The Money Maniac Blog Carnivel March-2009

I have embraced with the huge article submissions received to this 5th edition. I thought, It would be better if I post the carnival little earlier from the original

date. I have went through each and every submissions, re-shaped some of them were I felt that would be nice and removed those posts, not matching to the subject due to its nature of advertisement or focusing out of subject. Thanks to all those who contributed to this carnival. You are welcome to contribute to the next carnival using the form available at the end of this list. To ensure your posts always with any of my carnivals, the best way to add my blog in your blog roll and get the same from my side. This will guarantee your submissions place with any of my future carnivals. You can use below details to add my blog in your blog roll:

Blog Name: The Money Maniac

Once you have added my blog to your blog roll, please contact me at with your blog details for me to add your blog in my blog roll.

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I always welcome if you intend to write a guest article in my blog to get a free advertisement here and even more visitors. Mina Togonon presents The Domino Effect of Economic Galloping posted at 24 Hour Paradigm, saying, “A quick realization of the global economy sends others in panic. As a beginner, personal financial planning can be really crucial especially in the midst of recession and mass lay offs. What to do?”

Andy presents Debt Relief Blog posted at Personal Hack, saying, “Debt can really make one’s life a nightmare. Many people get in debt without even realizing it and then wake up one day realizing the consequences”

Deposit Accounts presents Should You Keep all of Your Accounts with One Bank? posted at Deposit Accounts.

Destroy Debt presents Are You One of the Lucky Ones with a Refund Coming Your Way?Destroy Debt.
posted at

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.”

nickel presents How to Claim the Recovery Rebate Credit posted at

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.”

Debt Freedom Fighter presents How to Get Out of Payday Loans posted at Discover Debt Freedom!.

Ben presents Five Tips for Your Boss During a Recession posted at Money Smart Life.

Deposit Accounts presents Stimulating $400 Per-Worker Tax Credit for 2009 and 2010 posted at Deposit Accounts. presents To Close or Not to Close The Secured Credit Card AccountCredit Card Assist.
posted at

apply4-credit presents What Exactly Does Pre-Approved Mean for You? posted at Apply4-Credit.

Credit Card Addict presents What to Do if Your Credit Card or Wallet is Stolen posted at CreditAddict.

nickel presents How to Choose an Online Savings Account posted at

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?”” presents Top 3 Successful Investing Factors – Stock Tips & Investment Advice – Qwoter posted at Stock Market College – Investment Advice & Stock Tips, saying, “It is unfortunate that investors still believe in the myth that a better system will make them better investors.”

apply4-credit presents Trendy Black Credit Card – Worth It? posted at Credit Card Applications Expert |

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!.

Savings Toolbox presents Finding Yourself unable to Make Your Mortgage Payments? posted at Savings Toolbox.

Deposit Accounts presents Get the Most Out of Your Tax Refund posted at Deposit Accounts.

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.”

nickel presents CD Ladders in a Low Interest Rate Environment posted at

kathryn presents Get Your Taxes Done for Free! posted at Out of Debt Christian, saying, “Tax time is never fun. Here is a way to not only get them done for FREE, but get paid to get them done!”

Dave presents Where Should I Put My Money? posted at Cheapo Groovo. 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.” presents Too Many Credit Cards? 5 Tips to Keep it Simple posted at Credit Card Assist.

apply4-credit presents Credit Cards and Their Dirty Little Secrets posted at Apply4-Credit.

Destroy Debt presents Laid off? Make Lemonade posted at Debbie’s Debt Advice.

Deposit Accounts presents What’s Your Long Term Savings Plan? posted at Deposit Accounts.

Leave Debt Behind presents You Have Choices for Consolidating Your Debt posted at Leave Debt Behind.

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.”

debt kid presents High Yield Savings is Dead posted at DebtKid.

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.”

cody butler presents Oct 17, Student Loans Consolidation posted atInvestment-For-Beginners Blog.

cody butler presents Investing, Learn The Secret To Financial Freedom posted at Dream Life Coaching Blog. Ask your questions..

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.””

bill Johnson presents Make Money Fast posted at Make Money Fast.

TasJack presents How to Avoid Home Foreclosure posted at Stop and Avoid Foreclosure Resources, saying, “In these tough economic times, more Americans than ever are finding it difficult to pay the home loan notes they signed several years ago, or even more recently. The housing seller”

Praveen presents Bank Bailout Not Working posted at My Simple Trading System. presents Things You Must Know About Credit Counseling AgenciesCredit Card Assist.
posted at

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

Ben presents Bank Fees and Credit Card Fees Not the Only Fees You Can Cut posted at Money Smart Life.

nickel presents Alternatives to High Yield Savings Accounts posted at

Savings Toolbox presents 5 Ways Saving Online Makes Sense posted at Savings Toolbox.

Deposit Accounts presents The FDIC Is Running Out of Money: Is Your Money Safe? posted at Deposit Accounts.

Shaun Connell presents 7 Questions to Ask Yourself Before Buying a Car posted at Financial Planning, saying, “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.

Raily Arena presents Sell Your Own Home: Can Be Very Difficult in Today?s Terrible EconomyHow to Sell Your Own Home.
posted at presents Mutual Fund Share Classes posted at Pragmatic Sage Weekly, saying, “This post breaks down the different mutual fund share classes. While breaking down the share classes it points out that the obvious choice may not be you best option.”

Don presents Should You Invest In Foreclosures | Compare Rate Quotes posted at Compare Rate Quotes, saying, “REO properties and foreclosures can be a worthwhile investment.”

Insurance Toolbox presents Why Borrowing against Your Retirement Account Won’t Help Your Financial Situation posted at Fine-Tuned Finances.

Investing School presents 30 Components of The Dow Jones Industrial Average Index posted at Investing School, saying, “Here’s a look at how the dow is calculated and what it means for investors like us.”

korprit zombie presents Beginner Online Stock Market Investing Advice posted at Beginner Investing.

Nesher presents The Jigaro Fibonacci Market Timer posted at Internet Stock Trading for Beginners.

Brian McKay presents Health Savings Account as a Retirement Account? posted at, saying, “Are you maxing out your 401K and IRA contributions every year and want a way to save more for retirement using a pretax method? Another way ofstashing away money pretax for your retirement is using a health savings account (HSA).”

Leanie Belle presents 4 Steps To Effective Forum Marketing posted at Internet Business Make Money Online With Welly Mulia. presents Gold Investing | Chihuaha Investing posted at Gold Investing, saying, “In difficult times like these, people are turning to gold. What are the pros and cons of gold investing?”

Leanie Belle presents 1 Simple Reason Why Nobody Wants To Buy Your Product posted at Internet Business Make Money Online With Welly Mulia.

Brian McKay presents CD Rates posted at, 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%.”

Carrie presents Asset Allocation posted at Less is More.

Lance Cooper presents Obama’s Stimulus Plan Is A Complete Joke posted at Recession Thoughts, saying, “The presidnet’s stimulus plan is nothing more than government waste, and government waste will not ‘pump prime’ the economy into recovery.”

Pinyo presents Introduction to Peer-to-Peer Lending : Moolanomy posted at Moolanomy.

Investing School presents Beta and Alpha Returns for Us Sane Investors posted at Investing School, saying, “Beta and alpha calculations might be just the ticket for you to succeed in investing.”

Ricky presents Self-Directed IRA posted at Stock Tips, saying, “Self-directed IRA investing gives you much more freedom as to the different types of investments that you can make. By using your own self-directed IRA, you can invest in areas other than the standard stocks, bonds, and mutual funds.”

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.”

Dan Cote presents Time To Invest In Retail? posted at Earnings Per Share.

Michael Cohen presents Even If We Are The Next Japan, Stocks Aren?t Necessarily A ShortStock Investment, saying, “There’s a good chance our economic future will mirror Japan’s Lost Decade. Even so, stocks aren’t necessarily a sell at today’s levels.”
posted at

Raily Arena presents DIY Home Selling Tips: No Need for Realtors Guaranteed posted at How to Sell Your Own Home.

Investing School presents Brokerages with Free Stock Trading posted at Investing School, saying, “Want to trade stocks for free? Here are a whole bunch of ways to do so.”

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.

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.”

Mike presents Dangers Of Leveraged ETFs posted at Bear Market Profits, saying, “The ultra ETFs have more danger than merely the leverage they entail.”

Debt Wizard presents Making Money Is Easier Than Saving Money posted at Money Help, saying, “If you are trying to firm up your finances, trying to make some extra cash may actually be easier than just saving money.”

Dana presents Have you thought about DIY learning lately? posted at Investoralist, saying, “The most consistently reliable and risk-free investment you can make is to invest in yourself. Learning should not stop once we step out of school, here are some thoughts on the merits of DIY education.”

lucas presents VALUE INVESTOR HAVEN: Studying the insiders! posted at VALUE INVESTOR HAVEN, saying, “I know for a fact that many articles have been written about insider trading. My personal take is that insider trades are not enough. What one needs to look for is a ‘significant pattern of insider trades’ according to Tweedy Browne.”

Leanie Belle presents How To Stand Out From The Crowd posted at Internet Business Make Money Online With Welly Mulia.

Investing School presents What is the Federal Reserve posted at Investing School, saying, “What is the federal reserve and what do they actually do?”

The Investor presents Vertical diversification posted at, saying, “What is vertical diversification, and how can it help your portfolio weather tough times?”

Silicon Valley Blogger presents Zecco vs TradeKing: Which Online Stock Brokerage Account To Choose? posted at The Digerati Life, saying, “Thanks!”

Sigrid Landau presents What Does The Future Hold For The Big Three Auto Industry? posted at A1 How To, saying, “What is the problem with the Big Three Auto Industry? Are they ever going to make a comeback from, recover from their current funk? Is now the time to take a chance to buy Ford or GM stock?”

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

KCLau presents Would you pay RM 1200 for a concert ticket? posted at KCLau’s Money Tips, saying, “On whether it is worth spending big money on a concert ticket given the current economic recession”

MoneyNing presents First National Bank Omaha FNBO Direct Review posted at Money Ning, saying, “If you aren’t using an online savings account yet, you are really missing out. Check out this alternative.”

Leaving The Folks presents Basics of car buying posted at Real World Advice, saying, “Going to take advantage of low interest rates and good deals to buy a car? Here are some tips.”

Raily Arena presents Tips That Will Get Your Home Sold Quicker posted at How to Sell Your Own Home.

Relax presents The happy way to spend money posted at The Wise Curve, saying, “we are happier when we spend money to gain experience than buying material goods”

Raily Arena presents Make Money Online with Blogging posted at Make Money Easy Online.

Nate presents Can You Qualify for a Car Loan? posted at Car Loan Tips.

Leanie Belle presents Do These 5 Steps In 2009 To Ensure Great Success posted at Internet Business Make Money Online With Welly Mulia.

Lauren Rose presents Debt Relief Grants from the Government posted at No Debt Anymore .org, saying, “A close look at debt relief grants from the government, including loans, bursaries, benefits and assistance.”

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.

Jared Maloney presents Fad: Apple posted at Fade That Fad, saying, “Apple products may be a huge fad and there may be money to be made shorting Apple stock.”

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.”

Charles Chua C K presents All About Living with Life: Financial Freedom, Lifestyle and Loan Sharks posted at All About Living with Life.

Nesher presents Personal Finances Management? Take it Easy and Have Fun with Moneytrackin’! posted at Collection of the Web Freebies.

Tees presents Debt Consolidation Rules posted at Best Debt Consolidation.

Brian McKay presents Schwab Bank Invest First Visa Credit Card posted at, saying, “Charles Schwab Bank is offering a cash back Visa credit card that gives you 2% cash back on purchases. There is no limit to the cash back you can earn.”

Raily Arena presents Why Making Money Online is NOT so Easy posted at Make Money Easy Online.

Raily Arena presents Finding Online Work That Pays posted at Make Money Easy Online.

Brian McKay presents What’s in the Stimulus Bill for You? posted at, saying, “We have listed all the benefits for individuals in President Obama’s stimulus bill that was just passed.”

Jim DeSantis presents Credit Card Debt Relief: Do It Yourself or Hire It Out? posted at On Line Tribune | Money Matters Blog, saying, “Your are in debt up to the shingles. You’re afraid to answer the phone, answer the door. You’re hiding your car or furniture from the repo man. You and your mate are arguing over money. There’s not enough of it. Times are tough. Here is what you need to do next….”

Homemaker Barbi (Danelle Ice) presents College Costs Are Rising: Save Now With an Education Savings Account (ESA) posted at Homemaker Barbi, saying, “Guest poster Amanda Espinoza explains what an Education Savings Account or ESA is and how to invest for your child’s college tuition tax-free.”

Raily Arena presents Sell Your Home in a Jiffy posted at How to Sell Your Own Home.

Raily Arena presents Make Money Online with a Scrapbooking Business posted at Make Money Easy Online.

Raj Patel presents Blog Carnival – 123 of investing and financial planning posted at DebtGoal.

Reba Haas presents A small bit of good news for homeowners selling in short sale positionTeam Reba Real Estate, saying, “The government passed the Mortgage Forgiveness Debt Relief Act in 2007 with a timeline of end of 2009 for expiring. Looks like short sale homesellers are going to get a little more time. Learn more about it at this post along with a link to IRS resources.”

posted at

Arohan presents Tips for structuring an emergency fund | Personal Dividends posted at Personal Dividends, saying, “Emergency funds are key aspect of personal financial planning, but we are often not sure of how to structure an emergency fund or the best way to access these funds in case of an emergency. This article discusses a method that keeps the liquidity of accounts, return on investments and tax considerations in mind to formulate a plan for emergency fund.”

rajeev presents Investment and Personal Finance: Investement posted at Investment and Personal Finance.

Raily Arena presents Cash Those Words: Making Money Online with Your Blog posted at Make Money Easy Online.

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”

Raj Patel presents The Cost of Having Too Many Debt Accounts posted at DebtGoal.

MoneyNing presents The Stress of Having Supersized Lifestyle posted at Money Ning, saying, “Not everything need to be supersized.”

Raily Arena presents Four Home Staging Mistakes of Neglect You Need to Avoid posted at How to Sell Your Own Home.

Sigrid Landau presents Increase Credit Rating – Ways To Raise Your Beacon Credit Score Starting From Nothing posted at A1 How To, saying, “Your credit score is the single most important factor that decides whether you are successful or not. The process of re-establishing your credit rating after having suffered a job loss or some sort of family emergency may seem impossible, but the truth is starting from scratch is more simpler that you think.”

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

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.”

GeekMBA360 presents Who are making a lot of money from the economic downturn and where do they get their financial news and analysis? posted at GeekMBA360.

One Family presents Writing Covered Calls against Employer Stock Plan Shares (ESPP, Restricted Stock, and Stock Options) – A Primer posted at One Family’s Blog, saying, “The post explains the steps involved in writing covered calls against stock acquired through employer stock plans.”

MoneyNing presents Our Eternal Pursuit of More Wealth posted at Money Ning, saying, “Is money never enough? Know what’s important and you will be much happier!”

David Fontaine presents David Fontaine, CFP®: What You Should Know Before You Roll Over Your 401k… posted at David Fontaine. The midst of recession and mass lay offs. What to do?”

Abdulrasool Sumar presents Borrowing from Your 401k Plan – Advantages & Disadvantages – Basics of Borrowing, 4 Reasons to Borrow, Media & Myths on 401(k) Loans posted at 401k, saying, “Financial advisors will never advise you to borrow money from your 401(k) retirement plan, afterall this is the nest egg that you will need when you stop working upon retirement. Other financial advisors will tell you borrowing a 401k loan from your own retirement account is more like an act of robbery! While it is encouraged not to ever borrow from your 401(k), there are advantages of doing so on the flip side; this is what we will explore in this article.”

ChristianPF presents 6 steps to reducing your credit card interest rates posted at Money in the Bible | Christian Personal Finance Blog, saying, “It is well worth your time to try to get lower interest rates on your credit cards…”

PFCreditCards presents Priceline Gets You the Cheapest Hotel Deals posted at PF Credit Cards, saying, “A real world example (mine) that shows you why I love priceline so much!”

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