2012 Credit Card Update

When credit cards first took hold in our society, the landscape for banks and other financial institutes was a plush green field prepped for planting and growing. That is exactly what the banks did. They planted, grew and reaped while we the public became enamored with the magic of quick and seemingly endless credit. All was well for years until one day in 2009 when the fruit of credit stopped growing. The fields were dry and scorched, and we were full and overfed. It did not take long before the banks sectioned off their once cash crop and barren fields, and we started to take a sober look at our state of overeating and overspending. We had to learn to live within our means, and we had to learn fast.

Though the economy is continuing through its peaks and valleys, it has stabilized to a degree, and we find ourselves still needing credit to some extent. It is true that banks and others were guilty of negligence and over farming their fields, but not all was lost. As their fields became closed off to the public and credit became harder and harder to come by, others picked up the slack left by typical credit card providers, including banks offering first time credit cards to college students via student credit card offers. StudentCreditCards.com provides helpful credit card blog to learn the basics of college student credit cards and a comparison for research. Debit cards and prepaid credit cards have also become popular as people tighten their pocket books, and our bank accounts inch closer and closer to solvency and normalcy. Many of the big credit companies are now offering pre-paid credit cards in lieu of the credit cards with high interest rates and dangerously high limits. These were gaining ground until 2011, when the combined uproar of too-big-to-fail, other bailouts and increased banking fees caused a seismic shift in the credit card fault-line.

The resulting backlash not only drove Americans en masse to credit unions and a nearly depression era style run on banks, it also opened the door for other companies to fill this second void in spending in credit. While others have turned to comparing cd rates, The New York Times recently reported that our old friends at Wal-Mart have stuck their plows into the soft earth of consumer credit with their own line of pre-paid debit cards. Shop for groceries, $2.00 socks, and pick yourself up a pre-paid debit card right next to the powdered milk. Wal-Mart is already the destination of choice for millions of Americans, and they already offer check-cashing services among other services such as bill-pay and utility deposits, so why not offer other services for more reasonable rates.

Another potential winner in the credit and loans sweepstakes is the list of credit unions in the United States. One of the advantages credit unions hold is that they are not for profit, and do not instantly try to turn debt into cash and sell it off to the highest bidder, and offer more reasonable rates. Another advantage is that you are more likely to receive a positive rating from them for paying down your credit than with a larger institution. You can walk in to many credit unions, and they will know you by name and be familiar with your account most likely as well.

In summary, the old guard is closely guarding the fields that were burned and left with scarce resources. This is not entirely bad news or even bad news at all. With more regulation placed on the banking and credit industry, they are forced to become more transparent with their fees and movements, and in turn, the public is more able to decide proper action and has recourse. This has forced the banks to come right out and say, “We’re charging you more for this and this is why” and you, Joe consumer is now able to take your money elsewhere. The public’s willingness to do so has opened opportunities for growth with other companies such as *gasp* Wal-Mart, and local, smaller credit unions. So rejoice Joe Consumer, there are other fields to pick fruit from, and the landscape is ripe for your picking.

Carnival of Money, Growth and Happiness #53

Greetings! Welcome to the 53rd edition of the Carnival of Money, Growth and Happiness. We have selected 28 posts for this edition. Here you go:

The Shark Investor presents How To Profit From Ideas posted at The Shark Investor. Can ideas actually bring you profits and how?

Donald Latumahina presents Being Happy: Secrets of Happy People posted at Life Optimizer.

Hank presents Good Socks - The Things I Dont Mind Overspending And Overloading On. posted at My Investing Blog.

KCLau presents 48 Fuel Saving Tips posted at KCLau’s Money Tips.

PersonalHack presents Desire Without Attachment To Outcome posted at Personal Hack - Personal Development.

Shamelle presents Career: 62 Tips To Make Your Job Terrific (Lessons Learned) posted at Enhance Life.

AndrewB presents Can’t Stop Eating? 3 Tips To Get Your Eating Under Control | Stop Binge Eating posted at Tips To Stop Emotional Eating.

Erica Douglass presents Entrepreneurs: Is Extreme Frugality A Waste of Time? posted at erica.biz. Are frugal activities like making your own laundry detergent worth it for entrepreneurs?

Save Money presents Three Principles Of Personal Finance posted at How I Save Money.net.

Lauren Rose presents Tips on How to Teach Your Kids to Save Money posted at No Debt Anymore .org. The concept of buying something tomorrow instead of today is a difficult concept for kids to master.

Sally Huss presents WHAT SURROUNDS YOU? by Sally Huss posted at Sally Huss - Addicted to Happiness!.

LAL presents Going for Gold? posted at LivingAlmostLarge. Does raising an olympian make you happy?

Michael Miles presents Why you shouldn’t care what other people think about you posted at Effortless Wealth and Abundance.

BPaul presents Who Is The Master…Money or You? posted at Moolah-Moolah. This is article about how people should view money.

Toni Graybill presents Wealth - Making It Up As We Go posted at Maximize Health and Wealth. How to start focusing on building wealth.

Helen Anderson presents Protect Yourself When Shopping Online posted at Savings Accounts.

Wanda Grindstaff presents Going from Surviving to Thriving - A Clear Choice posted at Creating Abundant Lifestyles.

Anand presents 3 Easy Ways to Change Your Emotional State Instantly posted at AnandDhillon.com. This article details 3 unique ways to instantly put yourself in a positive emotional state when you are feeling down.

Alvaro Fernandez presents Neurogenesis and Brain Plasticity in Adult Brains posted at SharpBrains.

ChristianPF presents Getting out of Debt (Part 1): It’s not about you posted at Christian Finances.

Praveen presents Making Money Online Through CPA Offers posted at My Simple Trading System.

Big Cajun Man presents University Costs posted at Canadian Personal Finance Blog.

Debbie presents Citi’s Universal Default Making a Comeback? posted at American Consumer News.

Debt Freedom Fighter presents Why Personal Debt Is At Its Highest Level Ever posted at Discover Debt Freedom!.

Money Answer guy presents Should I consider buying a motor scooter to save money? - The Money Answer Guy posted at The Money Answer Guy.

Silicon Valley Blogger presents How ING Direct Checking and Savings Accounts Save Me Money posted at The Digerati Life.

Zantor presents Learn How to Think Like a Millionare posted at Internet Productivity.

Benjamin Dinsmore presents 5 Questions to Ask Yourself Before Asking Your Boss for a Raise posted at Trees Full of Money. If you are prepared to take the next step and ask your boss for a raise, here are 5 question that I would ask myself first.

That concludes this edition. Next edition of this carnival will be hosted here on August 24, 2008.

The Top 10 High-Tech Credit Cards (and the cool stuff they can do)

Gone are the days when people shopped for credit cards based on interest rates and reward points. Now, many consumers are more interested in what kind of technology the card offers. Check out our list of the ten most high-tech cards being offered now and in the future.
 

1. The One Time Password (OTP) DisplayCard: This card promises to eliminate the chances for credit card fraud in online transactions. It boasts a panel, embedded in the card, that generates a one-time number password when the card owner touches a button. Online transactions are complete only with the entry of this number, which means that the buyer must be in possession of the card at the time of the purchase.

2. The Chase Blink Card: This card comes with an embedded microchip and antenna called the Blink icon. It allows you to make payments in the blink of an eye and claims to reduce waiting times by as much as 30 percent. Instead of swiping, you just hold your card up the reader to complete your transaction. What’s the catch? It?s usable only with certain merchants that have the special reader. MasterCard’s PayPass technology also works on the same principle.
 

3. Amex Blue: The American Express Blue has looks and smarts. Its embedded smart chip allows you to store information related to all of your debit and credit cards, store cash in your account, plus conduct secure transactions on the Internet using a reader. The reader connects to your PC and ensures that you are in possession of the card and a PIN number before you are able to make payments online. It also fills out online forms automatically, records your online purchase history, remembers multiple shipping addresses and stores ID and passwords.
 

4. iCache: Too many credit cards clogging up your wallet? Then this is the gadget for you. The iCache rolls all of your credit cards into one small device. To do this, the device holds magnetic strip signatures from every credit card. The iCache sounds like a prime target for thieves, but don’t worry: it unlocks only with your fingerprint, so there?s no fear of theft.

5. Beepcard?s Secure Card: How would you like a credit card that obeys only the sound of your voice? Beepcard’s Secure Card comes with voice-activated technology that allows transactions only when your voice and password match pre-recorded patterns. If you?re making a transaction on the phone or the Internet, all you have to do is hold your card to the speaker and say your password.

6. The Multifunctional Credit Card All in One: Although not yet a reality, the Multifunctional Credit Card All in One will be an amazing gadget when it comes to fruition. This tool promises to take over the functions of all of your credit and debit cards, remote controls, keys, GPS and video phone. A biometric device, this card is activated using your fingerprint.

7. C?ALL Future Phone: The C’ALL Future Phone takes all of the paraphernalia you keep in your pockets and stores it in one smart gizmo. Besides serving as a music player and camera, it stores all of your credit cards on one magnetic strip that adjusts according to the card you choose. It also acts as both a Mac and PC portable computer, replaces your car and home keys and functions as a GPS, too.
 

8. RFID-enabled Credit Cards: RFID is rapidly making its way into every aspect of our lives and our credit cards are no exception. Mobile phone giant Nokia is one-upping MasterCard’s PayPass and Chase’s Blink Card by investigating technology that would replace credit cards with an RFID cell phone. This cell phone would take care of all of your payments with just a wave of your hand. All you have to do is be within range of the RFID reader.
 

9. Fraud Protection Technology: Financial Systems Innovation and Skechers, U.S.A. Inc. have teamed up to develop new technology that, when embedded into credit cards, will help protect against fraud. Card readers generate a unique number for every transaction processed within the system. Using this technology, information relating to the cardholder?s identity can also be omitted from the printed receipt. 

10. Holographic Credit Cards: There are two variations of this technology in the pipeline: one based on user fingerprints and the other using a new kind of material. A holograph is created to form a unique pattern that shows up when a laser beam is focused on the card. The card has an optical filter that takes a fingerprint and matches it against one that is already registered with the database. Transactions will only be completed when the fingerprints match. The other technology, developed by researchers at the Massachusetts Institute of Technology (MIT), uses a translucent material that is embedded in the card to hold a unique identifier that is almost impossible to copy or tamper with. A laser beam passes through to generate a unique identifier. A small alteration of the beam will generate a totally new pattern, which means that one tag will generate nearly 10 billion unique identifiers.

Carnival of Money, Growth and Happiness #52

Greetings! Welcome to the 52nd edition of the Carnival of Money, Growth and Happiness. We have selected 26 posts for this edition. Here you go:

KCLau presents Average Monthly Household Income in 2007: Is it enough? posted at KCLau’s Money Tips. According to a survey done by the Statistic Department for the Economic Planning Unit, published in Personal Money Magazine June 2008 edition, a typical family in Malaysia earns only RM3686/month. How much this is worth and how much can be spent.

Christopher Johnson presents 10 Ways To Earn Money In Your Spare Time posted at CoffeeBreakEarnings.com.10 Ways To Earn Money In Your Spare Time.

Helen Anderson presents 3 Warnings Signs Your Bank May Fail posted at Bankaholic.

Livingalmostlarge presents Overwhelemed with Insurance posted at LivingAlmostLarge, saying, "How to deal when being overwhelmed with insurance?"

Amy @ The Q Family presents 13 Ways to Be Green and Save your Green ($$) posted at The Q Family Adventure, saying, "Saving money and going green can go hand in hand."

Joe Capista presents How To Effectively Use Business Mentoring posted at The Success Triangle. The distinction between successful business owners and those that continually struggle is the way they handle their frustration. Learn how a mentor can not only help you to handle frustration, but thrive during difficult times.

Tammy Powell presents Protection of your Assets posted at Majestic Tech by an Enlightened Wealth Institute student.

Kacper Wrzesniewski presents Best tips to keep exercising schedule posted at KacperWrzesniewski.com. Some of them you have never heard about and some you probably have. Either way reading about them can help you get motivated so go on…

Redd Horrocks-Maier presents Human Life: The Unexpected Perk of High Gas Prices posted at Distilled Rose. It’s amazing the real impact that gas prices can have on human life.

Anand presents Giving Your Power Away posted at AnandDhillon.com - Self-Help for Self-Mastery. When we give our power away, we limit our ability to create the life we desire. Learn how you might be giving your power away and what you can do about it to take back control of your life.

Nathalie Lussier presents Accepting The Source Of Your Income posted at Billionaire Woman.com. Your job is not your only source of income, allow money to come into your life from other sources right now.

Christopher Smith presents My kid invents the joke posted at EquityScout. A three year old is a dynamo of innovation, and they’re lots of fun as well. What can watching a kid teach you about your mental models…?

Erica O’Leary presents How well do you know YOUR bank? posted at Bankers Exchange Services.

Silicon Valley Blogger presents  Your Free Credit Score: Is There Such A Thing? posted at The Digerati Life. We need to monitor our credit score and reports on a regular basis in order to ensure the health of our credit. Here are some tips to track our credit health.

Jacob Share presents Where NOT to Spend Your Job Search Budget | JobMob posted at JobMob. A quick guide to avoid wasting your job search budget.

Tisha presents Renting a Car Without Credit posted at American Consumer News.

Debt Freedom Fighter presents 3 Hidden Fees Companies Use To Take Your Money posted at Discover Debt Freedom!.

Money Answer Guy presents Store Credit Cards are a Rip-Off - The Money Answer Guy posted at The Money Answer Guy.

Sally Huss presents LIFE IS ABOUT SOWING posted at Sally Huss - Addicted to Happiness!. Sally Huss comments on her Happy Musing "Life is about sowing. Reaping is only that you have more to sow with."

ChristianPF presents Make money with Cash Crate posted at Christian Financial Help. Yes you can make money with Cash Crate, but in order to keep your sanity you need to know a few things…

Emmanuel presents The Rockerfeller’s Rules to becoming wealthy posted at Emmanuel Oluwatosin: Inspiring Excellence, Realising Ambitions.

Yi Hui Chang presents My first time to use a bunch of coupons in Walmart posted at The Simple Wealth.

Donald presents What is Happiness? Definition of Happiness posted at Life Optimizer.

Shaheen Lakhan presents The Ethics of Selling Prescription Data posted at Brain Blogger.

Peter presents Five Ways Keeping a Journal Can Change Your Life posted at The Change Blog.

Tom Tessin presents Things Needed to get a Gas Credit Card posted at FGC Auto Blog. Things you may need in order to get approved for a gas card.

That concludes this edition. Next edition of this carnival will be hosted here on August 03, 2008.

Carnival of Money, Growth and Happiness #51

Greetings! Welcome to the 51st edition of the Carnival of Money, Growth and Happiness. We have selected 29 posts for this edition. Here you go:

Raag Vamdatt presents The stock market is falling - Time to invest? posted at RaagVamdatt.com.

Patrick Schwerdtfeger presents Become an Organizer of a Successful Meetup Group posted at Tactical Execution.

Shamelle presents 31 Ideas To Escape The Monotonous Daily Routine posted at Enhance Life.

Madeleine Begun Kane presents Wham! Bam! No Thank You, Phil Gramm! posted at Mad Kane’s Political Madness.

Gary Evans presents Abundance Is Natural posted at Good To Feel Good.

KCLau presents How to Calculate Your Investment Portfolio Return? posted at KCLau’s Money Tips.

James presents 6 Tactics For Staying Sane When You Are Unemployed posted at Organize IT.

Helen Anderson presents 5 Credit Card Fees You Probably Didn’t Know About posted at Bankaholic.

Dave presents Buy One Buffet Meal,Get One Free posted at Cheapo Groovo.

Maria Gudelis presents Main Principle of Value in Real Estate posted at Maria Gudelis.

Tom Tessin presents Buying Travel Insurance The Smart Way posted at FAC Travel Blog.

MoneyNing presents 7 Reasons Why We Need to Start Budget Tracking Now posted at Money Ning.

Phil for Humanity presents Grow, Plateau, and Go posted at Phil for Humanity.

LAL presents 10 Tips for Auto Repair posted at LivingAlmostLarge.

Connie Brooks presents What the Kung Fu Panda Can Teach You about Becoming a Millionaire posted at Money Smart Life.

ChristianPF presents Money & Marriage: 7 lessons I have learned so far posted at Christian Finances and debt help.

Nickel presents The Best Cash Back Reward Credit Cards for Buying Gas posted at fivecentnickel.com.

CreditAddict presents How to Get Free Credit Reports From TrueCredit (and How to Cancel) posted at Credit Card Addict.

Silicon Valley Blogger presents WaMu Free Checking: The High 3.3% APY May Be Worth A Look posted at The Digerati Life. At a time of economic recession, high yield checking accounts may help!

Debbie presents Don’t Fall Victim to Credit Card Scam Artists posted at American Consumer News.

Faron Benoit presents 10 Things I Wish My Parents Had Told Me About Money posted at Financial Learn.

Joe Manausa presents Housing Prices Decline Slightly - A Clear Picture Is Forming posted at Tallahassee Real Estate Blog.

Money Answer Guy presents Thinking About Getting a Credit Card to Improve Your Credit Score? - The Money Answer Guy posted at The Money Answer Guy.

Value Seeker presents Stock Investment Resource: Stock Market Investing Tips - Don’t Overleverage posted at Stock.

Joe Caterisano presents How To Save Money On Movies posted at Penny Pinching.

The Happy Rock presents The Best Cash Back Credit Card Analysis posted at The Happy Rock.

David presents 5 Ways To Help Determine Where You Should Be Living Your Life. posted at My Two Dollars.

The Shark Investor presents Don’t Make Money Blogging posted at The Shark Investor.

Dereck presents A guide for increasing your creativity posted at I Will Not Die.

That concludes this edition. Next edition of this carnival will be hosted here on July 27, 2008.

Carnivl of Money, Growth and Happiness #50

Greetings! Welcome to the 50th edition of the Carnival of Money, Growth and Happiness. We have selected 19 posts for this edition. Here you go:

Ken Clark, CFP presents The Basics of Student Loan Forgiveness and Repayment Programs posted at Saving for College - About.com. A guide to finding an employer who’ll pay off your student loans for you.

KC Lau presents Do you have the assets to pay for your liabilities? posted at KCLau’s Money Tips. An article on whether you have enuff assets to pay off liabilities and how to create assets.

Madeleine Begun Kane presents Email Hell posted at Mad Kane’s Humor Blog.

ChristianPF presents Hypermiling 101 posted at Christian Money and Finance. The simple steps that some of these hypermilers use to get more than double the gas mileage the rest of us get.

Roshawn Watson presents Tori Spelling - Unsung Financial Hero? posted at Watson Inc.

Toni Graybill presents What is wealth? posted at Maximize Health and Wealth.

James Lee presents The Power of True Storytelling posted at Online Business Freedom.

Carol Bentley presents advertising images posted at Carol Bentley.

Tip Diva presents Top Ten Tips - If Your Wallet Is Stolen posted at Tip Diva.

MBB presents Paying By Gas Credit Card At the Gas Pump and Refusing To Use Cash posted at Money Blue Book: Personal Finance.

Dorian Wales presents My View of Frugal Thinking posted at The Personal Financier. Presenting my thoughts on frugality and personal finance literacy.

Brooke presents Is Change Becoming Obsolete? posted at Dollar Frugal.

Dean Paley presents Lessons Learned From Shopping Around posted at Personal Money Tips.

Kevin presents 7 Tips for Saving Money on Family Groceries posted at Parenting at More4kids.

Jason presents Who is Responsible for Your Misery Index? posted at Frugal Dad.

LAL presents What’s gas costing you? posted at LivingAlmostLarge.

Debbie presents Using 529 Credit Cards For Maximum Rewards posted at American Consumer News.

Debt Freedom Fighter presents How to Clean Up Identity Theft posted at Discover Debt Freedom!.

Money Answer Guy presents How Do You Avoid Being Broke in College? posted at The Money Answer Guy.

That concludes this edition. Next edition of this carnival will be hosted here on July 13, 2008.

Carnival of Money, Growth and Happiness #49

Greetings! Welcome to the 49th edition of the Carnival of Money, Growth and Happiness. We have selected 22 posts for this edition. Here you go:

GreatManagement presents What I Learned From Jacob Share About Resume Writing For College Leavers posted at The GreatManagement Blog.

Andrea Smith presents Is Debt Consolidation Fixing Your Problem? | LoanHunt.com posted at LoanHunt.com.

KCLau presents Ride on the Oil Palm Industry Boom posted at KCLau’s Money Tips. Leading to oil palm investment, an insight into what Country Heights Grower Scheme is all about.

Amy @ The Q Family presents Catch a Reading Bug this Summer posted at The Q Family Adventure. Great way to enjoy summer reading that pay your kids to read!

Madeleine Begun Kane presents Ode To A Letter Opener posted at Mad Kane’s Humor Blog.

Joy Harrison presents Reduce your debt load: 9 proven techniques posted at Money Sense. If you are constantly dealing with the pressures of mounting debt, it’s time to start looking for some solutions fast. Your goal… get out of debt as soon as possible.

Michael presents Navigating the Mess: Startups Helping to Organize Your Life posted at Small Business Blog. Review of the top tools to help organize your finances and life.

Steve Faber presents - How to Save Gas – Tips For Saving Gas posted at Debt Free. There’s no time like the present to learn more about easy ways to save gas.

Everything Finance presents Simple Foreclosure Solutions posted at Everything Finance.

David presents What Should You Do If Your Wallet Is Stolen? posted at My Two Dollars.

David B. Bohl presents Subprime Lifestyles posted at Slow Down Fast Today!. The subprime crisis is directly related to the skewed way we as Americans look at money, debt and personal wealth, and how we act on these views.

Alvaro Fernandez presents Why Smart Brains Make Stupid Decisions posted at SharpBrains: Your Window into the Brain Fitness Revolution.

Helen Anderson presents 8 Tips for Saving Money and Your Life posted at Bankaholic.

Mark Runta presents The Network is The Business posted at investing lessons.

Michel Fortin presents Apply The Law of Contrast to Build Desire posted at The Michel Fortin Blog.

MoneyNing presents Patience Will Keep Us from Spending Unnecessary Money posted at Money Ning.

Crystal Nichols presents #1 way to make a change in your life posted at Christian in the Corporate World.

Arin Vahanian presents Why We Are All Connected To Each Other posted at Super State.

Brice Hogan presents How to Radically Save Money posted at Financialzip.com. Some easy tips to save money radically.

Ted presents Student Loan Forgiveness posted at CampusGrotto College Advice. Here are ways you can get out of paying those student loans, legally.

Ralph Jean-Paul presents How to Assert Yourself Effectively posted at Potential 2 Success. Being a good communicator, straightforward, and assertive are now essential for business success. Learn best way to give ultimatums, present your ideas clearly, and tell someone they are wrong.

Diego Norte presents Your First Product posted at Internet Business 101.

That concludes this edition. Next edition of this carnival will be hosted here on June 29, 2008.

Carnival of Debt Management #55

Greetings! Welcome to the 55th edition of the Carnival of Debt Management. We have selected 14 posts for this edition. Here you go:

Ted presents College Student Credit Cards posted at College Advice. If students get the wrong card or use it without proper discretion, then the credit card could be the beginning of the end for their credit rating.

Credit Friend presents How To Get Out Of Credit Card Debts posted at Credit Card Sense. Practical tips to get out of Credit Card Debts.

William Blake presents Secrets Of Living Debt Free posted at Becoming Debt Free.

Michael Geoffrey presents How Unsecured Loans Help With Credit Repair posted at Debt Smackdown.

Joe Caterisano presents "Transforming Debt Into Wealth" by John Cummuta review posted at Till Debt Do Us Part.

Christopher Johnson presents Getting Approved For A Mortgage posted at christopheraaronjohnson.net. Shine above the rest when you go to apply for a mortgage.

Big Larry presents Dealing with Debt Biblically posted at Holy Cash Cow. Many people are turning to an unlikely place to get help with their debt problems — their church.

Praveen presents Why Are Mortgage Rates High? posted at My Simple Trading System.

Aussie presents Australian Stock Market Investing posted at Australian Investing. What is the difference between investing and speculating? This post compares the two and how they apply to the Australian stock market.

Mr Credit Card presents How to Get a Free Copy of Your Credit Report From all Three Credit Bureaus. posted at Ask Mr Credit Card.

Debbie presents Go on Vacation Without Adding More Debt posted at Destroy Debt.

Money Answer Guy presents How Do I Get Rid of My Debt Once and For All? posted at The Money Answer Guy.

Debt Freedom Fighter presents Emergency Funds: A Quick And Easy Way To Start One posted at Discover Debt Freedom!.

Chris Smith presents Bad Credit History Secured Loans | Loan Quote posted at Loan Quote.

That concludes this edition. Next edition of this carnival will be hosted here on June 22, 2008.

Carnival of Money, Growth and Happiness #48

Greetings! Welcome to the 48th edition of the Carnival of Money, Growth and Happiness. We have selected 22 posts for this edition. Here you go:

Jim Ewan presents The Science of Getting Rich, Wallace D Wattles posted at Business and Personal Development.

Faron Benoit presents Compulsive Spending is the Biggest Behavioral Block Against Fugal Living posted at Financial Learn.

Debbie presents How I Got Out of Credit Card Debt posted at American Consumer News.

Debt Freedom Fighter presents Financial Disasters: 5 Tips To Avoid One posted at Discover Debt Freedom!.

Dollar presents Making Money With Compounding posted at The Mighty Dollar.

Helen Anderson presents 5 Ways to Start Your Business With No Money! posted at Bankaholic.

Bill D presents 11 Ways to Become a More Successful Stock Trader posted at The Wealth Hunter.

Dorian Wales presents Actively Manage Your Career to Stay On Top of Your Game posted at The Personal Financier. Frightening statistics show how many of us lack active control of our careers.

Olen presents Pay Off Your Mortgage - Fast! posted at Get Out Of Debt. Nobody likes having a mortgage, but for most of us it’s a necessary evil. However this post puts forward some reasons why you should rid yourself of your mortgage as quickly as you can.

Madeleine Begun Kane presents Sleepless In Bayside posted at Mad Kane’s Humor Blog.

KCLau presents Picking the right Structured Fund posted at KCLau’s Money Tips. About picking the right structured funds and all about such funds.

The Shark Investor presents 10 Reasons Not To Trade Forex posted at The Shark Investor.

Garret presents 7 Ways To Save Money On Your Fuel Bill posted at Money Management Personal Finance Blog. No doubt we’re all feeling the costs of higher oil prices - as if it wasn’t hard enough to balance the budget already. This post contains some ideas on how to claw back some of the costs of running your car.

Mark Butler presents 10 Ways to Beat Down the Money Blues posted at The Butler Project.

Dave presents Save Money on Gas - Solar Golf Cart posted at Cheapo Groovo.

Alex presents Make Your Own Free Printable Wedding Invitations posted at Home Life Weekly.

Matt presents Taking Inspired Action Towards Your Goals posted at Face Your Fork.

John Crickett presents How To Get Out Of Debt posted at Find Financial Freedom.

Steve Faber presents - Different Ways of Investing Money – What is the Best Choice for You? posted at Getting Debt Free. There are so many different ways to invest your money. Here’s how you can decide what’s best for you.

MoneyNing presents How I Started Buying My First Stock posted at Money Ning.

Gary Evans presents Case Study of a Manifestation That Won’t Work posted at Good To Feel Good.

Brooke presents Executive Frugality posted at Dollar Frugal.

That concludes this edition. Next edition of this carnival will be hosted here on June 21, 2008.

Carnival of Debt Management #54

Greetings! Welcome to the 54th edition of the Carnival of Debt Management. We have selected 16 posts for this edition. Here you go:

Lisa Spinelli presents The Dope on Credit Card Debt posted at Greener Pastures: Personal Finance.

Ken Clark presents Financial Aid Calculator: Using Fafsa4Caster.com to Estimate Your Federal Aid posted at Saving for College - About.com. How to get a quick estimate of your Federal financial aid from the Dept. of Education.

Christopher Johnson presents Your Most Important Finance Tool - Your Vote posted at christopheraaronjohnson.net.

Hanna Kassis presents Take interest in interest - it can make you or break you. posted at College Finance 101.

Soo presents 7 Money Saving Sites Every Bargain Hunter Should Know About posted at womopo - practical tips and advice for men.

Mike C presents Avoid Making This Key Investment Mistake posted at Stock Investment Tips. Many people make bad investment decisions because they let their emotions take control of them.

Diane Dean presents Cliaming The Child and Dependent Care Credit posted at Need IRS Help?.

imarketing4s presents Debt Reduction Methods: Debt Consolidation Vs. Debt Negotiation posted at Loans and Finance. If you are beginning to have serious trouble dealing with your monthly bills, its time to work with a debt consolidation or debt negotiation company. Know the pros and cons and get real help!

John Crickett presents Types Of Debt posted at Find Financial Freedom. There is no such thing as “good” debt.

Livingalmostlarge presents Can you hide debt? posted at LivingAlmostLarge. Can you hide debt? Do people around you really know?

Joshua Seth presents What To Do With Your Tax Rebate Check posted at Joshua Seth Blog.

Mike Leonard presents In Debt? – Let go and move on posted at Until Debt Do Us Part.

Mag Herrera presents The Quest for Making Money Online posted at Life, Money & Development. Personal opinion and views about the rush for making money online.

Financial Goal presents Budgeting for your Finances posted at Goal of Financial Freedom. How to Budget if you have not started already.

Matt Hutter presents Debt Consolidation Is A Terrible Idea posted at MattHutter.com. This post details the perils of debt consolidation.

Bill D presents 6 Ways to Improve Your Credit posted at The Wealth Hunter.

That concludes this edition. Next edition of this carnival will be hosted here on June 08, 2008. Submit your blog articles using our blog carnival submission form.