Welcome to the October 27, 2007 edition of personal finance money tips. Because of the overwhelming response to this blog carnival, I had shorten the interval to weekly instead of bi-weekly. Please find the shortlisted articles below.

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Tezza presents How To Take Control Of Your Financial Future posted at 4 Eva Young, saying, “Finding an objective financial planner is like trying to find a used car salesman who isn’t trying to rip you off. While I’m not suggesting that all financial planners are crooks the good ones are often difficult to find and your left with those whose remuneration is geared towards selling you financial products that have less to do with your financial well-being and more to do with fattening their commission checks. Thankfully, all is not lost. Here are a few steps to get your financial plan in order.”

Investment

wilson ng presents The Yin and Yang – It Goes Both Ways posted at Reflections of a BizDrivenLife, saying, “I once joked with a banker that he has the best business in the world — even when he is asleep, his money is creating more money as interest is compounded upon interest. That is great if you are the creditor. But it works both ways – if you are a debtor, your interest is also being computed whether business is moving or not. We want to be entrepreneurs because once you have a business, your business can be a resource which keeps earning for you. However, until that is established, a business can also be pulling your money in. Understanding that an advantage can be a disadvantage in other situations is one of the things to understand about money and finance.”

Mortgage & Home Loan

Joshua Dorkin presents A Primer on Escrowed Funds posted at Real Estate Investing For Real.

R.Pettinger presents Refused a Mortgage? – Options of things to do. posted at Mortgage Blog, saying, “What to do when refused a mortgage”

Ravi Vora presents The 7 Deadly Sins of College Spending posted at Ravi Vora, giving money tips and productive tricks to students. Ravi is a photographer and you will find some great pictures at his blog.

Dhawal presents How much will you actually need?? posted at After-Grad.com. This articles shows you the expenses you should expect if you are going to college.

Kevin Surbaugh presents Great Loan Calculator posted at Becoming & Staying Debt Free, saying, “Most online calculators tend to only ask for your interest rate and loan amount and tell you what your monthly loan payment is. Well I already know that information, what I want to know is when I will have my loan paid off based on the payments that I am actually making.”

ISPF presents Use Halloween to Teach Kids Money Lessons posted at Grad Money Matters. This is a great idea to teach your kids about money because they like candies.

Credit Card Issue

Save Money presents The DOLP Snowball method to pay off Credit Cards posted at How I Save Money.net. Learn how to settle your debt with this DOLP method – Dead On Last Payment, and DOLPing your way out of debt is all about building momentum as you systematically pay off each card, one by one.

Frugality

Doris Chua presents Shopping Coupons for Your Reference posted at A Meeting Place for All Home Office Women. You’ll find some good recommendations to get online shopping coupons.

al leong presents Create Ripple with your dollar! posted at Daily Oil Blog, saying, “Our worldwide banking money system may slowly fade away in a peak oil environment. Indeed the dollar you are holding now seem to be less of a value when the gold peg is taken away 3 decades ago.There’s this ripple money system which you may find interesting.”

Joel presents Less Stress: Reduce Your Lifestyle posted at So You Want To Teach?, saying, “As I continue my series on Stress Reduction, we come to Lifestyle Reduction. I basically outline a basic pattern for getting out of debt.”

cashmoneylife presents How to Deal With a Drastic Decrease in Income posted at Cash Money Life, saying, “Hello, This tip doesn’t necessarily fall into the frugality category, but that is the best fit. Dealing with a decrease in income can be a big thing, so I put together this guide to help people out. Thanks for hosting! Patrick”

Investment

TheMonthlyPick presents How to Beat the Fund Managers in 1 Easy Step posted at The Monthly Pick. The easy way is to invest directly in the market by buying an index tracking ETF

Brip Blap presents 6 ways you are passing up free money posted at brip blap, saying, “There are plenty of opportunities, even in this day and age, to get money for nothing.”

Admin presents Anything Goes & General News: Google 3Q profit soars 46 percent posted at Anything Goes & General News, saying, “Google Inc.’s third-quarter profit soared 46 percent to hurdle the enormous expectations that have elevated the Internet search leader’s stock price by more $100 during the past month. The Mountain View-based company said Thursday that it earned $1.07 billion, or $3.38 per share, for the three months ended in September, up from net income of $733.4 million, or $2.36 per share, at the same time last year. If not for the cost of awarding stock to its steadily expanding work force, Google said it would have earned $3.91 per share. That topped the average estimate of $3.78 per share among analysts surveyed by Thomson Financial. Revenue for the period totaled $4.23 billion, a 57 percent increase from $2.67 billion last year. After subtracting commissions paid to its thousands of advertising partners, Google’s revenue stood at $3.01 billion — about $70 million above the average analyst estimate. The performance represented a return to form for Google after its second-quarter earnings disappointed Wall Street. The company has surpassed analyst estimates in all but two of the 13 quarters since its August 2004 initial public offering.”

Mortgage & Home Loan

Kenneth presents So, what kind of loan person are you? posted at InvestorBlogger, saying, ” Are you the type that is … * a. always borrowing money? * b. occasionally borrowing money? * c. seldom borrowing money, except for big ticket items? * d. you only borrow money to increase your wealth? * e. you never borrow?

Real Estate

Steve_Leung presents What to Do If Your Offer Isn’t Accepted posted at 1SiliconValley.com, saying, “Many times, the outcome of whether you make money on a home is determined when the purchase price is set. So having an offer rejected isn’t necessarily a bad thing. Here are some ways to handle the negotiations afterwards.”

Retirement

Chris Kakaras presents The Core Principle posted at ChrisKakaras.com, saying, “The first step and core principle that we need to first get is we need to “make a plan.”"

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

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