FastSwings: Credit Card

Showing posts with label Credit Card. Show all posts

Friday, March 13, 2015

I Cannot Pay My Taxes, HELP!

English: Debit Card (Photo credit: Wikipedia)

About 27% of taxpayers annually need to pay the IRS when they file their tax returns. If you are one of these individuals, you need to figure out how you are going to pay. When you have the amount needed, you can use a debit card, mail a check with your return, or have the funds withdrawn from a savings account.

If you cannot pay the amount, then you can use a credit card or setup a payment plan with the IRS. Pay as much as you can by the tax deadline and wait for the IRS to tell you how much a month additional you should pay. An Online Payment Payment Agreement will give you up to 120 days to pay off the balance. Find this form on the IRS website, IRS.gov.

IRS Form 9465 gives you more than 120 days to pay the IRS for the taxes you owe. This is considered an installment agreement and is available with the major tax preparation software packages including TurboTax. There is a small fee to setup the installment agreement but if this is your only choice, it is the way to go.

Consider all the costs involved when deciding how to pay your taxes when you file your 2014 tax return. If the APR on a credit card is high, then going directly to the IRS could be your best plan of action. Just make sure that you have everything setup prior to the filing deadline or you could face additional fees and penalties, making your debt burden even bigger.

Tuesday, June 5, 2012

Stock Carnival Ecstasy - June 5, 2012

Eiko and her credit card (Photo credit: eikootje)

Welcome to the June 5, 2012 edition of Stock Carnival Ecstasy. In this edition we start with Dr. Dean who looks at risks and rewards in investing in Are You An Investing Scaredy Cat? Stefanz presents Investors cashflow, not just a companies cash flow. The Hope Credit is available for all attending college according to Jackson in Tax Credits Available for Students. And finally Steve presents Taxes: 5 Easy Ways to Save. Paying attention to your deductions throughout the year leads to great returns.Hope you enjoy the articles, bookmark, share, tweet, like on Facebook and come back real soon.

Mike Smith Jr presents Why Money is Worthless posted at Personal Hack, saying, "What is the value of money? Well it?s the value society assigns to it. What?s the value of a five dollar bill? Can you really explain it without thinking of what you can purchase with the bill? A five dollar bill is just a piece of paper. A thousand years ago it would have been worthless..."

other

Dr. Dean presents Are You An Investing Scaredy Cat? posted at Dr. Dean's TheMillionaireNurse.com Blog, saying, "Risks and rewards in investing...Do you understand them? What makes people sell when they should buy?"

stefanz presents Investors cashflow - Investing: Strategy, Risk, Tools, and more... - Skuzet posted at skuzet, saying, "For companies it is important to have a positive cash flow. Lots of investors look a the cash flow of a company before investing in a company. But the cash flow of the investor is also very important."

Theresa Torres presents Clean Up Your Credit Before Buying a Home posted at Mortgages to go, saying, "Taking some steps to improve your credit score before buying a house can make a huge difference in the total amount you pay for a home, so it's definitely worth your while to take the time to do this."

Theresa Torres presents Who are the People Behind the Credit Card Statistics? posted at CreditDonkey.com Tips, saying, "Let's take a look at how people who are struggling financially and those who are considered financially stable are using their credit cards and paying their bills."

tips

Jackson presents Learn to do Your Own Accounting From Day One posted at 2009 Tax, saying, "Even the small things like recording invoice amounts into an excel sheet can save you precious time and money with your accountant."

Jackson presents Tax Credits Available for Students posted at 2009 Tax, saying, "The first education credit that is offered to students is called the Hope Credit or American Opportunity Credit."

Steve presents Taxes: 5 Easy Ways to Save posted at 2012 Tax - Free Tax Filing Options, saying, "By focusing a keen eye on your tax situation throughout the fiscal year, savings are much easier to take advantage of."

fasal presents Learn4U.co.in » Stock Market posted at Learn4U.co.in, saying, "http://learn4u.co.in/stockmarket-basicinformation-fundamentalanalysis-technicalanalysis-tips-tricks"

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

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Thursday, May 3, 2012

Stock Carnival Ecstasy - May 1, 2012

saving and spending (Photo credit: 401K)

Welcome to the May 1, 2012 edition of Stock Carnival Ecstasy.In this edition we have an article from Jason P. looking at Saving for College and What a 529 Plan is. We also have Laura Edgar from NerdWallet’s with the Top 5 Most Common Investing Mistakes. Hope you enjoy the articles, bookmark, share, tweet, link on Facebook and come back soon.

other

Jason P. presents A Children’s Savings Roadmap posted at One Money Design, saying, "Follow this children's savings road map to help aid you in teaching your children the importance of saving money."

Jason P. presents Saving for College: What is a 529 Plan? posted at One Money Design, saying, "Heard about 529 savings accounts but not sure how they work? If so, this article on the 529 education savings account plan will help you."

Theresa Torres presents How to Build Business Credit posted at CreditDonkey.com Tips, saying, "Here's an educational infographic guide for small business owners to help them establish their business' identity and build business credit."

Theresa Torres presents Gas Rewards Cards That Lessen the Sting of High Prices - NYTimes.com posted at Community, saying, "Choose the best card for your gasoline needs and earn cash-back rewards at the pump."

tips

Dr. Dean presents 100 Words On How To Become “Well To Do!” posted at Dr. Dean's TheMillionaireNurse.com Blog, saying, "Want to be financially successful? Check out this short mantra, and repeat it daily."

Theresa Torres presents 6 Tips to Help You Lower Your Credit Card Interest Rate posted at stumbleforward.com, saying, "It's not that difficult to lower your credit card rates. Here are several things that you can do to get your credit card interest rate down."

Laura Edgar presents NerdWallet’s Top 5 Most Common Investing Mistakes posted at NerdWallet Blog - Credit Card Watch, saying, "Even though these mistakes are widely known and consistently reported by finance gurus, people continue to stumble into the same sordid pitfalls."

Laura Edgar presents Guest Post: Are You Ready To Invest In The Stock Market? posted at NerdWallet Blog - Credit Card Watch, saying, "The first thing you need to consider is how comfortable you are with risk. You might get people telling you that a certain stock is a ‘sure thing’. Let me tell you, there is no such thing as a sure thing when it comes to the stock market. It just doesn’t happen that way."

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

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Thursday, April 19, 2012

Stock Carnival Ecstasy - April 17, 2012

Description unavailable (Photo credit: IGLTA Photos)

Welcome to the April 17, 2012 edition of Stock Carnival Ecstasy.In this edition we have Alexander Collins examining 8 Reasons to Start Trading FOREX. Super Saver writes about the Probability of a Market Correction. Finally Theresa Torres has Smart Ways to Invest Your Tax Refund. Hope you enjoy all the articles, bookmark, share, tweet, like on Facebook, and come back.

Maria Clark presents YouTube Credit Inspiration: How to Overcome Credit Card Debt posted at Credit Cards for Bad Credit Resource.

Dorothy presents Selecting a Secured Credit Card posted at Secured Credit Cards.

Sandra Adams presents 4 Unconventional Ways to Build Credit | Credit Cards for No Credit | Teaching Students to Build Credit posted at Credit Cards for No Credit.

other

Dr. Dean presents Are You A Scared Twenty Something Investor? posted at Dr. Dean's TheMillionaireNurse.com Blog, saying, "You’re a millennial. You’re investing as if you’ve survived the Great Depression. How will you have the needed money to retire when the time comes?"

Theresa Torres presents Student Guide to Credit Cards posted at CreditDonkey.com Tips, saying, "If used properly, credit cards can be a great tool for college students to help them meet some expenses in school and build their credit history. Here is an infographic guide for managing credit cards responsibly."

Alexander Collins presents Why Trade Forex: 8 Reasons to Start Trading Right Now posted at PipBurner Forex blog, saying, "Find out the benefits of trading on Forex market. 8 pros that can't be ignored."

Jason P. presents Study Says Better – Off are More Likely to Lie and Cheat | Do You Agree? posted at One Money Design, saying, "A study shows that the better - off are more likely to make unethical decisions. Do you agree, or do you think more money makes a greedy person more greedy?"

stocks

Super Saver presents Probability of Market Correction is High posted at My Wealth Builder, saying, "It's really going to happen this time... well maybe :-)"

tips

Theresa Torres presents Spring Cleaning Your Financial House posted at CreditDonkey.com Tips, saying, "Spring is here. It's the perfect time to not only scrub walls and sweep floors but also to organize your finances. Here are some tips on how to spring clean your house and your finances."

Theresa Torres presents Smart Ways to Invest Your Tax Refund posted at The Missouri "taxguy", saying, "Rather than spending your tax refund on unnecessary things, consider making good use of it in these smart ways so that you can be more financially stable."

Bill Smith presents Know About Tax Adjustments Now And Save More posted at 2012 Taxes - Free Tax Filing Options, saying, "Many income generating people do not realize it but information about tax adjustments no can cut their bill for the year to almost a half."

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

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Friday, March 30, 2012

Stock Carnival Ecstasy - March 29, 2012

SUN VALLEY, ID - JULY 09: William 'Bill' Weldon, chief executive of Johnson & Johnson, attends the Allen & Company Media and Technology Conference on July 9, 2011 in Sun Valley, Idaho. The conference has been hosted annually by the investment firm Allen & Company each July since 1983. The conference is typically attended by many of the world's most powerful media executives. (Image credit: Getty Images via @daylife)

Welcome to the March 29, 2012 edition of Stock Carnival Ecstasy.In this edition we have a couple of great articles including Alexander Collins looking at 3 Forex News Releases You Can Make Huge Money With. A good read for all investors. And Jessica Cooper examines investing in US Treasuries Analysis. Hope you enjoy all the articles, bookmark, share, tweet, like on Facebook and come back soon.

Daniel Rosenstein presents Do you spend a $1,000 a year on a cup of morning Joe? | Miss Money Bee posted at Miss Money Bee, saying, "Being shouldered with credit card debt or finding it difficult to make ends meet every month can be a stressful situation, but many people may not be aware of the small changes they can make to their spending and the large results these simple alterations can have on their overall financial condition."

other

Alexander Collins presents 3 Forex News Releases You Can Make Huge Money With posted at PipBurner Forex blog, saying, "Trading news releases provides great opportunities because of its ability to increase volatility in the short term. Read now how to make huge money during News"

Dr. Dean presents Giving Credit Card Info To Social Media? Come on! posted at Dr. Dean's TheMillionaireNurse.com Blog, saying, "Around the corner is a marketing explosion that will allow us to shop while visiting our favorite social media site. It’s going to happen. It will increase the value of the social media stocks but is it a good idea?"

Bill Smith presents 2012 Taxes And The Proposed Tax Rates posted at 2011 Taxes, saying, "President Obama is planning to tax income from capital gains as ordinary income. This will increase the top tax rate to 39.6 percent."

Theresa Torres presents Your Refrigerator Can Provide Cold Hard Lessons in Personal Finance posted at CreditDonkey.com Tips, saying, "There are some things we must consider when buying a commonplace appliance such as a refrigerator. One factor is financing and here's where we can get lessons about personal finance."

Theresa Torres presents The Pros and Cons of Building a Strategic Business Partners posted at Michael Hartzell, saying, "Before you decide to take on a business partner, you should carefully consider the possible pros and cons listed in this article."

Jason P. presents Six Helpful Tips to Get You Spring Cleaning on a Budget posted at One Money Design, saying, "Save money on your next large event whether it is for your congregation, a special interest group, or even just a special party you plan to host!"

stocks

Jessica Cooper presents US Treasuries Analysis posted at Easy Forex News, saying, "EasyForexNews provides you with daily high-quality forex news, forex analysis, forex trading signals, strategies and forecasts, trade ideas. Also find forex charts, forex economic calendar and current fores rates."

Dividend Growth Investor presents Does entry price matter to dividend investors? posted at Dividend Growth Investor, saying, "The reason for the lost decade in stocks is that many otherwise quality companies were overvalued in the early 2000s. For example Johnson & Johnson (JNJ) was trading at 29.30 times earnings in early 2000, whereas McDonald’s (MCD) traded at 26.90 times earnings. Even some of the best dividend stocks are not worth paying more than 20 times forward earnings."

wizard presents what can you do to invest your money? | Optimum Awareness Leads to Optimum Control in Your Life posted at Wizard Corpse, saying, "here I wrote one's options if he has an extra cash and would like to grow it."

Joe presents Analysis | MyStockAnalysis.com posted at MyStockAnalysis.com, saying, "Unique way of providing daily stock analysis by automatically matching S&P 500 stocks to various patterns"

tips

Anonymous presents Guest Post: Are You Ready To Invest In The Stock Market? posted at NerdWallet Blog - Credit Card Watch, saying, "Timing the market - for most of us, it's a surefire way to lose money. Especially as the Dow takes multiple-percentage-point swings seemingly every day, investing is not for the faint of heart. Are you ready to get back in to the market?"

MaryLou Walston presents 10 Economical Cars That Maintain Their Value posted at Car Insurance Blog News, Tips, and Quotes, saying, "A smart car buyer always considers how their new purchase will affect their bank account down the road. As you know, a car costs more than the sticker price, with gas, maintenance, and repairs comprising a portion of your true monthly car allowance. If you're stuck with an unreliable gas guzzler, then you could find yourself micromanaging your driving habits to avoid the inevitable financial hit — and that's neither convenient nor fun. The following cars (and SUV) are not only economical, but they maintain their value because of their proven reliability. For those reasons, their owners can drive free of the anxiety that often accompanies car ownership."

Bill Smith presents Bringing Down the Burden of Tax Debt – Offers in Compromise – 2008 Taxes - Free Tax Filing Options posted at 2008 Taxes, saying, "People all over the world are struggling with debt in the current global financial climate. For most people these debts will be to do with credit cards and..."

Bill Smith presents Finding A CPA Who Knows Real Estate Tax Laws posted at 2008 Taxes, saying, "Finding a Certified Public Accountant, or CPA, who knows real estate tax laws is essential, whether you are a big investor or a small time homeowner. Why is it..."

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Tuesday, February 14, 2012

Five Practices That Hurt Your Credit Score

Factors contributing to someone's credit score...

Image via WikipediaPresent times have put a great deal on credit scores. Know what practices to avoid so that your credit score would remain in good standing.

Our present society operates on credit. People are encouraged to lead a consumerist life despite the absence of actual money. Credit cards and loans have been available for anyone who wants to make purchases, large or small, in exchange of a promise to return what he or she would owe. Needless to say, words written on paper and signatures are not enough to serve as basis for allowing someone to borrow money. Credit scores are then devised to reflect a person’s creditworthiness. In the world of credit, it has become a significant determining factor in assessing if a person can repay the debt, what type of debt the applicant would qualify for, and on what percentage of interest the debt should operate. Credit scores should be kept in good standing to elicit trust from creditors.
Given that credit scores are important, you should make it a point to keep you credit standing in good and favorable condition. You should be aware of the practices that may hurt your credit score, as well as your finances.
1. Making late payments. One of the important components of your credit score is payment history. Your creditors look at this part of your score to know if you have been a responsible payer with your past financial obligations. You should avoid paying after the due date because missing payments can harm your score drastically.
2. Using 50 to 80 percent of your available credit. It is ideal that you only avail of 25 to 30 percent of your total allowed credit. It is better to have two or three cards with small balances than using one card up to its maximum limit.
3. Filing for bankruptcy. If you are overwhelmed with debt and you are struggling to pay them off, bankruptcy should be your last option. It can severely damage your credit score for years, as well as limit your employment opportunities and endanger your assets. If you really want to get rid of your debt, you may consider debt relief programs such as debt settlement and consolidation. This may affect your score to some extent but you can recover faster than when you file for bankruptcy.
4. Applying for multiple credit cards and loans. The number of inquiries that appear on your credit report may be regarded by creditors as a negative implication because it can indicate your critical financial situation. Your inquiries may be read as need for money or financial struggle.
5. Ignoring your debts. Some people think that ignoring their financial obligations will make their problems go away when in fact, this worsens the situation. As long as you disregard the notifications and creditor calls and not take action, interest and penalty charges add up to your principal debt and your credit score suffers. If you cannot handle your debts on your own, look into the available debt relief program that offer assistance in debt management. These solutions may somewhat harm your score but they may help you get out of debt faster. The sooner you clear up your debts, the better for your credit standing.

Despite the weight of credit scores in our present economy, you can resort to using cash and not opting for credit. However, maintaining good credit scores may be of great use if you plan to purchase a home or a vehicle. Keeping your credit score in a satisfactory condition also reflects your character, trustworthiness, and financial responsibility.

Thursday, February 9, 2012

Stock Carnival Ecstasy - February 9, 2012

Joachim Alpen (Photo credit: SEBgroup)

Welcome to the February 9, 2012 edition of Stock Carnival Ecstasy. In this edition we have Alexander Collins considering weather the EURO is doomed to collapse. LivingInVol takes a look at what Facebook is worth. Do you like to Holding Stocks during Earnings Announcements? Doctor Stock has some trading ideals if you still own the stock when earnings are announced. And finally Patrick LaRue helps us Plan For An Early Retirement. Hope you enjoy this edition, bookmark, share, tweet, like on Facebook and come back soon.

other

Alexander Collins presents Forex Trading Forecast for 2012. Is EURO doomed to collapse? posted at PipBurner Forex blog, saying, "Latest forecast about Forex market in 2012"

Alexander Collins presents Pros & Cons of Different Time Frames in Forex posted at PipBurner Forex blog, saying, "This article will help to understand what is the best time frame for best possible your trading"

Beth Montgomery presents Find Your True Credit Card Cost posted at Credit Cards for Fair Credit, saying, "A small monthly payment may seem insignificant, but when you take the time to find the true cost of your credit card along with the interest, you may think otherwise."

stocks

LivingInVol presents What is the Facebook IPO price? What is Facebook worth? posted at Living in volatility, saying, "What JM Kenyes would say about the Facebook IPO."

CultOfMoney presents Portfolio - tactical asset allocation to domestic equities | CultOfMoney posted at CultOfMoney, saying, "As of the end of January / beginning of February, my Tactical Asset Allocation (TAA) model has shifted more heavily into equities, specifically domestic equities. Looking at the sector rankings for this month, you can really see the performance shift. Now, I will remind you that this model is not for day-trading, it is for long-term holdings. The goal is to get the middle 80% of multi-month and longer trends."

tips

Theresa Torres presents Why Your Small Business Should Offer a 401K posted at Investor Junkie, saying, "Offering a 401K program to your employees can provide direct benefits to your business and here are the reasons why."

Doctor Stock presents Holding Stocks during Earnings Announcements posted at Invest in the Markets, saying, "Holding stocks during earnings announcements has inherent risks… but that’s not to say you shouldn’t do it. We'll examine what to do if you already hold a stock, or are simply considering it."

MikeAhi presents Top Investing Websites of 2011: The Best Free Investment Resources on the Web! posted at After Hours Investing, saying, "Here's a great list of resources for investment information. They were tops in 2011 and remain so in 2012."

Sean presents Discussing Salary Raises With Your Boss | One Smart Dollar posted at One Smart Dollar, saying, "With yearly job reviews right around the corner this article gives tips for how you can make sure you get the best raise possible from your employer."

Patrick LaRue presents Planning For Early Retirement posted at 2010 Tax, saying, "Retirement planning is something that people usually do to prepare for old age."

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Thursday, January 19, 2012

Stock Carnival Ecstasy - January 19, 2012

Half million dollar house in Salinas, Californ...

Image via Wikipedia

Welcome to the January 19, 2012 edition of Stock Carnival Ecstasy.In this edition we have Alexander Collins looking at What is Scalping in Forex Trading and how to profit from it. Tim @ Faith and Finance reports on Retail Sales which were up at the end of 2011. We have an article on REITs by Mike Piper. The Dividend Growth Investor shows us his Dividend Retirement Plan. And finally Steve presents Small Money Mistakes With Large Financial Consequences. Hope you enjoy the material, bookmark, share, tweet, like on Facebook and come back soon.

other

Jailan Marie presents Walking the Talk! What people really want! posted at Innovative Solutions For Positive Change.

Alexander Collins presents What is Scalping in Forex Trading and How to Succeed with It? posted at PipBurner Forex blog, saying, "Hello,
It would be great to see my post in blog carnaval"

stefanz presents Why nature and the economy are similar - Investing: Strategy, Risk, Tools, and more... - Skuzet posted at skuzet, saying, "Investors can learn something from nature. Both animals and companies depend on environmental factors. But there is more."

Theresa Torres presents 7 Tips for Repairing Your Credit After Bankruptcy posted at file your bankruptcy, saying, "Rebuilding your credit score after bankruptcy involves time and patience on your part. Following these simple steps can boost your credit faster."

Tim @ Faith and Finance presents Retail Sales Up in 2011: A Glimpse of Hope? posted at Faith and Finance, saying, "A quick look at how consumer spending ended in 2011. Sometimes the reports are difficult to interpret, but we break it down in a way that makes it easy to understand economics."

Chelsea Prescotti presents Mortgage Lenders Hunt Home Owners Even After Foreclosure posted at CreditScore.net, saying, "No one ever buys a home with the intention of one day losing it to foreclosure or being forced by circumstance into a short sale. Unfortunately, that is exactly the situation in which many homeowners find themselves. Financial struggles push thousands of homeowners into short sale or foreclosure every year. When the housing market collapsed in 2008-09, many found themselves upside-down in their mortgage and opted to simply walk away, leaving the bank to foreclose on the property and sell it for whatever a buyer would pay."

Rachel Cleary presents 10 Hidden Ways to Save Money on Auto Insurance posted at Auto Insurance Quotes, saying, "When it comes to saving money on car insurance, there are some things that you can control and some things that you can’t. You’re probably already aware of the importance of maintaining an excellent driving record and owning a reasonable vehicle in order to get low rates. There are several other special discounts floating around out there that aren’t often advertised. Familiarize yourself with the following list of special auto insurance discounts and mention them to your insurance company to see if you qualify."

Jeffery Weber presents January 2012 - Report on 0% Balance Transfer Credit Cards posted at Smart Balance Transfers, saying, "Consumers seeking to reduce interest expenses will find that the average length of balance transfer offers remains above 1 year, while average fees have dropped to just over 3%, making January a prime month to evaluate balance transfer options."

stocks

Mike Piper presents REITs Are Stocks posted at The Oblivious Investor, saying, "Despite misconceptions to the contrary, REITs are simply a type of stock. And they're already included in most broad index funds."

stefanz presents Discount model part 2: Cash flow - Investing: Strategy, Risk, Tools, and more... - Skuzet posted at skuzet, saying, "Valuing companies is one of the most important activities an investor should perform. In this series, the different types and the calculation of the discount models are described. In part two of this series, the discounted cash flow model is discussed"

Dividend Growth Investor presents My Dividend Retirement Plan posted at Dividend Growth Investor, saying, "I invest in dividend stocks, in order to generate a sufficient income stream, that would meet and exceed my expenses in retirement. Retirement to me is the point where my dividend income exceeds my expenses, which means that I no longer have to work for money.I am a big proponent of value investing, which is why I would only consider myself financially independent whenever the dividend income stream generated by my portfolio exceeds 1.5 times my annual expenses. In order to get there, there are several simple, but crucial principles I need to follow."

tips

Steve presents Small Money Mistakes With Large Financial Consequences – 2008 Taxes - Free Tax Filing Options posted at 2008 Taxes, saying, "All of us are liable to make mistakes every now and then; after all, we’re only human. But there are some seemingly small mistakes that can snowball into something big and bring irreparable consequences to businesses."

Ariel presents Oil And Gold: Connected! posted at Buy Gold Co., saying, "Rundown of the connected nature of gold and oil for traders."

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Tuesday, January 10, 2012

Stock Carnival Ecstasy - January 10, 2012

Image by 401K via Flickr

Welcome to the January 10, 2012 edition of stock carnival ecstasy.In this issue we have three great articles starting with stefanz who has a investment checklist for all investors. Patrick LaRue has 4 Ways to Get the Most out of Your Retirement Budget. And finally we take a look at the Renewal Of Payroll Tax Cuts in Congress recently. Hope you enjoy the articles, bookmark, share, tweet, like on Facebook, and come back real soon.

other

Theresa Torres presents Ghost of Christmas 2011 Could Haunt Average American for 4 Years posted at CreditDonkey, saying, "This article provides some facts about holiday debt and advice on how to manage holiday debt repayment."

Dr. Dean presents Football and Personal Finance-14 Corollaries! posted at Dr. Dean's TheMillionaireNurse.com Blog, saying, "Financially speaking, it’s been a tough year, but then, every year can be. Need a ‘pat on the butt’ locker room pep talk? Get one here and then be ready to ‘get back in the game’."

Judy Blackburn presents How To Get Out Of Debt-The Smart & Quick Guide posted at Debt Consolidation, saying, "The holiday season is just about behind us and what lies ahead for many is the mounting piles of bills left over from the spending- and over spending- that frequently goes on this time of year."

tips

Sandra Adams presents Credit Cards for No Credit posted at Credit Cards for No Credit, saying, "Many credit card companies hire lawyers to twist contracts and trick consumers into signing an agreement that will not benefit the cardholder."

stefanz presents Investment checklist - Investing: Strategy, Risk, Tools, and more... - Skuzet posted at skuzet, saying, "Every investor wants to invest in the best possible companies and investment products. There are a lot of methods to find the best investment, and on this site you can find the different methods on a checklist."

Patrick LaRue presents 4 Ways to Get the Most out of Your Retirement Budget posted at 2010 Tax, saying, "As medical technology advances, society becomes safer and health knowledge becomes more mainstream, the life expectancy of humans tends to increase."

Steve presents House Republicans Agree On Short-Term Renewal Of Payroll Tax Cuts And Other Benefits posted at FastSwings, saying, "Republicans in the House of Delegates caved on Thursday to the President's, congressional Left wingers ', and fellow Republicans ' demands for a renewing of payroll tax cuts for employees."

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Tuesday, November 29, 2011

Stock Carnival Ecstasy - November 24, 2011

Image by Getty Images via @daylifeWelcome to the November 24, 2011 edition of stock carnival ecstasy. In this issue we take a look at the Envelope System: Budgeting Best Practices from Jason P. We also have Robert @ The College Investor who examines the Upcoming Tech IPOs including Groupon. And finally SteveR has some tax advice with the Top Ten Most Overlooked Tax Deductions. Hope you enjoy the posts, bookmark, tweet, share, like on Facebook and come back son.

other

J.R. Weber presents The Benefits of Chase BluePrint posted at Smart Balance Transfers, saying, "Chase BluePrint is a tool available on Chase branded credit cards that can help consumers better understand and exert control over credit card interest expenses."

Jason P. presents Envelope System: Budgeting Best Practices posted at One Money Design, saying, "Closer look at envelope system and when it works best and when it might be more challenging to use."

Jason P. presents What is a 529 Plan? posted at Comments for Childrens Savings Accounts HQ, saying, "Choosing a 529 plan is the smart way to go when investing in your child’s education savings plan."

stefanz presents Investment strategy unpicking stocks - Investing: Strategy, Risk, Tools, and more... - Skuzet posted at skuzet, saying, "Two main investment strategies combined creates a new strategy that will bring you the best of both worlds."

J.R. Weber presents Chase Freedom Rewards Cards: Freedom $200 Cash Back Vs. Freedom $100 posted at Smart Balance Transfers, saying, "Consumers comparing rewards cards who also have credit card debt are wise to look past headline bonus offers and find a card that offers rewards and value."

stocks

Alexander presents Best Dividend Stocks posted at Dividend Blog, saying, "The best dividend stocks aren’t those with the highest yields. They are stocks that provide steady dividend growth and capital appreciation for shareholders."

Robert @ The College Investor presents Considering the Upcoming Tech IPOs? posted at The College Investor, saying, "What to consider when investing in tech IPOs."

Net Worth Protect presents LinkedIn Prices Secondary Equity Offering at $71 per share, But are You Buying It? posted at NetWorthProtect.com, saying, "LinkedIn is offering another round of pubic equity, but I'm not buying their story, are you?"

Alexander presents 20 Potentially Undervalued Stocks With High Dividend Yields posted at Dividend Stocks, saying, "Value investing is back. Investors are flocking to anything with perceived value to avoid the market swings we are seeing every day."

tips

Charles Chua C K presents 5 Effective Ways for Baby Boomers to Protect Their Wealth posted at All About Living with Life.

Linda Rodriguez presents Your Rights Under the Fair Credit Reporting Act | Credit Cards for Fair Credit | Credit Cards for People With Fair Credit posted at Credit Cards for Fair Credit, saying, "You may now be wondering exactly what your rights are under this act. Your information is being sold, and you should know exactly what you can do to prevent damage to your credit and future as well as fix any current credit problems."

Amy Gardner presents 3 Real-Life Stories of People Crushed By Payday Loan Debt posted at Comments on: Disaster Strikes: 3 Real-Life Stories of People Crushed By Payday Loan Debt, saying, "There are thousands of stories online about people who have struggled with payday lending. Some accounts are worse than others, but their personal experiences always seem to have similar results; they all end up in a worse position than they were before their payday loan."

SteveR presents Top Ten Most Overlooked Tax Deductions posted at 2009 Taxes, saying, "Each year the Internal Revenue Service (IRS) reports the most common tax deductions taxpayers forget about when submitting their income tax return."

SteveR presents Home Energy Tax Credits: Save Money With Energy Efficient Appliances posted at 2011 Tax, saying, "Homeowners know that energy bills comprise a hefty chunk of monthly bills, and have recently been getting even higher."

SteveR presents Ensuring Charitable Contributions are made to Qualifying Organizations posted at 2008 Taxes, saying, "The Internal Revenue Service (IRS) grants organization eligibility in receiving donations and giving them a tax-deductible status."

That concludes this edition. Submit your blog article to the next edition of stock carnival ecstasy using our carnival submission form.
Past posts and future hosts can be found on our

blog carnival index page.

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Monday, November 28, 2011

The Bearish Case For Gold

Image via WikipediaMany are seasoned to believe that now is the time to start piling all of their money into gold. The world hears the terrible financial news that seems to be coming out of Wall Street each and every day. It is not like things like this can be ignored forever. Individuals feel that they need to be making smart moves in order to preserve and make money in a market like this. One of the classical thoughts is to put money into gold.

Gold has always been thought of as a safe haven investment during turbulent times. It often trades paradoxically to the value of the dollar. The value of the dollar often falls during periods of economic turmoil. Therefore, one would assume that gold should be trading up during times like this. The fact of the matter is that it has. In fact, gold has increased in value during the last 10 years more than almost any time in history. This is the very reason why it is not a great investment now.

We all know that no investment can continue to rise in value forever. The ones that rise the fastest in a short amount of time are often the ones that fall the sharpest when the party is over. Therefore, it is probably not a great idea to put a lot of money to work in gold. However, there is more than just a rapid rise in price that should worry gold investors.

The gold markets are seemingly unstoppable at the moment. They are pricing in a worldwide recession the likes of which could be nearly impossible to climb out of. There are many things that indicate that the price of gold could climb even higher at some point in the future. However, the price right now is already somewhere that it shouldn't be at. It has become the popular trade on Wall Street, and that means that it has climbed even beyond the wildest dreams of those who think that the market is going to decline rapidly.

There has actually been some good economic indicators that have been coming out of Wall Street. These include signs that the employment market is starting to become a little stronger. It is also true that companies are beginning to report stronger revenue. These are just the early signs of a recovery of course, but they point to the idea that the economy may be starting to heal. It will likely be a long time before there is significant sustainable growth, but the early signs are there. With this, the price of gold may well decline as the market gets healthier and more investors decide to take on more risk. There is a significant likelihood that this could be the case in the next 3-5 years.

Gold is simply not the best play to make at a time like this. There are other options available to those who are serious about making a profit in this choppy market. Perhaps even purchasing stocks themselves would be a better move at the moment.

Petrusia Kowal is a commodities trader in Toronto, as well as a music teacher. People often pay attention to one end of the situation, and forget about the other. Be aware of the countless opportunities in a sluggish market. This is the likely the perfect time to refinance your auto insurance. Other financial products like credit cards and mortgage rates also often get quite competitive in such markets. Visit Kanetix to do some comparison shopping, and determine if you're getting the value that you deserve.

Thursday, November 10, 2011

Stock Carnival Ecstasy - November 10, 2011

BERLIN, GERMANY - MAY 19: Model Nadja Auerman...

Image by Getty Images via @daylifeWelcome to the November 10, 2011 edition of stock carnival ecstasy. This edition begins with Nathan Richardson and an article on the Top 10 Rogue Traders. The Dividend Growth Investor takes a look at Why Sustainable Dividends Matter. We have an article on Why Trading Systems Are Not Profitable For Everyone from SteveR. And SteveR presents another article on How to Appeal Your Property Taxes. Hope you enjoy the posts, bookmark, share, tweet, like on Facebook and come back soon.

Kristine Ann presents roth ira taxes posted at Roth IRA Rules and Guidelines, saying, "You should diverisfy for taxes just like you would for investment risk. In addition to your company retirement plan, you should also consider investing in a Roth IRA. A great strategy is to invest just enough to get the company matching (if you are lucky enough to work for a company that still offers matching contributions), then invest the rest of your money into a Roth IRA."

other

Bruce Givner presents Blog l Estate And Tax Planning l Asset Protection posted at Law Offices of Givner & Kaye, saying, "Daily insights on estate planning, tax planning, asset protection planning and other matters regarding the representation of high net worth individuals and their closely held corporations."

J.R. Weber presents Chase Slate 0% APR No Fee Balance Transfer Credit Card Offer posted at Smart Balance Transfers, saying, "Consumers seeking ways to reduce credit card expenses typically must pay a 3% transaction fee to obtain a 0% rate. The Chase Slate card removes this hurdle that prevents many from utilizing 0% balance transfers."

Someone presents Commodity ETF Futures Trading - Natural Gas, Oil, Gold and Silver - Contango, Backwardation posted at Metal Energy Blog, saying, "Metal Energy Blog is a reference document for new traders who are interested in leveraged Commodity ETF's"

Chelsea Prescotti presents How To improve Your Credit Score | CreditScore.net posted at CreditScore.net, saying, "Saying that your credit score plays a vital role in whether you can apply to acquire further credit, obtain reasonably priced car insurance, or take out a small business loan for example is a bit of an understatement. It plays an enormous role and it is something that shouldn’t be taken lightly. In short, a credit score helps lenders and credit card and insurance companies, for example, determine the risks involved in lending a borrower/applicant money, credit, or insurance respectively. It also helps lenders and other agencies determine the specific amounts, rates, and terms and conditions to offer a borrower/applicant."

SteveR presents 9 Things to Consider When Choosing an Online Forex Broker posted at Forex Trading System Central, saying, "When you start trading Forex, you automatically become a part of this huge trillion-dollar trading environment."

stocks

Nathan Richardson presents Top 10 Rogue Traders posted at Complex Search, saying, "These traders can make a lot of money – but sometimes they go rogue as mistakes prompt them to hide losses and make big gambles in an attempt to turn the tide. Take a look at the 10 biggest rogue traders."

Carlos Sera presents A Preservation Tale posted at Financial Tales, saying, "http://financialtales.com/financial-tales/high-net-worth-tales/a-preservation-tale/"

Dividend Growth Investor presents Why Sustainable Dividends Matter posted at Dividend Growth Investor, saying, "In order to reduce the risk of dividend cuts, I analyze the sustainability of the dividend payments before I commit any capital to new or existing positions. For most stocks, this means evaluating whether the dividend payout ratio is less than 60%."

Super Saver presents How the Greeks Stole Christmas posted at My Wealth Builder, saying, "The EU debt crisis and the likely Greek default will continue to be damper on the stock market."

SteveR presents Why Trading Systems Are Not Profitable For Everyone posted at FastSwings, saying, "Probably, all the things in this world are based on a difference. Two exactly the same cars turn out to be different in further usage – one of them brakes down faster for some reasons."

tips

SteveR presents Tame the Taxman: How to Appeal Your Property Taxes | 2011 Taxes posted at 2011 Taxes, saying, "Doing your taxes correctly is difficult enough without falling prey to misinformation"

SteveR presents Mortgage and the Emotional Costs Associated With It posted at Debt Consolidation, saying, "Home ownership is a really big responsibility and many people still see owning their own place as a primary goal in life, which can be both a wonderful and a dangerous idea."

That concludes this edition. Submit your blog article to the next edition of stock carnival ecstasy using our carnival submission form.

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