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Saturday, July 15, 2006

Carnival of Personal Finance, right here! (week #57)

Welcome! This is the 57th week of the carnival of personal finance! If you're new here, feel free to browse around and look at some of my older posts - I like to write about many topics beyond personal finance (including a recent post about life in North Korea).

Now on with the carnival! I received 42 submissions this week and here they are. They are ordered by primarily by the time of submission. Bolded and italicized articles are the best in my opinion, while some submissions will be penalized for being incoherent or being a general waste of time.

Praveen Puri from My Simple Trading System introduces us to the technique of constant value investing.

Emmanuel Oluwatosin gives some advice on how much money one needs to be their own boss.

Blogtrepreneur discusses how he uses ebay to make money on the internet.

Pacesetter Mortgage Blog helps answer the problem of revealing your income to your mortgage broker.

We're In Debt rambles on until he gets to his point about a system for keeping receipts. (574 words)

Penny Foolish shares a well organized and written guide on how to start a blog. (2921 words)

FMF at Free Money Finance presents some Alternatives to Retiring. Some work, most don't. (ie. working is the opposite of retiring, not an alternative!)

Consumerism Commentary, like many others before him, tries to decide between ING direct or HSBC direct.

Frugal Wisdom from Wenchypoo's Warehouse submits a LONG article about "Inflation". (1439 words)

frugal underground shares with us tips on how to find an affordable vacation rental.

jim at Blueprint for Financial Prosperity presents Spread Your Savings Across Multiple Online Banks

AboutPMI at About Private Mortgage Insurance shares a Sample Letter to Cancel Private Mortgage Insurance

Ian Anderson from Myquo.com shows us why your house might not be your biggest investment.

Insureblog wonders why people purposely ignore and don't care about how much their medicinal care costs.

Amanda at Young and Broke explores the creation of an emergency fund.

Free The Drones Blog shares hints and instructions on how to improve your credit score by fixing common mistakes in your credit report.

Dan Melson at Searchlight Crusade presents Agents Refusing to Make an Offer on Real Estate.

mimi from Pocket Change discovers the joy of Books on CD and offers a tip on how to listen for free.

Jeff Howard rehashes the boring Roth IRA vs Traditional IRA comparison. I swear every single money blog has done one of these articles, we don't need anymore!

Stock Market Beat has a short post on Data Point Investors.

Paul's Tips shares an excellent article on tackling the question of to rent or to buy?

Nick from Trading Winner helps us choose an online stock broker.

2million gives us an interesting and inside look at negotiating a property price. I had to look this up, but FSBO apparently stands for For Sale By Owner. Unique article.

Queercents shares some thoughts and facts about owning a vacation home.

Single Ma's Fabulous Financials highlights why she likes credit cards and high limits. Common knowledge for most money bloggers, but well presented. Worth a read for those that are new.

My 1st Million At 33 gives some solid advice on accumulating wealth from the 20's to the 50's. One hint: it involves saving.

Getting Out of Debt shares a story and advice on shopping and credit card debt addictions.

Nick from Punny Money wants to help you marry your wife, not her lawyer.

Jonathan from MyMoneyBlog analyzes a credit card rewards program and figures out how to get a free set of tires.

It's Just Money talks about how Southwest's in-flight magazine "sells out." A post about him not reading the first thing on the page.

The MotherLoad shares her first experience using ebates.

Accumulating Money gives us some faulty retirement assumptions.

Journey To Financial Freedom explains how to set your personal level of financial freedom.

InvestorGeeks presents a well written article detailing your options if the USD declines and inflation rises. In error, they also submitted another article analyzing CD laddering. I'm including both because they are excellent, well thought out articles.

My Financial Awareness writes about tithing and how the law of tithing does not merely apply to finances. The Dali Lama, Dilbert, and Mother Teresa are all mentioned in this unique post.

Money and Values ponders how much money one should keep in a checking account.

Pragmatic Finance explores and compares some target retirement funds.

The Prince of Thrift wants to share his financial mission statement with us.

StopBuyingCrap.com reminds us not to let the boring nature of personal finance stop us from caring.

nickel at fivecentnickel.com dissects and analyzes Bank of America's "Out of State" Check Policy

NCN submits some basic and sound advice for the financially out of shape.

Business Opportunities Blog compiles 10 questions to help you figure out if buying a business is right for you.

Okay, and that's it! I hope you all enjoyed the wide variety of topics and posts. The carnival next week will be held at AllThingsFinancial. Take care.



Anonymous LAMoneyGuy said...

Hi, thanks for hosting. What did you mean by, "A post about him not being able to read properly"?

10:03 AM  
Blogger justanotherblogger said...

I meant that you did not properly read the page, as you clearly skipped the first thing written!

Maybe it's b/c I always read from the top down and notice the "special advertising section" words very clearly.

10:31 AM  
Blogger Adnan said...

Thanks for featuring me in this week's Carnival of Personal Finance!

11:17 AM  
Anonymous LAMoneyGuy said...

Cool, thanks again for hosting. Great job.

11:32 AM  
Blogger Henry Stern, LUTCF said...

Great job...I always appreciate commentary that previews what a post's about.

Thank you for hosting this week!

1:57 PM  
Blogger Amy said...

What a great job you did! Thank you so much for giving us an opportunity to be a part of it. Very well done! Kudos!

9:47 PM  
Anonymous Anonymous said...

I haven't seen your site before but after reading the sarcastic comments about the posts you're "hosting" (um am I the only one who saw those?) I am definitely bookmarking

12:29 PM  
Anonymous Anonymous said...

A little while back, I was browsing these newsgroups, just like you are now, and came across an article similar to this that said you could make thousands of dollars within weeks with only an initial investment of $6.00! So I thought," Yeah, right, this must be a scam", but like most of us, I was curious, so I kept reading. Anyway, it said that you need to send $1.00 to each of the 6 names and address stated below in the article. You then place your own name and address in the bottom of the list at #6, and post the article in at least 300 newsgroups. (There are thousands) No catch, that was it. After thinking it over, and talking to a few people first, I thought about trying it. I figured what have I got to lose except 6 stamps and $6.00, right? Like most of us I was a little worried about the legal aspects of it all. So I checked it out with the U.S. Post Office (1-800-725-2161) and they confirmed that it is indeed legal! Then I invested the measly $6.00.............plus postage Well GUESS WHAT!!... within 7 days, I started getting money in the mail! I was shocked! I still figured it would end soon, and didn't give it another thought. But the money just kept coming in. It's certainly worth $6.00, and 6 stamps! Let me tell you how this works and most importantly, why it works.... also, make sure you print a copy of this article NOW, so you can get the information off of it as you need it. The process is very simple and consists of 3 easy steps: IMPORTANT: If all of the following instructions are adhered to, you will receive extraordinary dividends.
Please follow these directions EXACTLY, this program remains successful because of
the honesty and integrity of the participants. Please continue its
success by carefully adhering to the instructions.
You will now become part of the Mail Order business. In this business your product is not solid and tangible, it's a service. You are in the business of developing Mailing Lists. Many large corporations are happy to pay big bucks for quality lists. However, the money made from the mailing lists is secondary to the income which is made from people like you and me asking to be included in that list First you need to copy this article to your Notepad. Place your cursor at the beginning of this letter and drag the cursor to the bottom of this document, then go up to your Menubar and select Edit and then Copy. Now open your Notepad (it should be blank) Put your cursor at the top of the blank page, and then select Edit and then Paste. Save your new notepad file as a Text Documents and click Save….. it is simple. Your Notepad is where you'll do the steps below. Keep it open for now so that you can do the following steps.

Here are the 4 easy steps to success:

STEP 1: Get 6 separate pieces of paper and write the following on each piece of paper "PLEASE PUT ME ON YOUR MAILING LIST." Now get 6 US $1.00 bills (or Euros/Pounds) and place ONE inside EACH of the 6 pieces of paper so the bill will not be seen through the envelope (to prevent thievery). Next, place one paper in each of the 6 envelopes and seal them. You should now have 6 sealed envelopes, each with a piece of paper stating the above phrase, your name and address, and a $1.00 bill. (If you do not live in the U.S. you must put an international stamp on your envelopes). What you are doing is creating a service. THIS IS ABSOLUTELY LEGAL! You are requesting a legitimate service and you are paying for it! Mail the 6 envelopes to the following addresses:

#1 David Davis, 2627 76th Ave., Oakland, CA. 94605 USA

#2 Tim Wyatt, 9010 Ledgestone Ln., Port Richey , Fl 34668 USA

#3 Sarah Arvesen, 5327A Beeler St., Pittsburgh, PA 15217 USA

#4 Erin Jackson, P.O. Box 891, South Bend IN 46624 USA

#5 Jason Schadewalt, 9 W. Washington, Freeport,IL 61032 USA

#6 Eldridge Zaandam, Schotelweg 66, lelydorp, district Wanica, Suriname South-America

STEP 2: Now, in the Notepad delete the #1 name and address off the list that you see above, change the numbers so that (#6 becomes #5, #5 becomes #4, etc...) and now add YOUR Name and Address as # 6 on the list.

After you're done save it by selecting File, then Save. STEP 3: Change anything you need to, but try to keep this article as close to original as possible. Now, post your amended article to at least 300 newsgroups. (I think there are close to 24,000 groups) All you need is 300, but remember, the more you post, the more money you make! You won't get very much unless you post like crazy. This is perfectly legal! If you have any doubts, refer to Title 18 Sec. 1302 & 1341 of the Postal lottery laws.

Keep a copy of these steps for yourself and, whenever you need money, you can use it again, and again. PLEASE REMEMBER that this program remains successful because of the honesty and integrity of the participants and by their carefully adhering to the directions. Look at it this way. If you are of integrity, the program will continue and the money that so many others have received will come your way. NOTE: You may want to retain every name and address sent to you, either on a computer or hard copy and keep the notes people send you. This VERIFIES that you are truly providing a service. (Also, it might be a good idea to wrap the $1 bill (or equal amount) in dark paper to reduce the risk of mail theft.) So, as each post is downloaded and the directions carefully followed, six members will be reimbursed for their participation as a List Developer with one dollar each. Your name will move up the list geometrically so that when your name reaches the #1 position you will be receiving thousands of dollars in CASH!!! What an opportunity for only $6.00 ($1.00 for each of the first six people listed above) Send it now, add your own name to the list and you're in business! ---DIRECTIONS ----- FOR HOW TO POST TO NEWSGROUPS------------ Step 1)Since you saved this document to your Notepad you don't need to re-type this entire letter to do your own postings. If you want to do your postings in different settings, you'll always have this file to go back to. Step 2) Use Netscape or Internet explorer and try searching for various newsgroups (on-line forums, message boards, chat sites, discussions.) Step 3) Visit these message boards and post this article as a new message by opening your saved document and highlighting the text of the document and selecting Paste from the Edit menu (you need to do this only once). Type in the Subject, this will be the header that everyone sees as they scroll through the list of postings in a particular group, put your cursor in the message box then select Edit and paste. Click the post message button. You're done with your first one! Congratulations...THAT'S IT! All you have to do is jump to different newsgroups and post away, after you get the hang of it, it will take about 30 seconds for each newsgroup! **REMEMBER, THE MORE NEWSGROUPS YOU POST IN, THE MORE MONEY YOU WILL MAKE! BUT : YOU HAVE SHOULD POST A MINIMUM OF 200** That's it! You will begin receiving money from around the world within days! You may eventually want to rent a P.O. Box due to the large amount of mail you will receive. If you wish to stay anonymous, you can invent a name to use, as long as the postman will deliver it. **JUST MAKE SURE ALL THE ADDRESSES ARE CORRECT.**

When your name is no longer on the list, you just take the latest posting in the newsgroups, and send out another $6.00 to names on the list, putting your name at number 6 again. And start posting again. The thing to remember is: do you realize that thousands of people all over the world are joining the internet and reading these articles everyday?, JUST LIKE YOU are now!! So, can you afford $6.00 and see if it really works?? I think so... People have said, "what if the plan is played out and no one sends you the money? So what! What are the chances of that happening when there are tons of new honest users and new honest people who are joining the internet and newsgroups everyday and are willing to give it a try? Estimates are at 20,000 to 50,000 new users, every day, with thousands of those joining the actual internet. Remember, play FAIRLY and HONESTLY and this will really work. - try it out and see.

9:32 PM  
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5:31 AM  
Blogger Mathew Bracken said...

Thank you for such a thoughtful post!
You really did a great job...
Debt Help,Debt Settlement

1:03 AM  

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