Welcome to the April 22, 2009 edition of Personal Finance Blog Carnival.  This is the second edition of the Personal Finance Blog Carnival and I am proud to say that we have over 50 of the best personal finance articles represented here today.  Please share this carnival with your blog readers.

Best Personal Finance Articles

I would like to start by highlighting some of my favorite articles.  While I hope that you will read all of the articles here, I particularly enjoyed the following:

Online Banking

Online Banks Blog presents CD Rates At Discover Bank posted at Online Banks Blog.

Deposit Accounts presents Keep More of Your Money: Tips for Better Banking posted at Deposit Accounts.

Bugdeting

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.”

Credit and Debt

Mr Credit Card presents Delta Reserve Card posted at Ask Mr Credit Card, saying, “A Review of The Delta Reserve Card – How does it stack up against competing cards?”

Savings Accounts 411 presents WaMu Cards posted at Washington Mutual Online Banking.

Credit Shout presents Best Gas Credit Cards posted at CreditShout.

DebtLite presents Why Consolidate School Loans? posted at School Loans.

CreditCardAssist.com presents Ever Look at Your Credit Card Closely? posted at Credit Card Assist.

apply4-credit presents Are Credit Card Protection Plans Worth the Money? posted at Apply4-Credit.

Mr Credit Card presents Examining the Value Equation and Other News posted at Ask Mr Credit Card.

Isaac Yassar presents Fast Cash Loans: Fast Solution posted at Isaac Yassar’s Overture.

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

Sam presents Your Credit Report and FICO Credit Score. Good Credit Rating Makes Buying a Home Possible posted at Surfer Sam and Friends.

Leave Debt Behind presents Quick and Easy Ways Your Teen Can Make Money posted at Leave Debt Behind.

Leave Debt Behind presents Are You Responsible for Your Deceased Parents Debt? posted at Leave Debt Behind.

Earning Money

Ralph Jean-Paul presents Building Self-Discipline posted at Potential 2 Success, saying, “The most disciplined business people are usually the most organized, efficient and successful. Learn to build self-discipline in your personal and professional life and see the difference it will make.”

Mr. Self Development presents 4 Simple Steps to Financial Success posted at Mr. Self Development.com, saying, “This article is about four simple steps to financial success.”

Investing

Peter Jones presents Tax Free Retirement: Planning for the Future in Today’s Economic Times posted at Great New Books that Are a Must Read.

Verna Morris presents The Definitive Silver ETF Guide (Five Minute Edition) posted at ETFdb.

The Smarter Wallet presents Charting Stock Movements With Fibonacci Trading Techniques posted at The Smarter Wallet, saying, “Thanks!”

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.”

JonatsGonats presents Become a Successful Trader – Adam Hewison posted at JonatsGonats.com, saying, “Become a Successful Trader – Adam Hewison. A trader should learn how to take losses in order to become a successful trader as people are not programmed to take losses.”

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.”

Richard M. Rothschild presents The Top 14 Low Cost Taxable United States Bond Mutual Funds (Low Minimum Deposit) posted at Bond Market Index Funds, saying, “The top 14 low cost taxable US fixed income funds with a $10,000 or lower initial deposit. Low investment management fees are very important with fixed income funds. Simply put, if you pay higher bond mutual fund fees, then these bond management expenses tend just to be a deadweight loss to you. When you pay more in bond mutual fund fees, you are just wasting your money.”

Stock Trading Brokers presents SEC Considers Proposal for Uptick Rule posted at Stock Trading Brokers, saying, “Bring back the uptick rule. There was actually no harm done when it was there. When it’s not broken, don’t fix it. Now that people have shed light on it, of course there are criticisms.”

Ricky presents Stock Trading Terminology posted at Stock Tips, saying, “Thanks!”

Frank B. presents Beginners Guide to Investing posted at Investment Basics.

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.”

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.”

Steve Patterson presents Volatility Index Continues to Fall posted at FastSwings, saying, “Falling volatility is a very positive sign for the stock markets.”

Personal Finance Education

nickel presents How to Protect Yourself from Identity Theft and E-mail Scams posted at fivecentnickel.com.

Steve Patterson presents Four Errors Made Often on Tax Returns posted at 2008 Taxes, saying, “Make sure to avoid certain mistakes on your return that will delay their processing.”

vsocorp presents VSO: Prepare Yourself For The New Kind Of Thinking – Business Thinking posted at VSO Corp: Logica Uspeha, usluga razvitie internet portal., saying, “Business thinking is a foundation of building a successful model of business. So, here You see the main aspects of business thinking!”

Silicon Valley Blogger presents Discover More Card Offers $50 Cash Back Bonus posted at The Digerati Life, saying, “Thanks! I appreciate it!”

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

Ginger Corsair presents Credit Card Fraud! posted at Ginger Won’t Snap, saying, “This may also fit under credit & debt since it involves credit cards.”

Nate Desmond presents 7 Free Resources for the SAT posted at Debt-free Scholar.

Nate Desmond presents Book Review: The New SAT posted at Debt-free Scholar.

Real Estate

Tallahassee Real Estate presents How To Make An Offer In Today’s Real Estate Market posted at Tallahassee Real Estate Blog, saying, “Regardless of who is receiving the offer, there is a definite plan one should follow if attaining the property at the best price is the primary goal. Too often, I see buyers and agents alike making amateurish mistakes that end up costing them the home that they wanted to buy.”

Tim Johnson presents Where You Choose to Live Is Crucial to Your Financial Future posted at Relocation.com, saying, “The current recession will fundamentally change our economic geography — some cities will win, some will lose. Start thinking now about the winners.”

Summer Munyon presents How To Find The Bottom Of The Real Estate Market posted at Tallahassee Real Estate Blog, saying, “If you want to know the beginning of the next phase of the market turn, just keep an eye on the green line in the graph below. You can visit this graph (updated twice per week) at The Market Bulletin.”

Saving Money

Online Banks presents Best Car Rental Rates posted at Online Banks, saying, “Here are some nice tips to find the best car rental rates.”

Myscha Theriault presents Meat Money: Grocery Saving Tips for Carnivores | Wise Bread posted at Wise Bread, saying, “This articles provides tips and suggestions for saving money on the meat portion of your grocery bill.”

Tiffany Colter presents Free Webinar coming, but until then? posted at Hidden Leaks, saying, “Coupons can have a purpose, but sometimes they cost more than you think. Find out when to use them and when to leave them at home.”

Bill Friend presents 10 Money Saving Tips | Strategies To Save Money posted at Strategies To Save Money, saying, “Even if you are already quite frugal, these 10 money saving tips may just give you a few ideas you had not previously considered”

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.”

JC presents Want to Save Money? Bring Benjamin Franklin posted at 6Bubbles – Grad School, Money, Life.

Tyrone Solee presents Save Money at the Supermarket posted at Millionaire Acts, saying, “Here is how you can save money while doing your shopping at a supermarket.”

Jim DeSantis presents How To Investigate Health Insurance Providers posted at On Line Tribune | Health, saying, “The growing number of consumers needing reasonably priced health insurance plans with decent coverage has led to the mushrooming of scam health insurance providers. These providers often target new retirees, the elderly, young families, and small-business owners who can’t negotiate group rates with legitimate insurers. Here’s how to find legitimate low cost providers.”

Destroy Debt presents Good Til The Last Drop: Use it Before You Throw it In the Trash posted at Destroy Debt.

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.”

Matthew Paulson presents The Credit Ratings Credit Card Companies Prefer You Did Not Know posted at American Consumer News.

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

Savings Toolbox presents How to Get the Best Mortgage in Today’s Market posted at Savings Toolbox.

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

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One Response to “Personal Finance Blog Carnvial – April 22, 2009”

  1. Thanks a lot for including my submission.

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