Welcome to the September 3, 2007 edition of festival of under 30 finances.
Aaron Wakling presents Credit Cards - A Necessary Evil posted at The Credit & Credit Card Blog, saying, "Well you probabaly already know the answer to this one. I cover good uses for credit cards and bad ones. Its a good article for anyone concerned about if they should use their credit cards to make purchases."
Eric Hudin presents My Estate Planning Career Blog » Blog Archive » Selecting a Good Trustee - Factors to Consider When Choosing a Trustee posted at My Estate Planning Career Blog, saying, "Wills and Trusts are an important financial vehicle for transferring wealth. But who should manage your trust? I'll tell you how to pick the best person."
Frugal Panda presents Frugal Summers: 101 Ways to Entertain Yourself and Your Family posted at Frugal Panda.
Tim Ramsey presents How to Pay Off Credit Card Bills posted at My Debt Relief Blog, saying, "Trapped in credit card debt? You can get out of the credit card trap with my sure-fire way to pay off those pesky bills."
Eric Stanley presents Two Investment Mistakes posted at Personal Finance Blog Articles, saying, "Are you finding good investments for you new money? Or are you doing the right thing and also finding better investments for your OLD money?"
Josh presents Option Premium Valuation: Time and Intrinsic Value posted at The Mad Money Analyst, saying, "A good review of how to effectively evaluate options premiums. This gives investors a clearer view of what exactly effects prices and premiums of options. Markets have lately been increasingly volatile and this will help you find those right entry points and calculate volatility profitability. Make more on your investments."
Jimmy Atkinson presents Everything You Need to Know about Marriage and Money posted at Ask the Advisor.
Matthew Paulson presents Sick of Your Job? What to Consider When Starting a New Career posted at Getting Green.
Jason Elder presents 100k In Credit Card Debt Is No Reason To Go Bankrupt posted at A Bankruptcy Lawyer's Blog, saying, "Years ago bankruptcy was only used by business to obtain relief from its debtors. Today 1 out of every 7 people has filed bankruptcy and walked away from thousands of dollars of credit card debt."
Aaron Wakling presents Protecting Your Credit Card Information Online posted at The Credit & Credit Card Blog, saying, "While shopping online is the latest and greatest trend for consumers, hackers and other dishonest people have also turned to online shopping as a way to obtain credit card information for fraudulent use."
Eric Hudin presents Protecting Your Finances and Assets Offshore posted at My Estate Planning Career Blog, saying, "When it comes to the question of when to protect your assets and finances offshore your financial, legal and tax advisers will always tell you there is no such thing as taking action to protect your fiscal situation too soon, especially if you want to go offshore for some form of direct affluence protection reasons."
Allen Taylor presents Good Stock Investments - How To Spot The Best Stocks For Your Portfolio posted at Investing World Today, saying, "So what are some good stock investments for your portfolio? Just about everybody wants to know this. The truth is, the answer all depends on what type of investor you are."
Tim Ramsey presents Consumer Debt Is A Financial Killer posted at My Debt Relief Blog, saying, "A crucial step in creating wealth is to reduce your dependence on credit cards and ensure future monthly payments on all of your cards combined never exceeds 10% of your after tax income."
Thomas Humes presents Value Creation Creates Wealth posted at Wealth Building World, saying, "If you truly want to be rich then you need to find a way to create as much value in the world as possible. Rich people go around asking themselves what they can do better for other people. They understand that if they can make life easier and/or better for as many people as possible, they will get rich."
Bryan C. Fleming presents Buying into a Down Stock Market posted at Bryan C. Fleming, saying, "Did you ever think of playing the stock market? Why not just watch me loose all my money instead. In this artile I talk about buying into a down stock market. Yes, it's just like gambling... only legal!"
Vahid Chaychi presents What Is Forex and How to Make Money with It? posted at Internet and Search Engine Marketing, saying, "Forex is one of the best work at home opportunities. It is good because it doesn't need any marketing, referring and recruiting. If you learn it properly, you can make lots of money but it can be also risky if you start trading before you learn."
Save Money presents How I Save Money.net » Blog Archive » Step Three to getting Rid of Debt posted at How I Save Money.net.
Sam presents Buy the Perfect Car. Tips to Save Money on Your Auto Purchase posted at Surfer Sam and Friends.
Millionaire Mommy Next Door presents How to Treat Affluenza: Spend Less and Live a Happier Life posted at Millionaire Mommy Next Door, saying, "The number of "very happy" people peaked in 1957, and has remained fairly stable or declined ever since. Even though we consume twice as much as we did in the 1950s, people were just as happy when they had less. 86% of Americans who voluntarily cut back their consumption feel happier as a result."
Logan Flatt, CFA presents Change the Game: Replace Your Credit Score with Your PowerWealth Debit Score™ posted at PowerWealth.com.
Marlon J. Broussard presents The True value of Money in Our Age | MoneyBlog posted at MoneyBlog, saying, "The point is not to just point out the fact that a dollar is only worth 4 cents (about the exact cost of printing, regardless of the denomination), but to shed light on some things you need to be mindful of:"
Chris Russell presents Working Hard Does Not Produce Success posted at Productivity Planner, saying, "Yes, we work hard to be successful, but we also have to choose to be successful. It is a decision. It is a conscious effort. It takes mental discipline. It is a deliberate mindset."
Sagar Satapathy presents 100 Things Every College Student Should Do Before Graduating posted at Student Loan Consolidation Lowdown.
KCLau presents Hacking your Cash Flow & Net Worth Chart posted at KCLau's Money Tips, saying, "Learn how to hack the cash flow and net worth charts of the rich and you will be heading towards financial freedom in no time."
Saving for retirement
KCLau presents Investment Replacement Feature in Investment-linked Policy that Beat Unit Trust posted at KCLau's Money Tips, saying, "Investment-linked plan (ILP) is probably the first life insurance policy you buy in Malaysia if you are below age 30 this year. The new business premium collected for ILP will exceed traditional policy in the very near future. In this article, I will show you a special add-on rider that makes ILP stands out as the most wanted policy by young people. This feature is called “investment replacement“."
John Crenshaw presents Top 3 Reasons Mortgage Rate Shopping Will Kill You posted at Truthful Lending dot Com, saying, "It's true...you will cause yourself nothing but pain by shopping for a mortgage based on rate alone. Read on to find out what I mean."
Larry Russell presents The Biggest Personal Finance Story of the Past 30 Years (Part 2) posted at THE SKILLED INVESTOR Blog, saying, "The biggest personal finance story of the past 30 years has been the dramatic growth of the market capitalization of financial services firms within the U.S. equity markets. The reason that this is so important to your personal finances is pretty straightforward. Simply put, most individuals pay far too much for financial products and services. Their continuing over payments show up in the increasing value of financial services company stocks. People have paid far too much for years, and the industry's excessive charges have been increasing for years."
KCLau presents How A Fresh Graduate Plan to Retire in 8 years posted at KCLau's Money Tips, saying, "A committed fresh graduate tells his story about his desire to plan for retirement as soon as possible."
teaspoon presents Do You Have an Emergency Fund? - If Cash is King, Then Don't Neglect His Good Looking Brother, the Prince of Credit! posted at www.TeaspoonFinance.com - Financial wisdom, one teaspoon at a time..., saying, "This post discusses the hidden untapped investment potential in many financial plans, the emergency fund cash. I discuss the advantages of totally investing your emergency fund cash in high yield options (maxing out 401k, maxing out espp & espp free money, mutual funds, etc.). I go on to discuss the fact that you can put together an all credit emergency fund that is just as powerful and possibly more advantageous than your old cash emergency fund."
Ryan presents The Dirty Dozen Credit Card Traps posted at Care on Credit, saying, "Everyone in the industry wants to sell you a credit card. Don't be fooled by the offers. We present a dirty dozen traps and tricks used by credit card peddlers to fill their pockets and empty yours."
Abdulrasool Sumar presents How to Create a Debt Consolidation Plan posted at 3 Debt Consolidation Community, saying, "Cash-Out Refinancing is another option available. With Cash-Out Refinancing, you take out a new mortgage on your home that is larger than the existing one you have. For example, if you currently have a mortgage loan of $100,000 while the value of your house is $150,000, you could take out a bigger mortgage loan of $131,900 ($100,000 for the mortgage loan on the house + $31,900 to pay off all your debts)."
Warren Wong presents Why You Should Invest For The Long Term posted at Personal Development for INTJs, saying, "Are you buying and selling stocks a lot? Here's why you should invest for the long term."
Tyler presents Why Investors Jump From Skyscraper Windows! posted at Dividend Money, saying, "Saving for retiremetn can be tricky unless we can learn to control our emotions during market corrections."
Aaron presents Seven Important Things to Consider When You Apply for a Credit Card posted at College and Finance, saying, "Establishing good credit is important for your financial future, and can help you save a lot of money in the long run. This article outlines seven important considerations in applying for a credit card."
teaspoon presents Zen and The Art of Personal Finance in 4 Steps posted at www.TeaspoonFinance.com - Financial wisdom, one teaspoon at a time..., saying, "Explore applying some of the principles of Zen to personal finance."
Ryan Russell presents Saving money without calling names posted at My Money Thinks, saying, "Why do generic goods cost less? The main reason is simple - marketing and advertising! Private label products require less than 2% of sales to be spent on marketing, whereas manufacturer brands spend 10-40% of sales. It's easy to find a less expensive version of LOTS of things you buy on a regular basis, but just how much money can you save?"
Abdulrasool Sumar presents How to Negotiate Debt Obligations with Creditors posted at 3 Debt Consolidation Community, saying, "If creditors do not receive on time payments from you, they will often report your delinquency status to the major Credit Bureaus (Experian, Equifax and TransUnion). But what if you are willing to make payments to the creditors, but not the full amount they are asking for? For example, you have $15,000 of credit card debt and your minimum monthly payment is $375. However, you can only afford to pay $200 a month at the moment. How do you negotiate with your creditors so as to get the payment terms to your advantage and get negative items deleted off your credit report?"
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