• Ramit presents 10 links to walk you through today’s financial crisis — and make you smarter than 99% of other people posted at I Will Teach You To Be Rich.
• Lisa Spinelli presents The Psychology of Money - Neuropsychologists Study Spending Patterns at Auctions posted at Greener Pastures.
• KS Lau presents 8 Money Principles To Stay Bad Debt Free posted at KC Lau’s Money Tips
• No Credit Needed presents How I Live Without Borrowing Money posted at No Credit Needed.
• PT Money presents Six Ways to Get Intense About Your Money and Finances posted at Prime Time Money.
• Xin presents Self preservation and the art of marketing fear - why the $700 billion bill was rejected posted at The Bag Lady.

A great big thank you to the host and all the participants.  Next week carnival will be hosted at Where You Are Now.

• LAL presents Socialized Capitalism? posted at LivingAlmostLarge.
• AJC presents Why most doctors aren?t rich! posted at How to Make 7 Million in 7 Years™.
• The Happy Rock presents Your Health and Your Wealth - Fitness Impacts Wallet posted at The Happy Rock.
• Silicon Valley Blogger presents Best Places For Your Money When The Stock Market Tanks posted at The Digerati Life.

Thank you for doing such a terrific job with the carnival!  Next week carnival will be hosted at Fix My Personal Finance.

• How To Draft A Basic Financial Savings Plan at Blueprint for Financial Prosperity.
• 8 Money Principles To Stay Bad Debt Free at KCLau’s Money Tips.
• 8 Steps to More Money at Where You Are Now.
• 10 free household budget spreadsheets at Christian Money and Finances.
• Chicken Little and the Money Market at Fix My Personal Finance.
• How to Make Your Child A Millionaire! at My Family’s Money.

Thank you everyone for your participation.  Next week, the carnival will be hosted at The Financial Blogger.

Once there is a balance on the loan, the homeowner can repay any amount as long as minimum payment is made monthly. The term of a HELOC can last from less than five to more than 20 years, at the end of which all balances must be paid in full.

• FIRE Finance presents Save Your Wallet With These Penny Hacks posted at FIRE Finance.
• Miss Thrifty presents Hassle-free oven cleaning posted at Miss Thrifty. It’s a short but sweet money saving tip!
• The Financial Blogger presents Borrowing To Increase Your Net Worth posted at The Financial Blogger. Everybody knows that there is bad debt and good debt. This article provides a few example to show how to fully use all your credit opportunities to your advantage.
• KCLau presents How not to Spend that Money? posted at KCLau’s Money Tips. This is a great article on how to prevent spending unnecessary money. Also 3 methods on how to do so.
• Silicon Valley Blogger presents Amazon Prime Review: 5 Reasons To Try It Out If You Shop Online posted at The Digerati Life. An online shopping deal worth looking into.

Thank you Anna for hosting and doing a wonderful job!  Next week carnival will be hosted at Help My Cash Grow.

Lastly, I am looking for carnival hosts.  Being a host is a great way to connect with your fellow bloggers and gain additional exposure.  If you are interested, please contact me.

However, you can immediately repurchase the same or substantially identical investment within 30 days, or your capital loss will be disallowed as per the wash sale rule.

• Allison Nazarian talks about new laws starting a business in Vermont Offers VAs Virtual Business Benefits posted at CopywritingForVAs. Wow I’m going to share this with my DH, how cool I had no idea.
• Mr Credit Card talks abouts how our emotions affect our spending in Binge Spending and Financial Fasting posted at Ask Mr Credit Card. I see spending much like being on a diet, it’s a lifestyle, not a change for a few months and then back again!
• Austin asks the question if you won money what would you do with it in What if I gave you 100,000bucks? posted at The Orange Paper. Sadly I’d pay off our student loans, bulk up our EF, buy one newer car, and that would use up all the money.  Maybe we should all write what’d we do with $100k.
• BTG tells us how a video game teaches personal finance in 3 Lessons World Of Warcraft Taught Me About Money Management posted at Bridging The Gaap. I had to laugh when I read this post, mostly because my BIL loves the online version of this game. Guess why he’s good at personal finance.
• Paul Goodwin talks about defending your portfolio in Cut Your Losses Short posted at The Iconoclast Investor.   He says sometimes you have to play defense and leave your money in cash when the market is going down.  Right now just by chance we’re in cash because we rolled over a 401k into a Rollover IRA.  But typically I don’t agree with trying to “time” the market.

Thank you LAL for a great edition of the Money Hacks Carnival!  Next week, the carnival will be hosted by On A Quest To Be Debt Free.

By the way, if you would like to host the carnival, please contact me.

Related terms: Growth Stocks

Based on the Efficient Market Hypothesis, the market already taken the higher growth rate into account and it is already reflected in the price.  A value stock could turnaround, become more favorable, and outperforms a growth stock at any time.

Related terms: Value Stocks

• Nickel presents Five Ways to Get Your Credit Report for Free posted at fivecentnickel.com. Always love getting things for free and some great resources mentioned in the post.
• FMF presents Tricks of the Trade: An Insider’s Look at Saving Money at Grocery Stores posted at Free Money Finance, saying, “Insider tips on saving money on groceries.” We all know some of them, but find out some you may not have heard of.
• Curt presents Where Does Victim Mentality Come From? posted at PennyJobs.com. An interesting look at human psychology.
• The Happy Rock presents Paying with Cash…Does it Save Money? posted at The Happy Rock. It looks like it does. Overall though, I think I prefer the hybrid benefits of cash and credit.
• PT presents New Car or Used Car: A Reader Debates Which Is The Smarter Purchase posted at Prime Time Money. Wish I had read this article before I bought my car.

Thank you to our host, Andy, for a great edition of the Money Hacks Carnival!  Next week, the carnival will be hosted by Living Almost Large.

1. 100 Tips and Tools for a Better, Greener Career at JobProfiles.org – 100 resources to help you find a career that suits your desire for better, greener employment.
2. Step By Step Guide To Grocery Savings at artofthecoupon.com — Four great tips on how to save money on food and other household items.
3. 36 Ways to Reduce Your Home’s Energy Use at Trees Full of Money — With energy prices on the rise, and the sustainability of our environment in question, Ben shares some of the energy saving tips that he picked up over the years.
4. Real Estate and Mortgages: Tips for selling or buying a house at Bible Money Matters — Pete shares his experience with Dave Ramsey’s Financial Peace University.
5. 10 tips to becoming a Make Money Online sheep at Swollen Pickles — I normally wouldn’t include something like this in a personal finance carnival, but it’s freaking hilarious and I couldn’t resist.

Here are the list of all the dilemmas posed:

1. Renting versus buying a house. The traditional answer is to own your own home because you’re building equity and there’s also tax benefits.  What’s your opinion and why?
2. Invest versus mortgage pre-payment. The PF Blogosphere is heavily divided on this issue.  Personally, I like the financial flexibility of investing over the guaranteed saving of pre-payment.  Which one would you choose and why?
3. Should you build an emergency fund or pay down your debt first? I like to save money by paying down debt as fast as I can, but many will disagree.  What would you do and why?
4. Saving for retirement versus paying down debt. Both are important and can have great financial impact.  How would you prioritize the two?
5. Frugality versus cheap. What are the key differences between these two qualities?
6. ETFs versus mutual funds. Both are fantastic investment products, but which one would you choose and for what reasons?
7. Good debt versus bad debt. Is there such a thing as good debt?
   

Thank you for participating in the Money Hacks Carnival!  Next week, the carnival will be hosted by Saving To Invest.

This amount covers the fund’s management fees and operating expenses. The management fee is the fee that is charged to the fund by the portfolio manager. The operating expenses are the expenses that the fund incurs through operation and this can include brokerage fees, taxes, investor services and interest expenses.

In term of how expense ratio affects you, you should keep the expense ratio as low as possible to maximize your investment performance.  The impact of expense ratio on your investment performance over a long period of time could be quite significant.

For example, if a stock’s beta is 1.5 and the market drops by 10%, in theory, the security will drop by 15%.

In general, the employee sets up the 401(k) account and have part of his paycheck paid directly into his or her account pre-taxed.  The employee can invest the saved money in various mutual funds offered by the plan.  The exact investment options available depends on the employer and the plan administrator.

Some employer also offers company matching contribution. The typical match is 50 cents for each dollar the employee contributes, up to 6% of the employee’s salary.

• No longer active (site no longer exists),
• No longer linking back to the network, or
• No longer showing the blogroll

As a result, I have removed these members from the list.  This should be an improvement (in term of referral traffic) for existing members.  If you feel that you have been removed by mistake, please contact me and I’ll will review your site for inclusion.

If you notice any member site that:

• Violates the copyright law,
  
• Uses inappropriate language,
  
• No longer active, or
  
• No longer has link back to the network site (or blogroll)

Please contact me and I will consider it for removal.