Debt Consolidation Lowdown

Greeings! The 21st edition of the Carnival of Debt Management is up. We have selected 31 posts for this edition. I request all carnival participants to to give a link back to this carnival at their earliest convenience. Without further ado, here are the posts in the order they were received.

Teaspoon presents Do You Have an Emergency Fund? posted at TeaspoonFinance.com. Post to introduce the idea of investing your emergency fund cash and replace it with an all credit emergency fund.

Ryan presents The Dirty Dozen Credit Card Traps posted at CareOne Credit Counseling. Credit cards are the most lucrative segment of banking, and not just because of the interest charges. 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.

Bryan C. Fleming presents Buying into a Down Stock Market posted at Bryan C. Fleming. 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!

Abdulrasool Sumar presents How to Create a Debt Consolidation Plan posted at Debt Consolidation Loans. If you owe various different creditors small to huge sums of money and find it difficult to keep track of each minimum monthly payment and interest rates, it would be in your best interests to consolidate under a debt consolidation loan that offers lower monthly interest rate and lower monthly payments.

Happy Schools presents Students spending habits.. Timeline posted at Happy Schools. This post talks about how an International student in U.S. gets into debt.

Matthew Paulson presents Student Loans are for College Only posted at FinanceIsPersonal.com. Most college students don’t ever consider how much money they’re actually borrowing to pay for school. They don’t have the money to pay cash semester by semester, and instead casually borrow money through Stafford loans.

Scott Lee presents Thinking About the Stock Market? Some Basics posted at Scott Free Thinking. Fundamental concepts and tips to know before investing in the stock market. One of them - clear your debt first.

Warren Wong presents Why You Should Invest For The Long Term posted at INTJ Personal Development. Are you buying and selling stocks a lot? Here’s why you should invest for the long term.

Nina presents Pay God first? Pay yourself? Or get out of debt? posted at Queercents. God, mammon or credit card debt? Paying off the Visa sounds like the smart choice. God might reward you, David Bach will forgive you, but in the end you’ll win if you’re debt free.

Silicon Valley Blogger presents Managing Credit And Debt, My Credit Mistakes and Lessons » Money and Personal Finance Blog In Silicon Valley posted at The Digerati Life. Silicon Valley Blogger says, Even though I’ve tried to properly manage my credit, I’ve still managed to commit some credit related mistakes. It’s also the case that I’ve been doing some things right. So here’s my report card on this.”

Prince of Thrift presents Top 24 Ways To Destroy Your Credit Cards posted at Becoming & Staying Debt Free. Top 24 Ways To Destroy Your Credit Cards, complete with videos of some I found.

Shadox presents Money and Such: American Express Security posted at Money and Such. American Express security policy is so screwed up that you won’t believe it. A true story that happened to me this weekend.

Money for Military presents PowerPay - Paying Down Debt posted at Money for Military. Here is information about a power site called Power Pay. Please distribute this website.

Edithyeung presents The Money Series - You Are Not Going to Live Forever posted at Edith Yeung.Com: Dream. Think. Act.. Estate planning is about protecting the people you love in case something happens to you. Just as simple as that. Doesn’t really matter if you are 30 or 60.

Gustav S presents 10 Reasons why only 4% of the population achieve their goals posted at success-is-in-you.com. As a recommendation, ask your blogcarnival participants to do a stumbleupon or any other social bookmark submission for the page where your carnival is hosted it will benefit us all… just a suggestion.

Leorita Seneres-Velasquez presents How NOT to overspend posted at Money Matters. A financially worry-free life doesn’t mean that you should earn billions or be credit-free. Because no matter how much wealth you gain, if you spend beyond the limit or more than what you’re earning, you will always be in a dilemma.

John Wesley presents 7 Tips for Avoiding a Lifetime of Debt posted at Pick the Brain. Increasing prosperity and economic growth has paradoxically led to record levels of personal debt. Modern life offers a bewildering array of possibilities for getting into debt — financial institutions make it as easy as possible. But, when you face a mountain of debt, don’t expect much help from them in overcoming the situation.

Jason Elder presents Why Bankruptcy Filings Are On The Rise posted at A Bankruptcy Lawyer’s Blog. A big reason behind this is the slow and weak housing market as well as adjustable rate mortgages.

Eric Hudin presents Protecting Your Finances and Assets Offshore posted at My Estate Planning Career Blog. If you’re self employed, you’re affluent, you’re married, you have direct clients, business partners or you’re just concerned that you’re overpaying your taxes, there’s a strong possibility that you should be protecting your finances and assets offshore.

Allen Taylor presents What is a Charitable Trust? posted at Investing World Today. A charitable trust is designed to create a path whereby your assets may be converted into a life long stream of income and not a source of governmental revenue though taxes.

Tim Ramsey presents You Are Not Alone In The World Of Debt posted at My Debt Relief Blog. The first seven years of the “new millennium”, has seen the birth of more millionaires than every prior generation, but also created a generation more in debt that any generation that has come before.

Eric Stanley presents The Lure of Low Interest Rates posted at Personal Finance Blog Articles. Many of the financial decisions people make today are completely based on the current level of interest rates and have little consideration of long-term impact. Rates are so low it just makes sense to refinance or purchase now.

Thomas Humes presents Baron Five-Step Action Plan for Building Wealth posted at Wealth Building World. It is important to learn disciplined strategies of sound money management, investing, and business administration. The more you learn about these areas, the more confident you will be in selecting advisors, making investments, and handling your business and financial affairs.

Michael Emilio presents How To Recognize the Full Value of Your Real Estate Investment posted at South Florida Realtor. As a real estate investor, one of the most important qualities you should develop in yourself is the ability to recognize what is the full potential of a property. This can give you a huge edge over your competition that only sees properties in their current state.

Tracy Coenen presents Mortgage fraud moving up the priority ladder for prosecutors posted at Sequence Inc. FRAUDfiles by Tracy Coenen. Mortgage fraud investigations and prosecutions are on the rise.

Mr Credit Card presents Credit Card Balance Transfer Arbitrage Success Factors (Ask Mr Credit Card’s Blog) posted at Ask Mr Credit Card’s Blog. What are the factors that really affect the profitability of doing a credit card balance transfer arbitrage? Well, it turns out that your taxes, balance transfer fees and also the length of the introductory period all have a role to play.

FIRE Finance presents Fed Cuts Discount Rate To 5.75%! posted at FIRE Finance. In recent months, investor worries have been accelerated as many mortgage firms have gone out of business and the number of foreclosures are on the rise. Fears about the deflation of the housing and credit bubbles have led investors to sell off financial and other stocks that has swept billions out of the world market in the last few weeks.

Evelester presents The Budgeting Secret that saved our Marriage » Housewife Confessions posted at Confessions of an Everyday Housewife. A budgeting software that I swear by! Based on Dave Ramsey’s Financial Fitness methods.

Mcmorlod3 presents www.speedanddetail.com posted at Withhold Less Tax From Your Paycheck, Make More In The Longrun. Simple way to withhold less tax from every paycheck to put towards bills or investments.

Save Money presents Step Three to getting Rid of Debt posted at How I Save Money.net. While it is nice to have a budget, you do not have to dictate your life by those figures solely. You do need to work a little bit of flex into your budget so that you can take care of emergencies.

John Dean presents How to transform your personal debt crisis into an opportunity posted at Debt Secrets. Debt Self help How to transform your personal debt crisis into an opportunity.

That concludes the 21st edition of the Carnival of Debt Management. Next edition of this carnival will be hosted here on 29 August 2007. You can submit your posts using the Blog Carnival Submission Form.

This entry was posted on Thursday, August 23rd, 2007 at 11:40 pm and is filed under Carnival. You can follow any responses to this entry through the RSS 2.0 feed. You can skip to the end and leave a response. Pinging is currently not allowed.