomony - First Blog posted at The Melt Down Today.com, saying, “To assist people in financial decisions based on information gathered from around the world.”

Robert Johnson presents 8 really, really scary predictions from CNN Money Fortune Experts posted at The Melt Down Today.com, saying, “Discussion regarding the Economic Financial Crisis.”

William James presents Denver Climbers Coalition posted at Wilderness Exchange Unlimited.

Andrew Edgington presents Safe and Profitable Property Investments posted at Best On-line Mortgages, saying, “Mr. Shaw’s new book exemplifies his journey from struggling window installer to UK millionaire for the reader’s benefit. When you read this powerful book, chances are you will not be able to stop reading it until the stunning conclusion.”

Andrew Edgington presents Cyprus Increases Its Investor Appeal posted at Cyprus Informer, saying, “Discover Cyprus property Investment issues on this information packed blog which is dedicated to giving free independent tips on property investment and travel.”

The Neave presents Lifestyles of the Overpaid and the Famous | posted at Less than meets the eye.

One Family presents Frugal Living – Ten Great Gift Ideas for Frugal Families (Christmas Holiday Shopping Tips) posted at One Family’s Blog.

Robert Johnson presents Another Bubble - What is the Fed Hiding from us? posted at The Melt Down Today.com.

Andrew Edgington presents A Successful Business at Home posted at Internet Success Strategies, saying, “I have 3 slots remaining for the Super VIP Program where I will work one on one with you to help you earn $30,000 Every Single Month!”

Sandy Naidu presents Bernard Madoff’s Ponzi Scheme posted at FutureNestEgg.

financefanatic presents Bears Hibernate While Bulls Fight Through Unemployment Numbers posted at Crash Market Stock - Stock Tips To Make Money During A Recession, saying, “Good ideas to suggest we are still in a strong financial dilemma.”

Howard Ditkoff presents Recognizing the Shameful Ostracism of Ecological Economics During America’s Economic Crisis posted at SystemsThinker.com Blog, saying, “This is a commentary regarding the way ecological economics has been left out of the debate during our current economic crisis. While this piece is actually published on the main part of my website, and so is not technically a blog piece, I do have a blog, which I’ve linked to above.”

Angry Max presents Call Me a Bank: Now Pay Me posted at Pterodactyl Puke.

Joy presents The Madoff Dream and the Mad Cow Disease posted at Fulfilled Dreams, saying, “The Madoff Dream and the Mad Cow Disease, what do they have in common?

They spark schizophrenic fear, they put economies onto a halt, every business in the sector gets quarantined at the slightest hiccup and the farmers always lose their shirts…”

Mr Credit Card presents The New Credit Card Rules | Ask Mr Credit Card’s Blog posted at Ask Mr Credit Card.

Isaac Yassar presents Why You Should Never Be A Part Time Writer posted at Isaac Yassar .com, saying, “Financial crisis is not a valid reason to get yourself a part-time job. Learn here why. Your feedback is greatly appreciated.”

Isaac Yassar presents 2 Requirements Of Definite Success posted at Isaac Yassar .com, saying, “You CAN survive and even earn more success even in the middle of a financial crisis/recession. Success has two simple requirements, the problem is, can YOU handle them? Feedback on this post is greatly appreciated.”

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.

Technorati tags: financial crisis, blog carnival.