Festival of Under 30 Finances - May 30, 2008

Welcome to the May 30, 2008 edition of festival of under 30 finances.

InvestorBlogger presents LCD TV vs. Credit Card Debt - Is it really worth 12 years? | InvestorBlogger posted at InvestorBlogger, saying, "Should you buy an LCD TV after all?"

ChristianPF presents 6 Tips for a Debt Free Christmas posted at Money in the Bible | Christian Personal Finance Blog, saying, "6 Tips for a Debt Free Christmas"

Sagar presents 12 Surprising Implications of London?s Replacing New York as the World?s Financial Center posted at Currency

Everything Finance presents Investing is boring. Well, It should be! posted at Everything Finance.

Timothy Sykes presents Timothy Sykes - Where I Find What Stocks I Will Trade posted at Timothy Sykes, saying, "People are always asking me how to find stocks to trade--here's the answer!"

Thomas Humes presents Simple Habits That Lead To Wealth posted at Wealth Building World, saying, "Wealth creation is a combination of rules and habits. Here’s the number one rule, if you want to be wealthy, its not how much money you earn, its not how many cars you drive, it is how much you can save and invest and that’s the key."

Roshawn Watson presents What's Your Financial Blueprint? posted at Watson Inc, saying, "Someone recently asked me if I was aware of all of the lotto winners who eventually end up poor and degenerate. My response was, you bet. This occurs rather frequently, and I firmly believe that this is a direct result of prospering materially while being inwardly bankrupt. They are essentially poor people with money."

Timothy Sykes presents Timothy Sykes - MOJO and the Markets posted at Timothy Sykes, saying, "I have found the cause of the market's recent downturn! (spoof)"

BigDreams presents Budget: How Bare Boned Can it Get? posted at Big Dreams and Small Change, saying, "My first submission!"

Bonnie Krueger presents Is It Better To Get A Federal Student Loan Or A Private Student Loan? posted at Student Loan Consolidation.

David presents Tips for Business Start-ups | Helping you Start your own business » Financing, loan and investments for a Corporation posted at, saying, "Corporations have an easier time finding financing than partnerships and sole proprietorships because they offer a formal structure to investors and lenders."

David presents Tips for Business Start-ups | Helping you Start your own business » Taxes S-Corporation posted at, saying, "An S-Corporation’s earnings will pass through to your income taxes (no double taxation). However, you will have to maintain all the business records and comply with state regulations."

David presents Tips for Business Start-ups | Helping you Start your own business » Corporation Limited Liability posted at, saying, "The corporation is characterized as a separate entity and can offer liability protection to the owners, if the owners adhere to the following corporate formalities:"

Edith presents 7 Business Lessons Learned from Watching Warren Buffet posted at Edith Yeung.Com: Dream. Think. Act..

Dax Desai presents Why $100 Oil Maybe a Good Thing posted at Dax Desai, saying, "Why $100 oil maybe a good thing"

Charles Bennington presents Real Estate Developer Grows in Flips and Bounds posted at Project One Million, saying, "How to make multiples of millions"

David presents Tips for Business Start-ups | Helping you Start your own business » Maintaining Corporate Identity posted at, saying, "It is important to separate the identity of the corporation from its owners."

David presents Tips for Business Start-ups | Helping you Start your own business » Resources are Available for an Import/Export Company posted at, saying, "US Business Advisor, this is the federal government’s guide to international trade for small businesses. In this website, businesses can find essential information on laws and regulations, finance, trade leads, and associations and agencies that promote international trade."

David presents Tips for Business Start-ups | Helping you Start your own business » International Trade Loan posted at, saying, "The International Trade Loan is designed to increase presence in the export market or international trade, or increase local efficiency on markets effected by import competition."

Matthew Paulson presents How to Plan for Retirement If You Don’t Get a 401(k) or a 403(b) at Work. posted at American Consumer News.

Livingalmostlarge presents How to accelerate savings? posted at Living Almost Large, saying, "Best way to accelerate savings? Lower fixed expenses."

Sagar presents 50+ Online Tools to Research, Select, and Donate to Charities posted at Credit Card Lowdown.

Kevin Fleming presents How to Get Satellite TV if You Have Bad Credit posted at Satellite TV Guru.

Michael Bass presents How to settle your debts on your own posted at Debt Prison, saying, "It is true that debt settlement companies provide a service. There are two points that should be made in regards to why debt settlement companies are unnecessary. The first point is that you can perform the exact same functions that they do. This article is about how to settle your debts on your own. Well basically you accomplish this by going through the same steps that debt organizations do."

Wanda Grindstaff presents Success Through Service, the Most Important Component! posted at Creating Abundant Lifestyles.

Larry Russell presents Where's Waldo? - The illusion of superior professional mutual fund manager performance. posted at THE SKILLED INVESTOR Blog, saying, "The effort to find those few supposedly superior money managers willing to sell their services sufficiently cheaply is a costly, time consuming, and futile, "Where’s Waldo?," searching exercise for the individual investor. Many money managers will claim to be superior and few or none actually will be. If such superior money managers did exist, then there should be dozens or hundreds of them who prove their superiority year after year after year. Unfortunately, the scientific finance literature indicates that this is not the case. This year’s star money manager tends to be next year’s average or laggard money manager."

Jason Elder presents Five Top Alternatives To Personal Bankruptcy posted at A Bankruptcy Lawyer's Blog, saying, "If you are considering filing for personal bankruptcy, stop, think and consider the following-"

Allen Taylor presents Business Investment Strategies That Work Every Time posted at Investing World Today, saying, "The secret to investment success is the consistent application of time-proven strategies, not the use of complex, hard-to-understand investment vehicles created by investment bankers out to take your money!"

KCLau presents How to Minimize the Upfront Service Charge in Unit Trust Investment posted at KCLau's Money Tips, saying, "Investment always requires transaction cost. The typical cost in unit trust investment is the upfront service charges (paid to the agent), management fees (paid to the fund managers), and trustee fees (paid to the trust corporation). These costs are inevitable. But when there is a problem, there is always a few strategies to minimize the damage."

Everything Finance presents Why Passive Investing beats Active Investing posted at Everything Finance.

Livingalmostlarge presents Living Almost Large: Single in your 20s? posted at Living Almost Large, saying, "What's it like being single in your 20s? Is it harder or easier than being married?"

The Investor presents How talking about money is like French kissing posted at, saying, "Fun, free and enriching – just as you used to kissing, you need to realise that talking about money is nothing to be ashamed of."

Merry Makowski presents Learn The NEW Think And Grow Rich and Earn Maximum Profit! posted at, saying, "Make Huge Money Fast
Become what you think about"

Alex M presents Products to sell on eBay posted at We talk on making money on the Internet.

KCLau presents What’s Your Time Worth? posted at KCLau's Money Tips, saying, "Value of money is always tied to time element. If you work, you need to understand the basic concept that you’re trading your time for money. Time is a nonrenewable resource, but money? You will be able to make much more money if you understand the relationship between time and money. That’s why one of the fundamental subjects of financial planning is “Time Value of Money”."

Edith presents 99 Life Lessons Learned from Quitting Corporate America posted at Edith Yeung.Com: Dream. Think. Act..

poetloverrebelspy presents Budget Analysis: NYT "Frugal Traveler," Part Deux posted at Less Than a Shoestring, saying, "$500 for a budget getaway weekend? How about $100 instead! Second in a series of posts analyzing the budgeting mistakes of NY Times' "frugal traveler" Matt Gross."

KCLau presents Top 21 List of Financial Sotfware and Application for Efficient Money Management posted at KCLau's Money Tips, saying, "Managing money is a lot of work. But with the help of technology, it is just a matter of inputing data. Here is a list of all the softwares and online applications that can assist you to keep track of your finance more efficiently."

Dax Desai presents ETF’s for the Falling Dollar posted at Dax Desai, saying, "ETF’s for the Falling Dollar"

Dan-O presents How to Make Real Life Money in the Second Life Virtual World posted at - Discover. Inspiring . Media, saying, "People are making millions of real dollars in the virtual real estate business. Are you missing out on the next Web gold rush?"

Dorian Wales presents Personal Financier: Why Taking on a Mortgage Is Leveraging: Understanding the Potential Risks and Benefits posted at Personal Financier, saying, "Buying a property with a combination of equity and mortgage is actually leveraging your own equity. Leveraged transactions hold significant potential benefits and, more importantly, significant potential risks. It is important to understand why leverage is the source of these risks and benefits."

Everything Finance presents Mortgage Escrow: To Do Or Not To Do posted at Everything Finance.

B.H. presents How to Make Money Off Interest Free Credit Card Offers posted at Bentley Humphreys, saying, "There are obviously a countless number of ways to invest money these days, however one is so fascinating we decided to test it out here at It’s called credit card arbitrage. It involves utilizing funds garnered from no interest credit card offers, and investing the money in various traditional avenues. Here’s how it works...."

Ryan Russell presents It’s All Cash For Christmas! posted at My Money Thinks, saying, "The extra income helps ease the financial pressure of the birthday in the middle of all the other holiday spending"

Dereck Coatney presents Why A Guy Who Never Wants To Buy A Bank Is Thinking About Buying A Bank posted at The Best Stock Trading in the World.

Kingsley Tagbo presents How To Improve Your Skills And Get A Lucrative Job posted at HOW TO LEARN COMPUTER PROGRAMMING FAST OR GET A JOB EASILY.

the baglady presents Talking About My Generation — Generation Y in the Workplace posted at xynny.

Super Saver presents More Than 40% Pay Zero Federal Income Tax posted at My Wealth Builder.

Edith presents Stewart Hsu » Real Estate News posted at Stewart Hsu.

Jesse Moran presents The Frugal Way of Living Blog posted at CompGifts - The Frugal Way of Living.

Jose DeJesus MD presents Your Money - Secrets of Interpreting Morningstar Ratings Profitably posted at Physician Entrepreneur.

Dan-O presents Mega Online Comic Manual: Create, Share and Profit from Webcomics posted at - Discover. Inspiring . Media, saying, "How to make money and have fun creating webcomics and publishing them on the Web."

Stephen Joseph presents Eternally In Debt, Eternally Free posted at Steve H. Joseph's Creative Self-Expression Blog, saying, "Your outer debts may reflect some deeper inner conflicts. As a twenty year old, I had a lot of hangups about my place in the world that generated a lot of problems for me. Then one morning I discovered some much needed liberation. Career and Finances are a lot less painful for me now."

Shaun Connell presents Five Lifestyle Tips I Wish I Knew When I Started posted at Make Money Online, saying, "Eighteen-year-old Shaun Connell describes the tips that he utilized to find success online. From his all new blog describing how he achieved online success."

Roshawn Watson presents Four Ways to Stay Encouraged While Paying Debt posted at Watson Inc, saying, "For most, paying off debt is relatively simply but incredibly difficult and not fun, especially when the loans are large. One reason it is so difficult is because somehow we feel like since we made up our minds to pay off our loans, they should disappear immediately. Here are four ways to stay encouraged while paying off debt."

Jose DeJesus MD presents Your Money - The Flight To Quality posted at Physician Entrepreneur.

Jesse Moran presents Shopping with Coupons : Paper = $$$ posted at CompGifts - The Frugal Way of Living.

Larry Russell presents The Fund Authority Score - A Better Mutual Fund and ETF Rating System posted at THE SKILLED INVESTOR Blog, saying, "With the Fund Authority Score system, individual investors can make concise and objective mutual fund and ETF comparisons. Fund Authority Scores are based on cost, performance, and other measures, which are correlated with better long term buy-and-hold investment results."

Ryan Russell presents Carnival of Smart Money #3 posted at My Money Thinks, saying, "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.”"

Todd Goldfarb presents 7 Essential Habits To Acquire Greater Wealth posted at We The Change, saying, "Learn at a YOUNG age these timeless habits for creating great wealth in your life. Start young, so you can enjoy the fruits of your success at an early age!"

Dorian Wales presents Buying a Stock? Keep In Mind Someone Else Is Selling … posted at Personal Financier.

Jesse Moran presents Big List of Budgeting Software posted at CompGifts - The Frugal Way of Living.

Ryan Russell presents Q & A: Does Your Budget Have Breathing Room? posted at My Money Thinks, saying, "An effective budget is a “financial snapshot”. When creating a budget, list liabilities and spending categories in order of priority - food, shelter, clothing, transportation, utilities, medicine, debt payments, etc. Pay all the essential expenses first"

Value Seeker presents Why Most Investors Underperform The Market - Stock Investing Resource posted at Stock Investing, saying, "Reasons why the average investor significantly underperforms market funds."

Ryan Russell presents Will YOUR Account Be ?In The Black? on Friday? posted at My Money Thinks, saying, "If you ARE planning to shop on Friday, these tips will help keep your account “in the black” Buy what you mean to buy - Don’t be taken in by the “special deals” on items that you are not planning to buy anyway"

Ryan Russell presents YES, it is possible to save money on utility bills! posted at My Money Thinks, saying, "Monitor your utility bills and meter readings closely. Install energy efficient appliances, windows and doors when it is time to replace Investigate possibilities for payment assistance"

Jose DeJesus MD presents Portfolio diversification and picking the right asset mix posted at Physician Entrepreneur.

Ryan Russell presents 8 Great Money Gifts for Kids posted at My Money Thinks, saying, "Moon jar - This tool is an excellent way to begin teaching young children about money"

BigDreams presents Is it bad to ask for toilet paper for Christmas? posted at Big Dreams and Small Change.

Ryan-Careonecredit presents The Cost of Credit: Understanding APR and Balance Calculations posted at Care on Credit, saying, "Comparing the APR of loans or credit cards is a quick way to determine which loan or card will likely cost you the most excluding optional fees such as late payment fees, ATM fees, or obtaining a cash advance"

Ryan-Careonecredit presents Bankruptcy - The Last Resort posted at Care on Credit, saying, "Are you considering filing personal bankruptcy? Before you decide to take this irreversible step, make sure you understand what bankruptcy is and how considering bankruptcy may affect you"

The Investor's Journal presents How to Make a List of Rules to Invest By posted at The Investor's Journal, saying, "Many investors learn the hard way what the do’s and don’t’s of the stock market are, but fail to write them down so that they don’t repeat these mistakes over the course of their investing career. You need to make a list of rules to invest by yourself, and this article will show you how to do that."

Ryan-Careonecredit presents Should You Pay Off Debt or Invest in Savings? posted at Care on Credit, saying, "When you're working on a budget, a common question is whether to use your excess cash to rid yourself of debt or build up your nest egg"

Jose DeJesus MD presents Avoid These Mutual Funds - Be Like Goldilocks posted at Physician Entrepreneur, saying, "Improve the performance of your investments with this Goldilocks approach: These Funds are TOO LARGE;These Funds are TOO SMALL; These Funds are JUST RIGHT..."

Jose DeJesus MD presents Select Mutual Funds with Lower Turnover- Your Money posted at Physician Entrepreneur.

ChristianPF presents The one thing I would teach a recent college Grad posted at Money in the Bible | Christian Personal Finance Blog, saying, "The one piece of financial advice I would give a recent college grad."

Michael Bass presents The skinny on Balance Transfers posted at Debt Prison, saying, "Transferring your high interest balance to a new, lower APR% credit card seems like a great idea. Credit card companies have dreamt up this thrifty method for luring you over to greener pastures. I’ve taken the time to review the positive benefits and negative risks associated with Balance Transfers. The cold hard facts should be considered before marching your revolving debt to a new bank. If not done properly you could end up in a worse position than before you made the transfer."

Jose DeJesus MD presents Avoid New Mutual Funds - Seasoned Funds are a Better Bet posted at Physician Entrepreneur.

FIRE Getters presents Warning - Bank of America's Sneaky Fees! posted at FIRE Finance.

Blaine presents Frugality, America's worst nightmare posted at, saying, "Frugality is corporate America's worst nightmare. With so many corporations relying on you to compulsively spend money, it's no wonder they're rich and we're not."

Cash Money Life presents Where to Find Inexpensive Flu Shots posted at Cash Money Life, saying, "This is a list of great places to find an inexpensive flu shot - something that is very important this time of year!"

Value Seeker presents Common Mutual Fund Investing Mistakes posted at Stock Investing, saying, "Many investors make the same mistakes when investing in mutual funds, such as paying loads and other high expense fees."

Storm presents Being frugal posted at Watch Me Become A Millionaire.

Jay M presents Business Plan Basics II posted at 4 entrepreneur, saying, "A great resource for entrepreneurs and small businesses"

Chris presents How much money do you need to retire? posted at nomad4ever.

Chris presents How to Retire in your 30's posted at nomad4ever.

Edith presents Sam Zell says Subprime Crisis Manageable posted at Stewart Hsu.

Ryan-Careonecredit presents Learning About Debt Relief Programs posted at Care on Credit, saying, "Debt relief comes in many forms — credit counseling, debt consolidation loans, settlement and even bankruptcy"

David presents I Will Teach You How to Become a Millionaire posted at Worldwide Success.

Ryan-Careonecredit presents Do You Need Debt Relief? posted at Care on Credit, saying, "Feeling overwhelmed by your debts? Having trouble making ends meet? Unable to get ahead of your credit card debts? A Debt Relief plan may be your solution to getting control of your finances"

Ryan-Careonecredit presents Understanding Your Debt-to-Income Ratio posted at Care on Credit, saying, "Debt-to-income ratio is the percentage of your income you use to pay your debts. Most banks and financial professionals agree that you should keep your debt-to-income ratio at less than 36 percent of your gross income"

Lulu presents How to make the most of Cash Back Credit Cards this Christmas posted at How I Save

Tyler McKinna presents The Secret of the Compounding Salary posted at Dividend Money, saying, "An article about understanding the true benefits of your annual raise."

The Credit Card Guy presents How to Automate Your Savings with a Credit Card posted at Credit Cards That Pay.

Alex M presents What Everyone Should Know About Taxation posted at Personal finance strategy.

ChristianPF presents Warren Buffett Videos posted at Money in the Bible | Christian Personal Finance Blog, saying, "10 video lessons from Warren Buffett on investing, business, and life."

poetloverrebelspy presents Hotel Ratings from Consumer Reports posted at Less Than a Shoestring, saying, "Are you surprised? Top budget hotel brands meet or exceed the ratings of a number of higher-priced hotel chains. Find out why -- and the sneaky fees you need to watch out for -- in this post."

Lori Prokop Keyboard Culture Co-Founder presents The First Financial Planning Step to Achieve Financial Freedom posted at Marc Woolf Personal Finance Expert at Keyboard Culture Expert Community, saying, "In his article “The First Financial Planning Step to Achieve Financial Freedom,” Keyboard Culture Personal Finance Expert Marc Woolf gives us an exercise illustrating the first step to focus on what you desire, because whatever you focus on is drawn to you. Marc Woolf gives you steps to determine and create what you want in your life at his Keyboard Culture Personal Finance blog."

Dax Desai presents You're Not So Special - Affinity Marketing posted at Dax Desai, saying, "Those special offers for affinity groups may not be such a good deal after all. Dax disects an offer to a medical group member for a "special offer" on term life insurance."

Ryan Russell presents We Spend What We Want to Spend! posted at My Money Thinks, saying, "Absolutely, there are financial challenges facing our country this holiday season. We spend what we want to spend"

Wenchypoo presents The Beginning Frugalite Coupon Primer posted at Wisdom From Wenchypoo's Mental Wastebasket.

Value Seeker presents Stock Investing Vs. Stock Trading - Stock Investment Resource: Stock Market Investing Tips posted at Stock Investing, saying, "Describes the advantages and disadvantages of stock investing compared to stock trading."

Wenchypoo presents For the Beginning Frugalite--Purchase or Investment? posted at Wisdom From Wenchypoo's Mental Wastebasket.

Don Morrison presents 1, 2, 3 GET IT DONE! posted at Discount Shopping Card, saying, "This is an excellent little piece of computer software! It will keep you motivated to reach your budgeting goals! It is also an ABSOLUTELY FREE - NO COST (no ads) download."

Ryan Russell presents Priceless posted at My Money Thinks, saying, "One way or another, Christmas shopping will come to an end today. The last store will close; the last delivery truck will run; and the family gatherings will begin"

Ryan Russell presents Money Motivation for the Middle of the Month posted at My Money Thinks, saying, "Unless money and spreadsheets and budgets are “your thing”, the process of budgeting can be overwhelming and boring"

Ryan Russell presents Many Happy Returns? posted at My Money Thinks, saying, "It’s one thing to explain that Santa got the helmets mixed up with some other boys and girls but quite another to return helmets that have already been opened! Here are a few tips for many happy merchandise returns"

Ryan-Careonecredit presents Save Money On Your Credit Card Bills posted at Care on Credit, saying, "The timing of when your payment reaches the credit card company can have a significant impact on the amount you pay in monthly finance charges"

Ryan-Careonecredit presents Disputing A Credit Card Billing Error posted at Care on Credit, saying, "Keep in mind it only applies to revolving credit accounts such as credit cards, department store cards, and overdraft protection for your checking account"

Ryan-Careonecredit presents Charge Card, Credit Card, Debit Card – Which One Is Rightfor You? posted at Care on Credit, saying, "The common feature is the convenience they provide. But are you aware of the unique differences? Understanding how different cards work will help you use them smarter"

Ryan-Careonecredit presents Reduce Your Credit Card Debt and Save Money posted at Care on Credit, saying, "The credit card business provides a very useful and beneficial service to cardholders. These companies make money, lots of money, when you let your balance linger by either making payments later in the billing cycle or only paying the minimum payment amount each month."

Ryan-Careonecredit presents How Does the Fair Credit and Charge Card Disclosure Act Help You? posted at Care on Credit, saying, "You should understand why information is provided to you and how valuable it is when you can make decisions about using credit."

Investing Angel presents Is Trading For You? posted at Stock Tips, saying, "See if stock trading is the right for you!"

Wenchypoo presents Planning Ahead for Next Christmas posted at Wisdom From Wenchypoo's Mental Wastebasket.

ChristianPF presents Primerica pros and cons | posted at Money in the Bible | Christian Personal Finance Blog, saying, "Discussing the pros and cons of Primerica."

Wenchypoo presents More False Economies posted at Wisdom From Wenchypoo's Mental Wastebasket.

Investing Angel presents Common Stock Investing Mistakes posted at Stock Tips, saying, "As we go into 2008, let's recap some of the common mistakes we all make and strive to avoid making them in 2008. 1. Trading too often. This largely depends on the size of your asset base."

SpiKe presents Be A Smart Shopper During The Sales posted at Organize IT.

The Stock Teacher presents Tips For Cutting Down On Trading Fees posted at Stock Investment, saying, "Advice on how to cut down on your stock trading fees and improve your returns!"

Market Breaker presents Getting An Edge On The Market posted at Stock Investing Tips, saying, "A few ways to maximize your returns and get an edge on the market!"

Investing Angel presents Invest In What You Know posted at Stock Tips, saying, "If you are going to beat the market, you will need to do something better than most investors out there. This is no easy task. Remember, most money is managed by professionals. To beat the market, you need to know something that most professionals don't know about the stocks you trade."

Warren Wong presents How To Learn To Make A Good Investment posted at Personal Development for INTJs, saying, "Describes the most effective method for learning to invest well."

Jose DeJesus MD presents Market Timing - When is the Best Time to Invest New Money posted at Physician Entrepreneur.

James D. Brausch presents How to Feel Successful posted at Internet Business Blog, saying, "Are you wasting time, pretending you have an internet business?"

Head Pig presents Lipstick This Pig | Pig Logic Recession, Recession, Recession posted at Recession, Recession, Recession.

Investing Angel presents Tips For Shorting Stocks posted at Stock Tips, saying, "In today's unstable market, many people are considering shorting stocks. This might be because they believe the market is going to get worse, so they want to bet against the market or they just wish to hedge their bets."

Wenchypoo presents Universal Health Care Blues: Patient Stacking posted at Wisdom From Wenchypoo's Mental Wastebasket, saying, "What am I doing with my money? Spending VERY carefully, investing in TIPS (for now), and planning tax strategy for next year and if a Democrat takes office."

Sagar presents The Open Source Online Finance Guide: 50+ Freeware Online Tools to Manage Your Money posted at Smart Shopper: Personal Finance Advisor.

Life. Money. Development. presents posted at Life. Money. Development., saying, "A neat collection of diet tips for keeping cholesterol in recommended levels."

Mr Credit Card presents College Student Credit Cards Primer posted at Ask Mr Credit Card, saying, "My money is invested in several managers - 75% stocks 25% bonds. It is automatically rebalanced so I do not worry about rebalancing. There is also reits and hard assets in my portfolio."

Niharika presents How to Throw a Kickass Frugal Bar Mitzvah posted at Frugal Panda.

James D. Brausch presents False Security Thinking posted at Internet Business Blog.

Mark Butler presents Funding Your Life: Part 1 posted at The Butler Project, saying, "What am I doing with my rebate money? Ironically, I'll be paying taxes with it.

This is a great article about how empowering it is to have a working budget."

Jeremy Zongker presents Skip the “Skip-payment” Act of Kindness from Your Credit Card Lenders posted at Creditor Web.

Jeremy Zongker presents 11 Reasons Why You'll Want to Live on a Budget posted at Destroy Debt.

Livingalmostlarge presents Revealing your Finances? posted at Living Almost Large, saying, "When should you reveal your finances to someone your dating? Immediately? Not until you're serious? Is there an appropriate time and place to do so?"

Michael Bass presents The Economics of Gold Investments posted at Debt Prison, saying, "The real question is can a discretionary paper currency managed by Central Bankers perform as well a gold standard?"

Michael Bass presents How to seek bargains for food and clothes posted at Debt Prison, saying, "There are lot of ways to pay more than you have to for food and clothing. Though it may require a little more shopping, seeking bargains on food and clothing will save you hundreds or thousands of dollars each year."

Aussie Investor presents What Is Personal Finance? posted at Money Management Personal Finance Blog, saying, "This article is an introduction to personal finance. What is it and why is it important?"

Stephen Thomas presents Short Term Loans « Short Term Loans posted at Stephen Thomas.

KCLau presents Knowing your enemy - Inflation! posted at KCLau's Money Tips, saying, "Article on what inflation is, what causes inflation and how we as consumers can outstrip inflation."

Patrick A. Sizemore presents 10 Guilt-Free Splurges for Students posted at College Information for Smart Students.

Aussie Investor presents Great Stock Market Investing Minds - Benjamin Graham posted at Stock Market Investing For Beginners, saying, "Benjamin Graham was one of the stock market's greatest minds. His writings are unparalleled in the field of investing. "The Dean Of Wall Street" is considered to be the father of modern value investing. No financial education is complete without learning about Benjamin Graham."

Steve Faber presents - How to Make a Budget – Your Ultimate Plan for Financial Success posted at DebtBlog.

Steve_Leung presents Consumer Rights When Purchasing New Homes posted at Silicon Valley Real Estate Blog, saying, "Buyers often make the mistake of thinking that a new home is like a new car built by robots off an assembly line. The reality is that the quality control and negotiation strategies are quite different. Here are some tips that keep that new home purchase from being a major personal and financial headache."

Sagar presents The Credit Card Affiliate Site Setup Toolbox: 70+ Essential Tools posted at Smart Shopper: Personal Finance Advisor.

Heather Johnson presents Top 100 Resources for Conscientious Consumers posted at EcoTrekker.

poetloverrebelspy presents ITB Impressions: Beer Tourism posted at Less Than a Shoestring, saying, "Despite an increasing interest in microbrews and specialty beers from breweries around the globe, there’s no need for you to travel across the planet or join a bus tour to enjoy an afternoon of beer tasting or a brewery tour. Find my links for planning your own (inexpensive) beer tourism in this post."

Heather Johnson presents 10 Tips for Staying Positive in a Negative Market posted at Investing Blog.

Jorge H. presents Have We Hit the Bottom? posted at My Adventures into The Street, saying, "Have we hit a near term bottom in the stock market? Some folks believe so. The technicals may be showing it as well."

teenvestor presents Finding Stocks to Research posted at Value Investing, and a Few Cigar Butts.

Wenchypoo presents Inflation—Here We Go Again posted at Wisdom From Wenchypoo's Mental Wastebasket, saying, "What am I doing with my money? Continuing savings, cutting spending, and planning carefully about what to do when this recession is over--it won't last just feels like it will."

Heather Johnson presents 3 Lesser Known Factors Affecting the Forex Markets. posted at You Are The Worst dot Com.

Jeremy Zongker presents Are Low Interest Credit Cards Really a Good Deal? posted at Creditor Web.

Nadege presents Learn why allocating your paycheck is the key to becoming wealthy posted at fabulous finances.

Praveen presents The IRS Are Humans, Too... posted at My Simple Trading System.

Sagar presents Are Bernanke?s Hands Tied? 8 Reasons the US May Be in Worse Trouble Than You Think posted at Currency

Jeremy Zongker presents All I Really Needed to Know About Managing Money I Learned From Music posted at Destroy Debt.

Life. Money. Development. presents The 7 Attributes of Leadership posted at Life. Money. Development., saying, "An excellent presentation of the attributes every leader should have."

Jeremy Zongker presents How to NOT Live on a Budget posted at Debbie's Debt Advice.

Wenchypoo presents This Just In: The Death of the Coupon posted at Wisdom From Wenchypoo's Mental Wastebasket.

Wenchypoo presents The Death of the Coupon, Part II posted at Wisdom From Wenchypoo's Mental Wastebasket.

Dorian Wales presents How I Saved Over 3,000$ In One Hour posted at Personal Financier.

KCLau presents How to Identify and Invest in the Hot Stocks of Tomorrow posted at KCLau's Money Tips, saying, "A review of the book "Finding the Next Starbucks by Michael Moe.""

TV Girl presents Choosing Fight Over Flight posted at TV Girl and Money.

Sam presents New Car Features and Buying Tips ! Surfer Sam posted at Surfer Sam and Friends, saying, "The News About New Cars
Brand new features for fun and safety.
Smarter, safer cars are taking care of us"

Michael Bass presents Debt and Depression posted at Debt Prison, saying, "I’ve learned to focus on what I do have. I have so much to be thankful for. Don’t we all?"

Wenchypoo presents This Just In: "Green" Careers posted at Wisdom From Wenchypoo's Mental Wastebasket.

Brice Hogan presents Building a Strong Financial Foundation | posted at, saying, "The steps it takes to create a strong financial plan."

The Investor presents Hands off our falling house prices posted at, saying, "Why are rising prices for wheat and rice bad, and yet falling prices for houses not thought of as good? The truth is that for many people, lower real estate prices can't come soon enough."

Joe Manausa presents Florida College Enrollment - Does ?Prepaid? Matter? posted at Tallahassee Real Estate Blog, saying, "Reviewing admissions with Florida’s public universities. Apparently, having a 4.0 GPA is not enough. Bear in mind, I was accepted to West Point in the mid-1980’s with a GPA in the low 3.’s, so I’m wondering why our state is so broken it cannot create opportunity for kids who have obviously demonstrated that they want to learn at a higher level."

FIRE Getters presents Three Good Habits of Successful Retirees posted at FIRE Finance.

Jeremy Zongker presents Election Promises posted at Debt Comics.

Jeremy Zongker presents Understanding Frozen Credit posted at Creditor Web.

Investing Angel presents Studying The Stock Market Trends During Recession » Free Stock Market Investing Tips posted at Stock Tips.

Abdulrasool Sumar presents 401k Plans for a Small Business Owner posted at 401k, saying, "Contributing to a 401k plan has become ever more easier for small business owners as a result of new legislation brought about by the Economic Growth and Tax Relief Reconciliation Act of 2001 (EGTRRA). The EGTRRA has made 401k plans more flexible, easy and beneficial for a small business owner. First, a small business 401k is also known by its other names; Individual(K), Solo 401k, or Self Employed 401(k). Another common misrepresentation of small business 401k plans is that only sole proprietors can open them. This is incorrect; infact partnerships & corporations can also opt for a small business 401k provided they are owned by eligible plan participants."

KCLau presents Insurance Planning Guide for Malaysians [Review] posted at KCLau's Money Tips, saying, "A review of Insurance planning guide for Malaysians. This book was written to make you more aware of life insurance protection. Hopefully it will prevent you from suffering and regretting over buying insurance for the wrong reasons"

Dorian Wales presents How to Make Saving More Rewarding and Tangible: 5 Practical Tips posted at Personal Financier, saying, "Increasing the tangibility of your savings and rewarding yourself for achievements is crucial for success in this long term effort."

Barb A. Ryan presents Asset Allocation, Investment Asset Tax Location, and Emergency Cash Management posted at Pasadena Financial Planner.

Mike Leonard presents Debt Management Budgets – A waste of time? posted at Until Debt Do Us Part, saying, "How often have you heard that the first thing you need to do in Debt management is to make a budget? I don’t necessarily agree. In fact in a lot of cases creating a debt management budget can be a complete waste of time."

Wenchypoo presents Inflation + Shortages = Stealth Tax Increase posted at Wisdom From Wenchypoo's Mental Wastebasket.

Leaving The Folks presents Creating a Budget posted at Real World Advice, saying, "Setting a budget can go a long way to helping you save money and cut down on debt."

Brice Hogan presents 2 Rules That Will Make You Wealthy posted at, saying, "Trying to become financially independent is tough but if you know these 2 simple rules your potential wealth can be unlimited."

mmhabits presents 8 Ways to Build an Emergency Fund posted at Millionaire Money Habits, saying, "Building an emergency fund is essential to protect yourself from an unexpected event, but don’t be overwhelmed by the amount of money you need to save. Here are 8 ways to quickly build an emergency fund."

ChristianPF presents How to make a budget posted at Money in the Bible | Christian Personal Finance Blog, saying, "A step by step guide to creating a budget."

Steve Faber presents - Tax Return Questions – Some of the Most Common posted at DebtBlog.

Investing Angel presents Why I Sold My Apple Shares Today » Free Stock Market Investing Tips posted at Stock Tips, saying, "Apple is a great brand and a great company, but I still sold my shares of the company recently."

The Shark Investor presents Discover Your Investment Style In 15 Minutes posted at The Shark Investor, saying, "What is your investment style? Discover with this quiz"

Faron Benoit presents Budgeting 101 posted at Financial Learn.

Ken Clark, CFP presents Most Common Federal Student Loan Programs posted at Saving for College -, saying, "Has the rocky economy got you thinking about finishing your degree or going to grad school? Here's a breakdown of the easiest ways to finance a college education."

Margaret presents Financial Doublethink: A Rambling Rant posted at You Might As Well Burn $5!.

Value Seeker presents Stock Investment Resource: Stock Market Investing Tips - Is Small Cap Value The Key For 2008? posted at Stock Investing, saying, "Small cap value stocks performed poorly in 2007. Will 2008 see a resurgence of small cap value?"

KCLau presents Everything you are looking for about Bursa Malaysia posted at KCLau's Money Tips, saying, "A list of sources for you to learn about stocks and shares"

Jed Norwood presents Successful Forex Currency Trader posted at Forex Strategy, saying, "How do you know when you've become a successful forex trader? This post will help you understand when you have become successful, and it doesn't always have to be about money."

Walter W. Fouse presents Avoid Large Actively Managed Mutual Funds posted at Best No Load Funds.

Larry Russell presents The Financial Services Industry is Still the Largest S&P 500 Sector - Even after the Collapse of its Stock Values posted at THE SKILLED INVESTOR Blog.

Michael Bass presents Why Americans Can’t Afford Credit posted at Debt Prison, saying, "Pause for a second and think of the percentage that you feel best represents the amount of income you pay in taxes. Your real tax rate is 40%."

Sarah presents Are You Ready to Buy a House? posted at Tips To Save Money. Learn To Be Frugal, saying, "Buying a house is the American dream, but does your current financial situation allow for it?"

The Fund investor presents Why Invest In Mutual Funds? posted at Mutual Fund Investing Tips, saying, "Many people invest in mutual funds without really understanding the benefits of this type of investment vehicle."

Erica Douglass presents “Secret” eBay and Craigslist Hacks That Will Save You Thousands of Dollars Online posted at - Erica Douglass challenges you to change your life! What is holding you back from your dreams?, saying, "You probably already know that using eBay and craigslist can save you thousands. But how do you get the most mileage out of these sites? I reveal in detail all of the "secret" weapons I use to save thousands of dollars personally and over $100,000 for business."

Everything Finance presents Long Term Investing posted at Everything Finance.

Trevor McKay presents Does Anniuty Fraud Exist? posted at The Annuity Professor.

Stephan Grindley presents Debt Consolidation: The Scare Tactics posted at The Debt Consolidation Advisor.

Mandy Trapper presents Low Cost Options Are Available For The Forex Beginner posted at Forex Trading System Secrets.

Helen Anderson presents 7 Secrets to Personal Finance Success at Best CD (Certificate of Deposit) Rates, Money Market Rates, High Interest Accounts posted at Bankaholic.

Brice Hogan presents How to Create an Effective Spending Plan posted at, saying, "This is absolutely essential to achieve being financially independent later in life. Creating a budget that works is important to control your spending."

Barb A. Ryan presents 10 - Independent Investment Counselors and Financial Advisors posted at Pasadena Financial Planner.

Tip Diva presents Top Ten Tips - Protecting Your Wallet posted at Tip Diva, saying, "Losing or getting a wallet stolen is a very stressful experience, especially if someone takes your money, gets access to your accounts or even steals your identity. But there are ways to prevent or mitigate the damage caused by a lost wallet"

Tip Diva presents Top Ten Tips - Moving Back Home As An Adult posted at Tip Diva, saying, "Maybe you’ve been away at school. Or, your lease may be up and you need an affordable place to stay while looking for a new apartment. Many young adults are moving back home for a variety of reasons, but coming back may be a culture shock. Here’s how to ease the transition"

Tip Diva presents Top Ten Tips - Managing Your Personal Budget posted at Tip Diva, saying, "In uncertain economic times, it’s a smart idea to know where your financial status stands. If you’re looking to start cutting down on expenses, the best way to do so is creating a personal budget"

Tip Diva presents Tip Diva | Top Ten Tips - Finding Your First Post-College Job posted at Tip Diva, saying, "You’re finally done with your two or four years of college and are going into life with your diploma in hand. What’s next? For some people, it may be a summer break or backpacking around Europe, but sooner or later, it will be time to search for your first post-college job. Here are ways to make it easier"

Dollar Frugal presents Dollar Frugal » Blog Archive » Emergency Fund Etiquette posted at Dollar Frugal.

Wenchypoo presents More on the Oil Front: Subsidization By Country posted at Wisdom From Wenchypoo's Mental Wastebasket, saying, "Recession defense: TIPS, gold, oil, and refraining from debt, excess driving, and excess eating."

Investing Angel presents Why Most Investors Buy High And Sell Low » Free Stock Market Investing Tips posted at Stock Tips, saying, "Most investors buy stocks when they are overvalued since they give into herd mentality."

Mag Herrera presents What I like about Credit Cards posted at Life. Money. Development., saying, "A balanced review of credit cards' nature and usage."

Everything Finance presents Find the right Fund Manager posted at Invest In India.

Everything Finance presents Who makes the Tough Money Decisions ? posted at Everything Finance.

Sarah Paine presents Three Tips to Ensure Lasting Success posted at Sarah Paine, saying, "Continue to prosper in the face of adversity with these three principles."

Mike Leonard presents Shopping – your drug of choice? posted at Until Debt Do Us Part, saying, "I’m just now recovering from what the ‘experts’ would call cold turkey. Yesterday I went to the local mall to buy some books that I had been meaning to buy online but couldn’t face the wait. The bookstore I went to is huge. It is spread across three floors. It is what I imagine walking in to’s warehouse would be like."

Brice Hogan presents Micropayments Make Cents posted at, saying, "Making small payments can make a huge dent in your debt."

Michael Bass presents Tell Debt Settlement Co’s to Kiss Your Ass posted at Debt Prison, saying, "(THE big rules of these companies is that you can not talk to the creditors or the collection agencies) like they told me not too, so now I have no idea what these companies are doing. They could be working towards a judgment against me or my husband as we speak."

are you stuck in the credit crunch?

William Blake presents Entrepreneurs Using Plastic Financing posted at Becoming Debt Free.

Gavin R. Putland presents Can you stop paying the mortgage and keep the house? posted at /etc/cron.whenever/.

KCLau presents Credit Cards: From Foes to Friends posted at KCLau's Money Tips, saying, "Article discussing what a credit card is all about and how one can avoid credit card debts. It also touches on how one can actually make money from his credit cards."

Michael Bass presents What You Should Know About Credit Cards posted at Debt Prison, saying, "For the first time in U.S. history there was no limit to the interest rates that banks could charge nationwide. This permitted credit card companies to expand; soon becoming the most profitable sector in overall banking. Citibank has been more profitable than Microsoft or Wal-Mart."

Sam presents Payday Loans are Expensive. Here are Dozens of Alternatives ! Surfer Sam posted at Surfer Sam and Friends, saying, "Payday loans seem like a quick, easy way to get a cash advance until your next paycheck. A payday loan is a cash advance secured by a personal check. They are also known cash advance loans, check advance loans, post-dated check loans or deferred deposit loans.

Here’s how they work."

high interest savings accounts

Dave presents Savings Bonds Fail To Keep Up With Inflation - Vox posted at Cheapo Groovo.

how are you dealing with the bleak outlo

Jason presents The Ultimate Frugal Weekend: A 48-Hour Spending Fast posted at The Frugal Dad. presents Shifting your investing mindset during a recession; what exactly defines a “recession”? | My Investing Blog posted at My Investing Blog.

how do you get out of debt

Tony H presents Don’t Get Money Worshiper Syndrome posted at The Scholarpreneur, saying, "Avoid the pitfalls of Money Worshiper Syndrome, otherwise you'll never get out of debt."

Dax Desai presents 8 Reasons Why the Dollar Will Continue to Fall posted at Dax Desai, saying, "8 Reasons Why the Dollar Will Continue to Fall"

Ryan Russell presents Go “Outside The Box” for Great Holiday Gifts posted at My Money Thinks, saying, "For these people (and anyone else), a little creativity and imagination will go a long way when shopping for holiday gifts"

The Investor presents Taking stock: How to Set out Your Statement of Affairs posted at, saying, "To get control of your finances, you need to know exactly what money you've got coming in and what's going out, as well as what you own and what you owe. This detailed post explains how to do so with your own Statement of Affairs spreadsheet."

Colin Robertson presents How to Avoid Late Credit Card Payments posted at The Truth About Credit

TheWild1 presents Refocus on your goals posted at TheWild1, saying, "This articles examines the idea of refocusing on your goals to insure that you fulfill them"

mutual funds

Richard M. Rothschild presents Bond Market Index Funds posted at Bond Market Index Funds.

Larry Russell presents Objective Personal Finance Answers Are Hard to Find posted at THE SKILLED INVESTOR Blog.

Frank Vertin presents Top 10 S and P 500 Index Funds posted at NO LOAD INDEX FUND.

where do you put your money

Abdulrasool Sumar presents 5 Mortgage Lessons to Learn from the Rich posted at Mortgage Loan Calculator, saying, "Most of us will not make it to the kind of bank accounts that Donald Trump or Bill Gates have, but many households in America are aiming for the $1 million mark (exclusing their residences). That's right, in 2004, the number of households in America that have $1 million in liquid cash and investments excluding their residences grew by 21% to 7.5 million. In this article, we are going to study the mortgage tactics of these rather affluent people because it's not all about the amount of money they make, it's about how they treat their money."

FIRE Getters presents Simple Strategies to Inflation Proof a Portfolio! posted at FIRE Finance.

Sagar presents 13 Unconventional Factors that Affect the Dollar posted at Currency

Everything Finance presents 8 Steps to setup a Business Paypal Account posted at Everything Finance.

Jose DeJesus MD presents Improve Investment and Financial Results - Simplify and Conquer posted at Physician Entrepreneur.

poetloverrebelspy presents Baring My Budget: Venice posted at Less Than a Shoestring, saying, "My dollar isn't worth much over here, so I squeeze every penny I can while traveling. In this post, for example, I show you how to spend four days in Venice, including flights, for under 90 euros!"

Dorian Wales presents The Personal Financier: How to Make Sure this is your Dream Home: 7 Practical Tips posted at Personal Financier.

Zork Brauk presents UFO Recession Tip 54 - 10 Reasons to Stay Monogamous during Recession posted at It's the Recession, Stupid!, saying, "Tips on saving money during the economic recession from UFO aliens."

LIVING OFF DIVIDENDS presents How I Made $2,667 In Passive Income In March ?08 posted at LIVING OFF DIVIDENDS, saying, "Passive income is the best kind of income! See how I made over $2,600 last month from various different sources and investments."

Shamelle presents Enhance Life: 6 Investment Misconceptions That Stop You From Becoming A Millionaire|Personal development posted at Enhance Life, saying, "....... He used the word investment. To me, it sounded like something only the rich do or something that only a skilled professional can do. My friend patiently explained to me in layman terms that, I need to make my money make more money for me. Now that got me interested. Here I was working 60 hours a week and I was dreaming how nice it would be to double my salary without actually working for it!"

Wenchypoo presents This Just In: 7 Money Rules You Can Ignore posted at Wisdom From Wenchypoo's Mental Wastebasket, saying, "Re: your question--I already answered it in another submission."

George L Smyth presents One Minute How-To - How To Make $10 On The Internet Right Now posted at George L Smyth, saying, "Troy Price explains a way you can get $10 on the Internet without jumping through too many hoops."

Raag Vamdatt presents Want to own a company? Buy stock! :: :: Financial Planning demystified posted at - Financial Planning demystified.

Barb A. Ryan presents 1 - Your Personal Financial Planning Skills posted at Pasadena Financial Planner.

sarah presents Four ways to suck less at vintage & thrift shopping posted at SARAHSPY.

LIVING OFF DIVIDENDS presents Tax Benefits Of Passive Income posted at LIVING OFF DIVIDENDS, saying, "As Benjamin Franklin famously said, "A penny saved is a penny earned". See how to save money through advantageous tax rates on your blog income and other passive income sources."

Fabulously Broke presents Fabulously Broke in the City: True Cost of Watching & Owning a TV posted at Fabulously Broke in the City, saying, "How much I've saved from not watching TV (a lifetime calculation)"

Big Cajun Man presents Found Money and the Prisoner’s Dilemma posted at Canadian Personal Finance Blog, saying, "Is Found Money sometimes a bad thing?"

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