Credit Card Lowdown

Carnival of Money, Growth & Happiness #4

--By Sagar Satapathy

Greetings! Welcome to the fourth edition of the Carnival of Money, Growth & Happiness. We received 30 posts for this week's carnival edition. It is really huge. We have selected 26 posts that have useful information on money, growth and happiness. Here are the posts in the order they were received.

Albert Foong presents Little Secrets of the Power of Expressing Gratitude - Even for the bad posted at Urban Monk. Is gratitude masochistic? The power of gratitude is often misunderstood and criticized - especially when it comes to being grateful the bad things that have come into our lives. If used properly, gratitude is a powerful force for healing AND getting what we want.

Debra Moorhead presents The Motivational Trick that Works – EVERY Time posted at Debra Moorhead.com. Debra has stumbled upon a little “trick” that he has shared with friends and fellow speakers for about a year now that they later tell him works like a charm – every time. It’s something anyone and everyone can do.

Jeremy Reeves presents Why You Need To Be Financially Independent: Series #1 posted at The Road To A Perfect Life. Obtaining financial independence can be one of the most life changing events you'll ever experience. Learn what it is and stay tuned for future posts explaining it in further detail.

Vause presents Mutual Funds posted at Active Duty Military Money and Matters. Here is information about mutual funds.

Michael Anuzis presents How to Negotiate a Pay Raise with Game Theory posted at Empowering People Through Information. This vidcast is a true story of negotiating a pay raise from $12/hr to $300/hr using basic Game Theory.

Kevin Kinchen presents What is Money? posted at Creative Power of Thought. What is money? All of us, if we are honest with ourselves, must admit that we really enjoy the experience of having money, and the doors of opportunity that it can open for us in our society, even though this rather large aspect of human life remains an elusive mystery to many of us.

Brian Kim presents Violate Parkinson's Law for Financial Abundance posted at BrianKim.net - Self Improvement Blog. Parkinson’s Law, (not to be confused with Parkinson’s disease), is a law that states “as the supply of a resource increases, so does the demand of that same resource”.

Tushar Mathur presents US Treasury Savings Bonds posted at Life of a Resident Alien.... Saving bonds are very safe (and conservative), and compared with a number of other safe investments, the yield isn't too bad. As of May 1, Series EE bonds earn 3.5%.

ISPF presents Are These Silly Mistakes Taking A Bite Out Of Your Wallet? posted at Grad Money Matters. No matter how careful we are, there are little traps out there that suck out the money. Some are intentional scams to grab your money, while others are just stupid mistakes that we commit because we are too tired or just don’t know better. Whichever it is, it can cause a serious dent to the wallet over time. All we can do is watch out, learn from the mistakes and try to avoid as many of these as possible in the future.

John Hill presents Get Out of Debt posted at Universe Of Success. One of the surest things to slow your progress with personal development or in any area of your life is to be in debt. Being in debt feels like being at the end of a dead end street with no where to go.

Praveen presents Garbage In, Quality Out posted at Tao of Simplicity. If someone kicks you down, you can turn around and kick someone else. The problem with this approach is that you have given up control and put yourself at the mercy of low energy. Worse, you are passing the low energy and misery to others.

Trent presents Financial Freedom Is Making Me Rethink My Life posted at The Simple Dollar. The end result of this is that I’m undergoing a profound change in how I perceive the requirements of my life. This has manifested itself in a ton of ways, some simple and some profound. Here are some examples of what I’m talking about.

Wilson Ng presents The Science or Art of Price Setting posted at Reflections of a BizDrivenLife. As a business, or as a consumer, it helps to understand how to set the right prices, and sometimes, it pays to know that it has no connection with how much it costs to produce that product or service!

Talia Mana presents Gretchen's Tips for Lasting Happiness posted at Center for Emotional Well-Being. Talia Mana interviews Gretchen Rubin about her Happiness Projects and the top 5 tips for happiness.

Silicon Valley Blogger presents How To Furnish Your House On Any Budget, Even For Free posted at The Digerati Life. This is the story of a guy named Jose Avila, who decided to make furniture out of Fedex boxes. This endeavor is quite inventive, smart and yes, resourceful.

Kevin presents Child Identity Theft posted at Who Stole My Identity?. You have probably heard of identity theft, where someone uses your name, social security number, and other personal information to run up credit card bills, empty your bank account, or even commit other crimes. You may even take steps to protect yourself from identity theft—shredding your credit card bills, not carrying your Social Security card, etc. But did you ever think you needed to protect your children from identity thieves?

Manny presents Does "The Secret" Really Work? posted at Success Books. We are all using "The Secret" every day.

Shamelle presents 6 Timeless Ways To Stay Out Of Trouble posted at Enhance Life. When it comes to health, we tend to ignore or postpone illness symptoms. We wait until it is unbearable to seek medical advice. Sounds familiar?

Joe Caterisano presents More questions that will prevent impulse spending posted at penny pinching. If you spend $1000 on a plasma television without thinking twice, you're an idiot. If you come across a 42 inch plasma television for $100 and don't buy it, you are an even bigger idiot.

Surfer Sam presents Life Insurance. Clear, Quick and Easy Info. $$$$$ posted at Surfer Sam and Friends. Life insurance helps make sure that the people you care about will be provided for financially, even if you're not there to care for them yourself. If someone depends on you financially, chances are you need life insurance.

Cardin Lilly Routh presents Keeping Your Precious Things Precious posted at OptmistLab.com. A few years ago Cardin started a new business. He knew he was taking a big risk, and he knew that those in the know would tell him all about how difficult it would be. So he chose not to listen. This is what happened.

Albert Foong presents What your ego is and how to stop it from obscuring your inner peace and unconditional love posted at Urban Monk. The ego is the source of all unhappiness. All unhappiness. What is it, how does it creep in, and what you can do? This is by far my longest, favorite, and most heartfelt article ever.

Jeremy Reeves presents How To Track Your Financial Independence: Series #3 posted at The Road To A Perfect Life. You’ve probably realized that becoming financially independent is something that needs to be a necessity in your life, and hopefully you’ve already started to take action in achieving it!

Conan Stevens presents Will You Die Before You Even Live? posted at Tall Muscle Actor Blog. Don't just sit there and wait for death - make sure you live your life.

Steve Madsen presents Five Tips for using your Debit Card Overseas posted at Exit Row Seat. Travel is a great way to spend your hard earned cash but you need to know how to protect your interests while overseas.

Michelle Sweeney presents Don't Be Discouraged posted at Tonic Gifts. Starting and running your own business can be daunting and often many people have an unrealistic "Field of Dreams" approach - "If you build it, he will come". But this is most definitely not the case.

That concludes the fourth edition of the Carnival of Money, Growth & Happiness. Keep submitting your posts to the future editions of this carnival. We are trying to promote this carnival on some social bookmarking sites. Thus, we seek your support and contribution. A link back would be greatly appreciated.

Carnival of Credit Card #11

--By Sagar Satapathy

Welcome to the 11th edition of the Carnival of Credit Card. We have selected some good posts to be featured on this week's carnival. Here are the posts in the order they were received.

ISPF presents Attitudes Towards Debt, Bills and Credit Card Arbitrage posted at Grad Money Matters. Everyone has heard about making money using credit card arbitrage. (If not, you can read about it here).

Joshua Dorkin presents Boycott Chase Bank and Learn What Not to Do In Customer Service posted at Time For Blogging. Chase has established a policy where they send away people who aren’t happy with their service. There is no attempt to rectify the situation. They just want you, the problem, to get lost.

FIRE Finance presents $50 Bonus Money From Bank Of America Visa Credit Card! posted at FIRE Finance. Bank Of America's World Point Credit Card is offering a $50 sign-up bonus. Well if you want to collect this FREE Money you have to be quick since the offer ends on 30th April 2007.

Abdulrasool Sumar presents Debt Elimination - Snowball Method posted at Debt Consolidation. Dave Ramsey introduces the idea of a Debt SnowBall Elimination Method in his book, The Total Money MakeOver. With the Debt SnowBall method, you ignore the Annual Percentage Rates (APRs) on your debts when determining which debt to pay off.

Matthew Paulson presents Making Money Work In Your Early Twenties posted at Getting Green. Don't let your education stop once your tassel moves from one side your cap to the other. Remember that education is a life long process, especially for a lot of the quickly changing career fields, such as information technology.

Colin Robertson presents How to Read Your Credit Report posted at The Truth About Credit Cards.com. Many people think that their credit score is the end-all when it comes to determining whether they have good credit or bad credit. But a great credit score can mean very little if there isn’t enough history to support large amounts of debt, or a decent number of tradelines to qualify for certain loans and credit cards.

SengAun Ong presents Short Talk About Money posted at Tipskey - Unlock Practicality. Correct mindset on money will make our life less difficult.

That concludes the 11th edition of the Carnival of Credit Card. Keep submitting your posts to the future editions of this carnival. A link back would be greatly appreciated.

Carnival of Money, Growth & Happiness #3

--By Sagar Satapathy

Welcome to the 3rd edition of the Carnival of Money, Growth & Happiness. As usual, we received a large number of entries to this carnival. Without further ado, here are the posts in the order they were received.

Alan Torres presents After The Secret posted at Made to Be Great. Merely believing is not enough. A man can believe with all of his heart that he can fly, jump off a building, and still DIE.

Albert Foong presents Personal Development - The teachings of the Urban Monk » Blog Archive » Happiness: How to maximize pleasure and joy posted at Urban Monk. The body is not a machine, although it might work like one. It is your temple. While the body isn’t all of you, it is a major portion of you and your life.

Polliwog presents Island Life - Neil’s Mall posted at Polliwog's Pond. It’s a happening little social scene. You see a lot of ‘regulars’ — people who seem to have taken up residence there. In the summer the tourists join in the merrymaking.

Dave Olson presents 6 reasons to have generosity on your keychain posted at daveolson.ca - the developing blog!. Generosity is the key that opens the doorway into your previously unseen future. Many of us search day after day for a way to open the doors in front of us only to discover that we can never find the key without sharing it with others.

Debra Moorhead presents “The Science of Getting Rich” Evaluated, Part One posted at Debra Moorhead.com. Debra Moorhead evaluates the classic money self-help book published in 1910 by Wallace D. Wattles. This post is the first in a seven-part series.

Azmi M. presents Double, Triple, or Even Quadruple your AdSense Earnings, Guaranteed! posted at Work at Home Make Money Online Blog. Remember to read every single word on this post before, if you take Azmi's advice.

Andy Schmitt presents Gratitude Wristband posted at TheDailyPositive.com. Remember, our feelings are what guide our thoughts and allow us to manifest the things that we want. If we are truly grateful for what we have, then our feelings begin to guide our thoughts into manifesting the things that we want. Pretty simple, Right?

David presents Achieve Success with Your Investments posted at Worldwide Success. In order to be a successful investor you must follow certain principles that have proven to be effective for other investors.

Tim King presents Fighting the Lorelai Effect posted at TimK's blog at Gilmore-ism.com. What happens when you're on the cusp of success? When you're about to close a business deal, the equivalent of wedding-day jitters can be debilitating.

Craig Harper presents Righteous Anger posted at Motivational Speaker. We don't want to be angry people but every now and then a little righteous anger is just what we need. It's just what you need.

Donald Latumahina presents 5 Practical Steps to Start Learning Finance and Business posted at Life Optimizer. Starting with personal finance is a good way to learn finance and business. It is from personal finance that you get the most applicable ideas for your life. Isn’t it ironic if you know a lot about finance and business but have your own personal finance in a mess?

Paula Kawal presents The Truth About Clutter posted at paula kawal. This post is all about the mess. The mess hiding behind your desk, in your closets and drawers, bookshelves, cabinets and any visible space that you can put something. I’m suggesting that you get rid of it all…and create spaciousness in your living environment.

WBL presents How To Invest In Real Estate posted at Wealth Building Lessons. Bread and butter properties are just your basic, no-frills 3 bedroom, 2 bath, 2 car garage homes which are usually around 1250-1500 sq ft. These properties will give you the best rent-to-mortgage ratio.

Azmi M. presents Understanding the Law of Attraction posted at Work at Home Entrepreneur Blog. For some of you this is something new, for others I know you have heard of the “Law of Attraction”. This law is what some claim to be true and a small number of others find it false, is very interesting. The truth is this “Law of Attraction” is a law but it only happens to people who apply it.

Edithyeung presents 7 Habits of Highly Effective Money Managers posted at Edith Yeung.Com Dream Think Act. Money can’t work hard for you unless you are in control of the money. Money is like a child. The child can be easily tamed if you spend time to teach and nurture them. Otherwise, they can easily take over your life.

That concludes the third edition of the Carnival of Money, Growth & Happiness. Keep submitting your posts to the future editions of this carnival. I would appreciate a link back to this carnival.

Carnival of Credit Card #10

--By Sagar Satapathy

Welcome to the 10th edition of the Carnival of Credit Card. It has not been a great week for us, as we received only 9 posts out of which 5 posts managed to make the cut. Here are the posts in the order they were received.

Abdulrasool Sumar presents 10 Crucial Debt Reduction Mistakes posted at 3 Debt Consolidation. If you have had a debt settlement agreement with your debtors where they wrote off your debt, this automatically creates taxable income for you! According to IRS Form 980, if you receive a debt settlement of $600 or more, it will automatically be reported to the IRS and the beneficiary of this settlement will have to include this forgiven debt in his taxable income!

Stephanie presents Residual finance charge posted at Find Credit Online Blog. Make sure you've really paid it all off when you think your credit card is paid off.

The Free Geek presents Top 20 Geek Rewards Programs posted at The Free Geek. All that money you've spent achieving higher geekdom could actually be helping you in the long run, thanks to a myriad of reward programs.

Mr Credit Card presents Citi Professional Cash Card by AskMrCreditCard.com posted at Ask Mr Credit Card's Blog. The Citi Professional Cash Card allows you to earn 3% cash back on purchases made at restaurants, gas stations, certain office supply merchants, and for auto rentals.

Allen Young presents Credit Card Disclosures-Read the Fine Print posted at Living the Dream. Reading the fine print in your credit card disclosures can make you aware of some dangerous traps and save you money.

That concludes the 10th edition of the Carnival of Credit Card. Keep submitting your posts to the future editions of this carnival. Thank you for your support and contribution.

Carnival of Money, Growth & Happiness #2

--By Sagar Satapathy

Welcome to the second edition of the Carnival of Money, Growth & Happiness. We received 30 submissions out of which 24 posts managed to make the cut. Here are the posts that are featured on this week's carnival edition.

Praveen presents Constant Value Investing With Virtual Shares posted at My Simple Trading System. It is possible to boost the performance of Constant Value Investing by using virtual shares to magnify the buys and sells.

WBL presents Wealth Building Lessons » Blog Archive » Improve Your Credit Score by 100+ Points posted at Wealth Building Lessons. 4 easy steps to improving your credit score.

Kevin Kinchen presents Creative Power of Thought - Thoughts Become Things » The Bank of Spirit posted at Creative Power of Thought: Thoughts Become Things. Your purpose in life is to do what you enjoy. Literally, your purpose in life is to do, for the sake of humanity, that thing that puts you in-joy - the feeling of joy is the revelation of your highest truth.

Albert Foong presents How to be a rock in a chaotic world posted at Urban Monk. The inner resistance is not your fault; it is simply an automatic response. This article will help you to recognize that habit, and help you break it.

Anja Merret presents How to make a Million Dollars - Step Two posted at anja merret. Still believing in having a million dollars wander into your bank account with no work involved and it just happens because you imagine it every day? So it has been working for you then? Not really, Anja would imagine.

Frugal Zeitgeist presents your first date with the frugal zeitgeist posted at Frugal Zeitgeist. Neverthless, dating is an important topic in the context of frugality. For most people, a first date is like a job interview. There are plenty of variables to consider; for example, it's important to look nice, but not too nice; it wouldn't do to make one's date feel under-dressed.

He Just Laughs presents Sometimes the best investment is a book. posted at Endless Gibberish. The simple yet effective 10% savings plan explored in the book the Richest Man in Babylon is so simple yet many people don't apply it to their life.

Bdurfee presents Your Money - More Than You Know? posted at Thinking-Rich.com. How much money do you really need? Have you done an assessment lately - or is the fear of not having enough keeping you from realizing how much you do have?

Tushar Mathur presents Suze Orman's take on Mortgages posted at Life of a Resident Alien.... After the past few months of mortgage delinquency rates and home foreclosures creeping ominously upward, a lot of government attention is suddenly being focused on the "shocking" fact that many borrowers ended up with nontraditional mortgages they had little chance of affording once the alluring introductory periods expired.

Matthew Paulson presents Getting Fit Without Spending Money posted at Getting Green. Read on to learn more.

Rich presents 101 Ways to Save One Dollar a Week posted at Care on Credit. Is your rainy day fund all wet? Every paycheck, you plan to save, but it seems like there's nothing left over after bills and creditors get their share. It's getting tougher to pay the bills on time, let alone save any money! Don't fret; there's a solution. There are a lot of ways to put another dollar in your pocket here and there.

Craig Harper presents Do It Yourself Prison posted at Renovate your life with Craig. Craig has done some work speaking in prisons and he is going to tell ya, they're not that much fun. He has also done some work with people who have never been near a (real) jail.... yet in many ways, they are more 'imprisoned' that anyone he has ever met on the inside.

Steve Faber presents - Home Business Opportunity – How to Succeed With the Right One posted at Debt Free. Considering a home business opportunity? - Here are some things to think about, some prime reasons people fail in home business, and how to avoid them.

Michael Cook presents Option ARM Resets Are Here posted at Suite101: Mortgages/Loans articles. It has been close to four years now since the peak of the housing boom. For many that will mean that their Adjustable Rate Mortgages (ARMs) have recently reset or they will have a reset coming. Additionally, for most borrowers that will mean higher mortgage payments due to rate increases over the past four years.

FIRE Finance presents FIRE Finance: Amboy Direct's $50 Signup Bonus! - Top Personal Finance Blog for Early Retirement,Investing,Banking,Brokerages et al posted at FIRE Finance. If you are planning to open the account with a minimum of $100 to earn the $50 sign-up bonus, this is a great deal. But if you are looking for an online savings account and the minimum balance of $3000 appears too steep then you can consider opening an ING Direct Orange Savings account which is offering 4.5% APY with no fees and minimum balances!

Conan Stevens presents Acting Is High Pay But Don?t Try To Live Like A Movie Star posted at Actors And Acting Help. This article is written with Actors in mind but is useful advice for any career choice with inconsistent payments (ie sub-contractors).

Reb Chaim HaQoton presents Wisdom in Money posted at Reb Chaim HaQoton. Monetary law requires the involvement of human logic in making practical halachik decisions and drawing analogies between rules establish in precedents set by Rabbis of previous generations.

Arathi presents Law of Attraction posted at Success Step. It talks about the law of attraction. Don't miss out reading this post.

David Richeson presents Ready for something fun? posted at 360 Degree Success. Simple advice on how to live a happier life-- and have more fun in the process.

Wanda Grindstaff presents Be the Rhino, A Life of Purpose and Intention posted at Creating Abundant Lifestyles Begin With Abundance Mindset. The Rhino knows where he is going and will not be misguided or held back by the beliefs of others.

Murad Ali presents Reducing Business Expenses posted at The New Business World. Whether you are a home business or simply a small business you are going to have to reduce your expenses in order to increase the amount of money you actually take home.

Suresh presents Go for an extra mile posted at win-win. Remember the words of Martin Luther King, Jr, "If a man is called street sweeper, he should sweep streets even as Michelangelo painted, or Beethoven composed music, or Shakespeare write poetry. He should sweep streets so well that all hosts of heaven and earth will pause to say, here lived a great street sweeper who did his job well".

Caroline Latham presents Easy Steps to Improve Your Brain Health Now posted at SharpBrains. Improving your brain fitness can help you perform better today and maintain your independence tomorrow.

Livingalmostlarge presents The Continuing the saga of eating out with people posted at Living Almost Large. Sometimes I just hate eating out the coworkers, friends are not so bad as coworkers.

That concludes the second edition of the Carnival of Money, Growth & Happiness. Keep submitting your posts to the future editions of this carnival. Thank you for your support and contribution to this carnival.

Carnival of Credit Card #9

--By Sagar Satapathy

Welcome to the ninth edition of the Carnival of Credit Card. We have selected 12 entries that talk about credit card, debt and personal finance. Here are the posts in the order they were received.

Investments & Loans presents Does your Credit score matter? posted at Investments & Loans. The best and easiest way for a young person to start building a credit history is with a credit card. Pay on time. And do not max out your limit. And you can start building a good history.

Vedis Teh presents 5 Signs That You Are In Debt Trouble ! posted at ShowMeMoneyBiz.com. Studies show that many people with credit cards pay just the minimum amount every month, and "roll over" the rest to pay the following month.The next month, we roll the charge over yet again. That means we pay interest on our loan, every month. Plus, we pay interest on the interest we owe!

ISPF presents Stop Blaming Your Credit Card! posted at Grad Money Matters. Stop blaming your credit card for your debt. Taking responsibility for your mistakes is the first step towards a ensuring a better financial future.

The Frugalist presents 27 Fun Ways to Destroy Your Old Credit Card posted at Frugalist. If you have old credit cards lying about the house, you may be at risk for credit card fraud, and you could be missing out on just how cathartic it really is to destroy those little money fiends. Here are some fun ideas to help you destroy your old credit card. Fun doesn’t necessarily mean safe, so try these at your own risk.

WBL presents Wealth Building Lessons » Blog Archive » Improve Your Credit Score by 100+ Points posted at Wealth Building Lessons. 4 easy steps to improving your credit score.

Prince of Thrift presents Win Dave Ramsey Live Event Tickets!! posted at Becoming & Staying Debt Free. The Prince of Thrift is giving away a pair of tickets to a sold event. Popular financial expert, Dave Ramsey will be in Kansas City on May 5. If you don't have tickets, but want to go, here is your CHANCE. What a great place to learn to get your budget in order. Not to mention, why you should get rid of those credit cards.

Abdulrasool Sumar presents Importance of Your Credit Rating & FICO Score posted at Debt Management Community. How Credit Bureaus measure your credit score, from R0 (newbie to the Credit world) to R9 (defined any future credit). Article also explains the components of your credit score and the impact of your Credit Score on monthly mortgage payments.

Henry Bagdasarian presents Credit Card Fraud Prevention Tips and Advice for All Card Holders. posted at Free Identity Theft Prevention, Detection and Fraud Solutions. Credit card fraud is on the rise. If you're like most of us, you own, carry and use a bunch of credit cards. Actually, some of you may have credit cards which you are not aware of, never used them, or don't even know where they are.

Andy presents Credit Card Update posted at Money Walks. Credit card update- Paid off $1,404.22 last week.

Madeleine Begun Kane presents Yet Another Tax Filing Limerick posted at Mad Kane's Humor Blog. Why does tax filing time cause such stress? Wretched forms to fill out—it’s a mess!

Michael Cook presents Manage Your Credit Score posted at Suite101: Mortgages/Loans articles. Credit score management has become more important than ever. Understanding your credit drivers can help you keep your score high.

FIRE Finance presents Citibank - No Maximum Limits! posted at FIRE Finance. For those of you playing the Balance Transfer Game (0% APR), i.e. you transferred some principal into a high yield savings account to make some money on it; it would be worthwhile to recalculate your options. An example might explain the situation well.

That concludes the ninth edition of the Carnival of Credit Card. Keep submitting your posts to the future editions of this carnival. I thank you all for your support and contribution that helped this carnival to become popular in the blogosphere.

Carnival of Money, Growth & Happiness #1

--By Sagar Satapathy

Greetings! We are here with the inaugural edition of the Carnival of Money, Growth & Happiness. We mince no words to appreciate and thank our readers who participated in large numbers in this carnivals. We received 34 entries for the first edition out of which 27 posts managed to make the cut. Here are the posts that have been selected to be featured on this carnival edition.

Michael Fowke presents Money is the way posted at Money is the way. Money is the way and it's so beautiful, it's such a beautiful way. Socialism is dead and greed is good and all is well. The birds are singing in the trees, the cash registers are overflowing, and big hairy bears are crowding around the honeypot.

David Richeson presents Make More Money Without Selling Your Soul posted at 360 Degree Success. Have you ever felt like you move from day to day, week to week, paycheck to paycheck– barely getting by, unsure of your current career path, but with too many financial obligations to make any real change in your life? Learn how to balance financial growth with personal growth.

Alan presents Self-Esteem - How to pump it up posted at Made to Be Great. Having a high self esteem is healthy and good for us, it makes us feel great and be cheerful all day long. When we are feeling great we function at our best and attract others who also feel good about themselves and the world.

Amy Pedersen presents The Federal Trade Commission and Their Stand on Credit Reporting Agencies posted at Your Credit Score Secrets. The Federal Trade Commission (FTC) in response to thousands of complaints received from consumers, coordinated “Project Credit Despair” with the two main goals being to stop bad credit deceptive practices and to alert consumer to the potential damage that these credit repair agencies may do.

David presents The Wisdom of Great Investors posted at Worldwide Success. If you want to be a good investor the best way to learn is to listen to the greatest investors of all times and to try to absorb some of their wisdom. Here are a few quotes from some of the world’s greatest investors.

Eric presents Meditation: One Way to Simplify Your Life posted at saving simply. Meditation is an activity that doesn’t cost a cent, requires no equipment or special skills, and can be done just about anywhere. All you have to do is sit there and… exist, I guess. Amazingly, something that might seem boring and dull has the potential to be quite exhilarating.

WBL presents Ben Stein’s Basic Rules of Retirement posted at Wealth Building Lessons. Simple rules to make sure you don't retire broke.

Alex Shalman presents Seven Questions That Will Change Your Life posted at Self Help. Self reflection should be more than a minor consideration if you’re serious about personal growth.

Paul presents Fear Keeps you from Living a Longer and Happier Life posted at ExtremePerspective. Live longer and happier by being optimistic.

Silicon Valley Blogger presents 9 Reasons Why I Love My Credit Card posted at The Digerati Life. You may consider this a “devil’s advocate” post what with all the personal financial advice out there telling us to cut up all our credit cards, shred them and scatter their tiny little vestiges across various trash bins.

Kevin Kinchen presents Mastery of Money posted at Creative Power of Thought. In truth, money is actually an aspect of being alive as human beings that is quite easy to master. Money, like all things in life is attracted to you in accordance with your true thoughts about it.

Caroline presents I am busy executive with a challenging job. How is brain fitness relevant to me? posted at Brain Fitness Blog. How stress management may help us improve our quality of life and performance at work.

Lisa Mills presents The 411 on Credit Card Hopping posted at Work at Home Mom Revolution. Jumping from one low interest rate card to the next, over and over, can damage your credit rating. And avoid taking credit card cash advances. These carry a very high APR, and should only be used in a true emergency.

Ted Reimers presents Benefits of getting an MBA posted at CampusGrotto. An MBA will give you money, growth and happiness.

Rebecca Newburn presents Suze Orman Supports Financial Literacy for Women posted at Information Age Education. Suze Orman offers advice and a great deal for women (and men).

Albert Foong presents How to live consciously and powerfully posted at Urban Monk. What is unconscious living? Unconsciousness is letting our mental and emotional bodies take over. These bodies behave according to previous programming, and we have no conscious control. Get out of this to gain true power.

Tushar Mathur presents 25 Rules to Grow Rich by posted at Life of a Resident Alien.... Spend no more than 2 1/2 times your income on a home. For a down payment, it's best to come up with at least 20%.

Investments & Loans presents How the credit card game is rigged posted at Investments & Loans. The first of the dirty tactics, which is an industry standard, is called universal default. It is basically the right the credit card company reserves to hike your interest rate if you miss a payment, over draw against you approved limit, etc.

Paul presents Car cost saving tip posted at ExtremePerspective. There are a couple of cost savings measures that Paul did not mention in his previous article on car buying strategy. You can read them here.

Aspeth presents The Lost Art of Frugality posted at Twelve Years Of Being Annoyed By Chloe Sevigny. Thanks to some early lessons from a Depression Era grandparent, I know how shaving pennies from everyday expenses can quickly add up to some serious dollars. I get an odd thrill from my money-conscious lifestyle, and hope others can share a similar sense of satisfaction from frugal living.

Craig Harper presents Excess posted at Motivational Speaker. When will we realize that we don't need 1,200 TV channels... perhaps 600 is enough. One of my friends just put a dish on the roof of his house that's the size of a Hyundai... apparently it picks up Japanese TV stations... the fact that he only speaks English is irrelevant; he wants it. When I pointed out that he didn't speak Japanese he looked perplexed... then I realized that it wasn't about actually watching the Japanese stations.. it was about being able to tell his mates that his TV could get Japan.

Madeleine Begun Kane presents Form 1040 Blues posted at Mad Kane's Humor Blog. So, have you started working on your 2006 income tax return yet? Madeleine hasn't.

Ririan presents See How Easily You Can Overcome Your Worries posted at Ririan Project. Are you someone who worries all of the time, afraid of saying the wrong thing or overly concerned with how you look? You are not alone. Only in USA there are more than 19 million people classified as chronic worriers.

Steve Faber presents - How to Save Money Everyday - A Different Perspective posted at Getting Debt Free. The average person should consider the effects of vehicle depreciation as well. Every mile you drive your vehicle is that much closer to the next time you'll need to purchase another.

Mr Credit Card presents Cash is King - But I don?t Carry Cash! posted at Ask Mr Credit Card's Blog. The Mr Credit Card family was in New York over the weekend. The kids had a great time in the Museum of Natural History, visiting the Statue of Liberty, Toys R Us and the M&M Outlet at 48th at Broadway. And, how did they utilize their old credit cards? Read on...

The Frugalist presents 27 Fun Ways to Destroy Your Old Credit Card posted at Frugalist. If you have old credit cards lying about the house, you may be at risk for credit card fraud, and you could be missing out on just how cathartic it really is to destroy those little money fiends. Here are some fun ideas to help you destroy your old credit card. Fun doesn’t necessarily mean safe, so try these at your own risk.

Alvaro Fernandez presents Brain Exercise FAQs posted at Brain Fitness Blog. The post focuses on the importance of brain exercise.

That concludes the first edition of the Carnival of Money, Growth & Happiness. Keep submitting your posts to the future editions of this carnival. I thank you all for your support and contribution to this carnival.

Carnival of Credit Card #7

--By Sagar Satapathy

Greetings! Welcome to the seventh edition of the Carnival of Credit Card. It is really good to notice that this carnival is getting good response from bloggers across the blogosphere. Without further ado, here are the posts in the order they were received:

WBL presents Watch Out For Pay Day Loans! posted at Wealth Building Lessons. For many people the ability to borrow $500 to fix the car or $200 to cover an emergency can be useful and is often highly appreciated. If your credit is bad (and even if its not) banks can be difficult and time consuming to deal with. The easiest and quickest solution is to get a pay-day loan.

Amy Pedersen presents Credit Score and Credit History Have a Deep Connection posted at Your Credit Score Secrets. Many think of credit scoring systems as very vague “Wizard of Oz” type all powerful machines which control your number at a high speed.

Matthew Paulson presents "Citibank Credit Cards Becoming More Consumer Friendly posted at Getting Green. Another change that Citibank is making is eliminating the ability to change one’s rate for “any time or any reason.”

Silicon Valley Blogger presents 5 Things I Learned From Casey Serin, The Guy Behind “I Am Facing Foreclosure” posted at The Digerati Life. This is about a guy who took on too much debt.

Anja Merret presents Big Brother will be able to watch everything posted at anja merret. Cashless society by 2012. Plastic will replace cash.

Mr Credit Card presents Tribute Mastercard Review by AskMrCreditCard.com posted at Ask Mr Credit Card's Blog. The Tribute Mastercard from First Bank of Delaware is an unsecured credit card designed for those with not so good credit. This card allows you to get an initial credit limit of $300. Find out more about this card.

Nickel presents My Favorite Reward Credit Card posted at fivecentnickel.com. You can cash out your rewards in several ways. For example, you can fax in receipts for automotive service and they’ll apply a credit to your balance.

Priya Jestin presents Starting Early: The Young Adult’s Guide To Personal Finance posted at Debt Consolidation Lowdown. Statistics show that 40% of the people in the United States live beyond their means and nearly 50% of all students are in credit card debt.

Phil presents To Rent or Own? « Phil for Humanity posted at Phil for Humanity. A lot of people still cling to the common misconception that the tax deduction on the interest of a mortgage completely offsets the costs of the mortgage.

That concludes the seventh edition of the Carnival of Credit Card. Keep submitting your posts to the future editions of this carnival. Consider giving a link back to the carnival whenever you get time. That would be greatly appreciated. The eighth edition of the Carnival of Credit Card will be hosted at FIRE Finance on 04 April, 2007.

Carnival of Money, Growth and Happiness to be Hosted here

Here's a good news for our readers. We are going to host the first edition of the "Carnival of Money, Growth and Happiness" on April 07, 2007. We require interesting blog posts on Personal Finance, Frugality, happy living, credit card, debt avoidance, financial growth and other related issues. Feel free to submit your entries through the Blog Carnival Page.

Carnival of Credit Card #6

--By Sagar Satapathy

Welcome to the sixth edition of the Carnival of Credit Card! Thanks everyone for participating in this carnival. Although I included most of the entries, there were some that did not meet the criteria. Here are the posts in the order they were received.

Living Almost Large presents Home Depot 0% CC payoff posted at Living Almost Large. Living Almost Large says, "I paid off a 0% CC, just makes me feel better. I think I'm not cut out for playing the arbitrage 0% game".

MNC presents Careful With Those Cards posted at My New Choice. Pay close attention to avoid a costly mistake.

The Free Geek presents 12 Little Known Facts Every Cardholder Should Know posted at The Free Geek. 12 Little Known Facts Every Cardholder Should Know.

Brett Weiss presents $1,000 A Day: Credit Card Solicitations in America at Bankruptcy Law Network - Real Lawyers, Real Solutions posted at Bankruptcy Law Network - Real Lawyers, Real Solutions. In 2006, credit card companies mailed out 8 Billion credit card solicitations, a thirty percent increase over 2005. That’s 73 for every household in the country.

Jimmy Atkinson presents Can Contactless Credit Cards Be Hacked? 5 Tips to Stay Secure posted at Ask the Advisor. Learn more about contactless credit cards. The article gives 5 Tips to Stay Secure against credit card hacking.

Wilson Ng presents Cash Flow is King posted at Reflections of a BizDrivenLife. when planning a business, it is good to always have a strategy to insure that you don't unnecessarily run out of cash.

Matthew Paulson presents Ten Facts the Credit Card Industry Doesn’t Want You to Know posted at Getting Green. There’s nothing inherently wrong with debt, however when debt is misused, it can become a major financial nightmare. Credit cards are one of the most abused and misused financial products on the market. Here are ten facts that the credit card companies would prefer that you didn’t know.

Stephanie presents Do you really understand the fine print? posted at Find Credit Online Blog. Understanding the fine print in your credit card agreement can save you quite a bit of money and help you to use your cards wisely.

Madeleine Begun Kane presents Man Can?t Live By Bread Alone ? Or Can He? posted at Mad Kane's Humor Blog. Here’s some bread for some bread at the store. Bring back change or you’re toast, cause we’re poor.

Nickel presents How to Profit from 0% Balance Transfer Credit Card Offers posted at fivecentnickel.com. There’s been a lot of talk recently about taking advantage of 0% balance transfer credit card offers. When it comes to getting rid of credit card debt, the utility of these balance transfer offers is pretty obvious — simply transfer balances from higher-rate cards to a 0% credit card and save a ton on interest while you pay off your debt.

YeOleImposter presents App-o-Rama - Let the Fun Begin posted at Money & Investing Dogberry Patch. 1st in a series of investing 0% balance transfer money to earn some extra money.

Golbguru presents 0% APR Credit Card Arbitrage Quick Tips posted at Money, Matter, and More Musings. A couple of quick tips to those using credit cards for 0% APR balance transfer offers.

Michael Emilio presents 8 Steps to Getting Your Finances in Order For a Mortgage posted at Michael Emilio. Instead of budgeting what you’d like to spend, use receipts to create a budget for what you actually spent over the last six months.

Nenad Ristic presents Money Conciousness » What is Money? posted at Money Conciousness. The most commonly used definition of money in economics is “Money is a medium of exchange”. A very simple definition, to be sure, yet with many hidden depths.

David Weliver presents FICO Expansion Credit Score Helps Build Credit Faster posted at Money Under 30. Credit scoring agency Fair Isaac has announced a new type of credit score that will help people with insufficient credit history get approved for loans and credit scores.

L.L. presents Credit Card Tricks and Tactics: What You Should Know posted at Interest. Credit cards are regarded with high suspicion by many people. However, some of these same people use multiple credit cards! If you can't avoid using credit cards (perhaps due to necessity), it's wise to at least watch out for the shady tactics some credit companies employ.

Mr Credit Card presents Credit Card Review : Discover Platinum Card posted at Ask Mr Credit Card's Blog. The Discover Platinum Card is a unique hybrid reward and cash back credit card.

FIRE Finance presents Top Three 0% APR Cash Back Credit Cards! posted at FIRE Finance. Chase Free Cash Rewards Visa Card is a great way to earn cash back and save money. This card is also offering 1000 FREE sign up bonus points.

Matt Hutter presents How To Save Money On Credit Cards posted at MattHutter.com. Article details tips for negotiating with your credit card lenders.

Phil presents Think Before Donating « Phil for Humanity posted at Phil for Humanity. How can people, who are in debt, feel comfortable donating?

Azmi Mufti presents How to Keep Your FICO Score Up posted at Work at Home. Three things you can do to raise your credit score and keep it up. Learn those.

With this, the sixth edition of the Carnival of Credit Card is concluded. Keep sending your posts to this carnivals and please don't forget to give a link back to the carnival post, which is necessary to make this carnival popular on the blogosphere.

Carnival of Credit Card #5

Greetings! The fifth edition of the Carnival of Credit Card is up at Thrifty Mommy. Karen has done a great job by hosting the carnival in a short notice. She has included many interesting, useful posts to this carnival. I liked David's article in particular, Get out of Debt Now! Enjoy the carnival.

Carnival of Credit Card #4

--By Sagar Satapathy

Welcome to the fourth edition of the Carnival of Credit Card! We have received some interesting submissions this week. Here are the posts in the order they were received:

Karen Weideman presents The Thrifty Smart Cookies posted at Thrifty Mommy. This is about 5 young women that have formed an accountability group called "The Smart Cookies". They are focusing on paying off debt, saving, and investing. They meet weekly to discuss how successful they have been during the week with their goals. Here is another link, if you like it better.

Jane May presents Career Ramblings » Blog Archive » Keeping Your Credit Clean: Crucial Tips You MUST Consider posted at Career Ramblings. When a credit check is made by a potential lender it is called a “hard inquiry.” When a hard inquiry occurs it does have an impact on your credit score. However, when you’re shopping for a mortgage or a car loan, credit bureaus typically cluster the hard inquiries together because the credit reporting bureaus understand that the consumer is shopping for the best loan available.

Matthew Paulson presents Saving Money Through Coupon Arbitrage posted at Getting Green. Want to cut down a bit on your credit card purchases? Save money by making use of coupons that other people don't want.

Andy presents I just got approved for a credit card limit of 25k! posted at moneywalks. Andy has been trying to build his credit for about 3 years now, consistently checking his credit report and making sure to meet his payments each month and finally, his bank decides that they can “trust” him with a credit card with 25,000.00 dollar limit.

Bryan C. Fleming presents Million Dollar Savings Club Update: Week 5 posted at Bryan C. Fleming. Get the update on the Million Dollar Savings Club - week 5.

Darlene Berkel presents A Student Visa Credit Card: The Wings on Which Your Dreams Can Fly posted at Every One Loves To Travel. The most common student card is the Visa Classic Card. This is usually a phenomenal tool when students travel for fun or for studying abroad.

MNC presents Be Honest With Yourself posted at My New Choice. The turning point in eliminating credit card debt is being honest with yourself and facing the cold, hard facts.

supermom_in_ny presents Credit Card Assist: See Each Credit Card's Pros and Cons in a Glance! posted at Getting Out of Debt. Many personal finance bloggers compare credit card's: rates, annual fees and rewards. There are many credit cards out there offering rewards for mileage, groceries, cash and even toys! To sort through all the cards without the hassles visit one site: Credit Card Assist.

Mr Credit Card presents Which Hilton HHonors Credit Card should you get? The American Express or Visa Version? posted at Ask Mr Credit Card's Blog. There is a comparison between two credit cards. Read on...

Andrea Dickson presents The beauty of keep the change debit cards posted at Wisebread personal debt. Keep the Change works like an electronic version of a change jar, but a change jar that doubles the amount that you throw in there. You know how you hear that when you pay cash for something, if you ALWAYS put your leftover change in a jar, at the end of a year, you’ll have several hundred dollars saved up? That’s true if you are the cash-paying type.

WH presents My Personal Finance Blog: Credit Line Increase: Good or Bad? posted at My Personal Finance Blog. A credit line increase can be good when you don't define "credit available" as "cash available." "Cash available" is what you can afford to pay off in full when the credit card bill arrives at the end of the month; "credit available" is what the credit card company will allow you to charge, regardless of whether you can really afford it.

Silicon Valley Blogger presents Of Loan Refinancing, Debt Consolidation And LowerMyBills’ Dancing Cowboys posted at The Digerati Life. This post highlights a company in the debt consolidation and loan refinancing business.

Steve Faber presents How The Red Flags of Debt Can Save You posted at Debt Free. The debt early warning signs to watch for.

David Weliver presents How to Use a Credit Card Responsibly posted at Money Under 30. Before you can use a credit card responsibly, you should understand how credit cards work.

Praveen presents Site to Compare Airline Credit Cards posted at My Simple Trading System. The airline credit card comparison pages allow you to compare and find information about American Express, Visa, and Mastercard cards that are issued for the different airlines, such as Delta, Jet Blue, American, and United.

John Barker presents John Barker's Mortgage Blog: Is my mortgage company selling my name to mailing lists? posted at John Barker's Mortgage Blog. Too many consumers are often unaware of trigger lists - but they need to know how they are used and that their banks and mortgage companies are not the culprits. They also need to know how to protect themselves and their personal information.

Paula presents Credit Cards - No Signature Required posted at Queercents. A commentary on the new "no-signature" trend with credit cards.

Priscilla Ortiz presents Priscilla Ortiz - Journal to Prosperity, Path to Freedom Inc.: What's Your Budget? posted at Priscilla Ortiz - Journal to Prosperity, Path to Freedom Inc. This is the beginning of a new year and another chance to organize our lives.

FIRE Finance presents 5% Cash Back Rewards Card For College Students! posted at FIRE Finance. Citibank has come up with a great rewards card for students. It is known as the Citi mtvU Platinum Select Visa Card for College Students. Read more...

With that, the Carnival of Credit Card is concluded. It is important for all carnival participants to do their part to support the carnival and help it grow by promoting it on their personal site. We will appreciate any such gesture on your part. If you want to host this carnival in future, let me know at sagar13d (at) gmail (dot) com.

Carnival of Credit Card #3

--By Sagar Satapathy

Welcome to the third edition of the Carnival of Credit Card! This time, we received some interesting posts that are exclusively related to credit card. Here are the posts in the order they were received:

Matthew Paulson presents I Have a Credit Score of Zero…And I Love It! posted at Getting Green. Many will be asking, “Don’t you need a high credit score to get a home loan, automobile loan, get a credit card or rent an apartment?” In some cases yes, but Matthew loves to have a credit score of zero. Sounds crazy? Read more...

Paula presents How Much Can I Save On My Credit Card Debt? posted at Queercents. Paula at Queercents writes about paying down credit card debt. One of the keys is to follow a plan that maximizes your efforts and makes each dollar you pay toward the balance stretch as far as possible.

Nickel presents Free Bonus Miles for Applying for Frequent Flyer Credit Cards posted at fivecentnickel.com. Nickel highlight the bonus miles promotions that she had run across when looking at frequent flyer credit cards. Learn more about the six cards with sign-up bonuses and no annual fee.

Matthew Paulson presents Cut Up Your Credit Cards, Today! posted at Getting Green. Matthew argues that credit cards serve no other purpose but to get you in debt on a regular basis and keep you there.

NCN presents People Sure Do Love Their Credit Cards posted at No Credit Needed Blog. NCN wrote this post in response to an article about not using credit cards. NCN has not used one not used one in 2 years. Sounds interesting?

Scott Lee presents How to Handle Your Credit Cards posted at Dirty Mechanism. Perhaps one of the biggest sources of debt in the entire United States is credit card debt. If you are one to browse through personal finance websites, you’ll hear a common story everyday. People in debt up to their eyeballs with $50,000, $100,000, even $200,000 in credit card debt.

Andy presents How to improve your credit score posted at moneywalks. Andy has given a quick list of 5 things you can do to improve your credit score.

Mr Credit Card presents Orchard Bank Mastercard Review by AskMrCreditCard.com posted at Ask Mr Credit Card's Blog. Mr Credit Card recommends the Orchard Bank Platinum Mastercard to those who have no credit or poor credit and for those who are recovering from bankruptcy filing. Is there any takers?

Kevin Surbaugh (aka the Prince of Thrift) presents Top Ten Credit Tips posted at Becoming & Staying Debt Free. "Top 10 Credit Tips," that Kevin found an interesting read.

Will Chen presents Man Tears Up Credit Card Application. Fills It Out. Sends It In. Result: Card Approved! posted at Wise Bread - Living large on a small budget. Man Tears Up Credit Card Application. Fills It Out. Sends It In. Result: Card Approved! Some interesting facts are given by Will. Read on...

Big Cajun Man presents Financial Resume: Credit Cards posted at Canadian Financial Stuff. As part of his Financial Resume exercise, Big Cajun Man examines his use of Credit Cards and carrying debt on them.

FIRE Finance presents Free Money - $100 Sign-up Bonus From Citi Professional Master Card! posted at FIRE Finance. $100 Sign-up Bonus From Citi Professional Master Card.

That concludes the third edition of the Carnival of Credit Card. I thank you all for your submissions. Keep submitting such great stuffs to this carnival in future too. Please don't forget to give a link back to this carnival, as this is necessary to make it popular on the web.

We are also hosting the Carnival of Debt Management at Debt Consolidation Lowdown. The first edition of the Carnival of Debt Management was held on 22 January, 2007 and the next edition will be held on 05 February, 2007. The Debt Consolidation Lowdown is also going to feature some interesting and useful articles in the coming days. Keep checking the site.

Carnival of Credit Card #2

--By Sagar Satapathy

Welcome to the second edition of the Carnival of Credit Card. Contrary to our expectations, we received a large number of submissions out of which 18 posts were selected on the basis of merit. Here are the posts that made the cut for this edition of the carnival.

Tracy Coenen presents Don't let those Christmas gift cards go to waste posted at FRAUDfiles. Tracy says that 15% to 19% of gift cards purchased from retailers are never redeemed. She provides useful tips on how to use these gift cards.

Moneywalks presents Things to consider when choosing your credit cards posted at Money Walks. Moneywalks listed the points to be considered before choosing the right credit card.

Kevin (the Prince of Thrift) Surbaugh presents Kansas To Consider Capping PayDay Loan Interest posted at Becoming & Staying Debt Free. Melody McCray-Miller, a Wichita Democrat is hoping a measure she plans to introduce in the upcoming legislative session - which could include and interest rate cap similar to the one that drove the payday loan industry out in North Carolina - would make "predatory lending" less lucrative in Kansas.

alCorey presents The Battle With PayPal posted at myopiniononeverything.com. Have you ever had problems with PayPal? Corey writes about his battle with PayPal.

Steve Faber presents Credit Card Company Tactics to Watch Out For posted at Debt Free. Credit card companies use several tricks to woo the customers and then maximize their profits. Steve's post gives an insight into the tricks adopted by the credit card companies.

Nickel presents 0% Balance Transfer Credit Card Offers to Start the New Year Right posted at fivecentnickel.com. Are you looking to reduce your high-interest credit card debt burden? Or perhaps you'd like to make a few bucks using other people's money? If so, then read Nickel's article.

Jim presents » Using 0% Balance Transfers to Pay Off Debt on Blueprint for Financial Prosperity posted at Blueprint for Financial Prosperity. The post discusses the benefits and drawbacks of using 0% balance transfers from credit cards to pay down debt.

gnFIRE Finance presents Free Money - $50 from First National Bank's Rewards Advantage Platinum Edition Visa Card! posted at FIRE Finance. FNB is offering a $50 sign-up bonus for their Rewards Advantage Platinum Edition Visa Card. This post discusses our experience with FNB in details. The sign-up bonus of $50 is sent as a gift card.

2 Pennies Earned presents 2 Pennies Earned: Discover Card $40 Enterprise Rent-A-Car Certificate posted at 2 Pennies Earned. Learn more about the Discover Platinum Cashback program.

Vahid Chaychi presents How to Report Spam and Scam Emails posted at Work at Home Entrepreneurs. Scammers are always ready to steal your personal and specially your credit card info. One of their methods is through sending spam/scam emails and contaminating your computer with spyware. You should be able to report them.

Scott Lee presents How the Poor Get Rich posted at Dirty Mechanism. An interesting post on how the poor get rich! According to Scott, with the ideal financial attitude, the secret to getting rich is not so much in making money, but it is also about saving money.

Stephanie presents Where did that come from? posted at Poorer Than You. Poorer Than You ponders just where her credit card debt came from, when she started off doing so well!

Bryan C. Fleming presents Million Dollar Savings Club Update: Day 135 posted at Bryan C. Fleming. Get an update on the Million Dollar Savings Club.

Praveen presents My Simple Trading System: The Thrifty Scot posted at My Simple Trading System. Praveen discovered a new site that seems geared towards the U.K. market, features current financial news, commentary, and financial advice about saving money in the areas of credit cards , secured loans, mortgages, savings accounts, and home insurance.

Steve Faber presents What's Your Financial New Year's Resolution? posted at Get Debt Free. If becoming debt free or substantially debt free is your goal, that's fine as far as the big picture, but what exactly are you going to do this year to achieve it? Read on...

Mr Credit Card presents Union Plus Credit Card Review posted at Ask Mr Credit Card's Blog. Mr Credit Card gives a review on Union Plus Credit Card.

Kristine presents How to establish credit posted at Financial Tips for WAHMs. If you're just starting out in your financial life, you may not have any established credit. You need credit for many things - renting an apartment, car rentals, credit cards, buying a car, etc. Get some tips on how to build your credit.

Joe Caterisano presents "Transforming Debt Into Wealth" by John Cummuta review posted at penny pinching. Joe recommends "Transforming Debt Into Wealth" by John M. Cummuta, which he says is helpful for eliminating debt.

That concludes the second edition of the Carnival of Credit Card. It is great to see that there has been a sharp increase in the submissions to this edition as compared to the last one. I hope to receive more such posts on credit card related issues in future. Please don't forget to give a link back to the carnival post. This is important to make this carnival successful on the blogosphere.

We have two great financial weblogs: Credit Card Lowdown and Debt Consolidation Lowdown. Take a tour of our sites and if you like, you can consider adding them to your blogroll or give a link back to any of the posts. We will appreciate any such gesture. Thanks!!!

Important Anouncement: We are going to host the first edition of the "Carnival of Debt Management" at Debt Consolidation Lowdown on Janauray 22, 2006. We require interesting blog posts on debt management, debt consolidation, credit card debt, personal finance, bankruptcy, student debt and other debt related issues. Feel free to submit your entries through the Blog Carnival Page.

Carnival of Credit Card #1

--By Sagar Satapathy

Hi Everyone! Welcome to the first edition of the "Carnival of Credit Card". I am overwhelmed to get a huge response to this carnival despite the holiday season. I also wonder why for a long time, nobody bothered to create an exclusive carnival on credit card related issues although there is hardly anyone who does not use credit card. Thankfully, I got the honor to host the first edition of the Carnival of Credit Card on the blogosphere.

I have little doubt that it will become the most successful financial carnival in the days to come. I received a large number of submissions out of which 21 entries made the cut. Without further ado, let me take through those great posts in the order they were received.

Mark Shead presents Freezing your credit cards posted at Debt Consolidation. Mark shows an interesting way to freeze your credit cards if you are unable to control your spending. You will enjoy it!:)

Bryan C. Fleming presents Money In The Bank posted at Bryan C. Fleming. This is a good, informative post on Christmas spending. Bryan says, "If Christmas is a little lighter this year, so what? Be creative. By saving now, you’ll have a nice Christmas every year because you’re learning to save money".

Laura Young presents Has Your Identity Been Stolen? Make Sure You Check! posted at The Dragon Slayer's Guide to Life. Laura says, "It happened to me. It happened to my 87 year old mother-in-law. It can happen to you. Here are some things you should know if your identity is stolen".

Madeleine Begun Kane presents Ode To Prosperity posted at Mad Kane's Humor Blog. This is a humorous comment on financial prosperity. A good Christmas reading!

Steve Faber presents Debt Free Year End Financial Review posted at Debt Free. Steve came up with a review on debt freedom and financial security and urges us to make a realistic assessment of our assets and liabilities with an eye toward revising our financial plans for the coming year.

Silicon Valley Blogger presents There’s Treasure In My Trash posted at The Digerati Life. This post is extremely helpful: it's a post on how to protect your identity by shredding documents including your credit card account statements and applications.

Jonathan Lambert presents Get A Pulse On Your Credit posted at Wise Bread. Jonathan gives an insight into the existing credit card regulations. The post also have some tips on how to keep your credit history updated.

Kristine McKinley presents Missing Credit Card Statement? posted at Beacon Financial Tips & Tools. Kristine's post alerts us about the missing credit card statement and the consequences aftermath.

TJP presents Fidelity Investments Visa Rewards Credit Card Review posted at Investor Trip. Fidelity Investments partnered up with Visa to introduce the Fidelity Investments Rewards Visa Signature Card with WorldPoints. To know more, read on...

Darlene Berkel presents A Student Visa Credit Card: The Wings on Which Your Dreams Can Fly | Every One Loves To Travel posted at Every One Loves To Travel. Darlene says, "the most common student card is the Visa Classic Card. This is usually a phenomenal tool when students travel for fun or for studying abroad".

Bryan C. Fleming presents Million Dollar Savings Club hits 100 Days! posted at Bryan C. Fleming. This post is aimed at people who invested in the Million Dollar Savings Club.

Darlene Berkel presents How Do The Reward Travel Credit Cards Work For Your Benefit? posted at Every One Loves To Travel. Darlene says, "one way to gather reward travel points is through your credit card, as sometimes the same incentives are applied by your bank or Credit Card Company as well".

Credit Card Debt Savior presents Credit Card RFID Chips - Consumers be Warned posted at Crediteria Credit & Finance. An interesting post on credit card RFID chips. This is what Senator Schumer said about RFID chips and credit cards: "May as well put your credit card information on a big sign on your back for identity thieves".

Rich presents The best credit card rewards programs posted at Queercents. There is a difference between the rewards that credit cards give you. Rich at Queercents gives a primer on picking the right one for you.

Kevin (the Prince of Thrift) Surbaugh presents You Can't Beat The Credit Card Companies posted at Becoming & Staying Debt Free. This is an interesting post on the tussle between the consumers and the credit card companies.

Barbra Sundquist presents How to Get Your Free Credit Reports posted at HomeBusinessWiz.com. It is all about getting free credit reports.

Hustlermoneyblog presents $100 bonus with Chase Cash Plus Rewards with 5% cash back on everyday purchase posted at Hustler $$$ Blog. The post focuses on free money and a credit card you can use for everyday purchases.

Jeremy Waller presents How Credit Card Debt Can Kill You posted at Simple Financial Advice - WallerBlog.com. Do you like your credit cards? Do you use them for a lot of your spending? Do you carry a balance on your cards each month? It may be killing you and you don't even know it.

Silicon Valley Blogger presents There’s Treasure In My Trash posted at The Digerati Life. The post is all about id theft.

ISPF presents Large Credit Lines on Credit Cards posted at International Student Personal Finance. This post discusses the "how" and the "why" of having large credit lines on credit cards.

Joe Caterisano presents Debt solution posted at penny pinching. The post has extracts from "Transforming Debt Into Wealth" by John M. Cummuta. Joe presents two of the VHS from a complete kit.

With this, I conclude the first edition of the Carnival of Credit Card. I expect to see more interesting posts in the future editions of this carnival. Merry Christmas and Happy New Year to all our readers!

Carnival of Credit Card to be Hosted at Credit Card Lowdown

Here's a good news for our readers. We are going to host the first edition of the "Carnival of Credit Card" on December 25, 2006. We require interesting blog posts on credit card, personal finance, debt and other credit card related issues. Feel free to submit your entries through the Blog Carnival Page.