The Carnival of Smarter Investing # 21

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Welcome to the Twenty First Edition of The Carnival of Smarter Investing! We're back with our November edition of CoSI, so sit back, relax, and enjoy this supersized gathering of featured articles by investors and writers in the areas of business and real estate. And, as always, to submit your article for the next edition, you can do so here.


Deposit Accounts presents Investing in a Rocky Economy posted at Deposit Accounts.

Matthew Paulson presents Should You Consider Social Lending? posted at American Consumer News.

Fatty presents Volatility Dampens Returns posted at Fatty Fat Fat.

The Fund investor presents Bear Market Mutual Funds posted at Mutual Fund Investing Tips, saying, "The one type of mutual fund investor that has made money in 2008 are those that have been investing in inverse mutual funds"

Lance Cooper presents How Trickle Down Affects You posted at Recession Money Matters, saying, "Think you are insulated from the stock market? Think again."

The Fund investor presents The Hidden Advantage Of Mutual Fund Investing posted at Mutual Fund Investing Tips, saying, "Mutual fund investing is a good way to prevent making investing mistakes."


Joseph presents How To Invest posted at Your Investing Guide.

Sun presents What Is Going on with Gold? posted at The Sun’s Financial Diary.

One Family presents BDCs (ACAS, ALD, MCGC, PSEC) – A Comparative Analysis posted at One Family's Blog, saying, "A comparative review of four Business Development Companies (BDC)."

Jesse Wojdylo presents November Stock Market Predictions posted at Subprime Blogger.

Investing Angel presents Investments To Avoid posted at Stock Tips, saying, "Some investments to avoid - especially in the coming recession!"

Raag Vamdatt presents Why you should not stop your SIP when market corrects :: :: Financial Planning demystified posted at

Keira presents Resisting Panic: A Quick Guide to Surviving The Credit Crunch posted at Rich Leverage.

Lazy Man and Money presents Our Early Retirement Plan: Where We Are Now (Part 1) posted at Lazy Man and Money.

Billy Akerman presents When Is It Time To Take A Loss In A Stock | Beating The Stock Market posted at Beating The Stock Market, saying, "There are times when taking a loss is better."

Jim presents » How Non-Qualified Stock Options Work on Blueprint for Financial Prosperity posted at Blueprint for Financial Prosperity.

MoneyNing presents Try Buying When You Want to Sell and Vice Versa posted at Investing School, saying, "Time for something radical since nothing else is working anyway!! :)"

Fatty presents Automated Day Trader: Double Moving Average Crossover, Test 1 posted at Fatty Fat Fat.

Bill Spohnholtz presents Social Security Sense posted at Learn The Stock Market And How to Trade.

greg Group presents How to Make Money by Laddering Covered Calls - Associated Content posted at Associated Content.

Investing School presents Earnings Per Share (EPS) posted at Investing School, saying, "Learn all about Earnings Per Share, how to calculate it and why it's useful!"

Jim presents » Series I Bond Rate Calculator on Blueprint for Financial Prosperity posted at Blueprint for Financial Prosperity.

jeflin presents Spend Our Way Out Of Recession posted at Jeflin's Investment Blog.

Sun presents I Bond Rates for November 2008 With Fixed Rate 0.7% posted at The Sun’s Financial Diary.

Bill Spohnholtz presents Investing Market - 10 Better Things To Do With Your Money posted at Learn The Stock Market And How to Trade.

Investing Angel presents Learning Financial Planning through Asset Allocation » Free Stock Market Investing Tips posted at Stock Tips, saying, "Some ways to learn about financial planning."

Jim presents Resources to Learn About Stock Market Investing posted at Blueprint for Financial Prosperity.

Investing School presents Price to Earnings Ratio (P/E) posted at Investing School, saying, "Learn everything you need to know about the price per earnings ratio!"

Ajay presents How to perform stock research using fundamental analysis posted at Finance-Information, saying, "This article talks about basics of investing using fundamental analysis, especially for retail investors."

Tony Huynh presents 8 Ways to Make Your Goal a Certainty posted at, saying, "People will allow themselves to be pushed around and bullied in order to remain comfortable. People will act in a painful situation to ease the pain or remove the source of that pain. Security and comfort is not afforded by a job, it is provided by your ability to produce."

Martin Russell presents A Cautionary Story Of A Financial Adviser posted at Word of Mouth Marketing.

Contrarian Profits presents Financial advice | The Five Keys To Value Investing Profits - Contrarian Stock Market Investing News - Featuring Bargain Stocks posted at Contrarian Profits, saying, "Even the most conservative value funds have been whacked this year. But Keith Fitz-Gerald says following a value-investing discipline is the smartest thing to do right now. That’s where the big recovery gains will be. He gives five tips on how to seek out “real value” in the market."

David presents Bad News is an Investor’s Best Friend posted at Worldwide Success.

Bill Spohnholtz presents Caterpillar (CAT) Heavy Equipment Time posted at Learn The Stock Market And How to Trade.

Investing School presents 401(k) Retirement Plans posted at Investing School, saying, "Everything about 401(k) retirement plans! Benefits, details and more!"

Lauren Rose presents Practicing in the Forex Market posted at Stock Markets Investment, saying, "Why you should start practicing forex trading by playing many online games and simulations where you can learn many of its tips, tricks, and pitfalls."

Michael Bass presents Investing Money with Vanguard’s International Growth Fund and Fidelity’s Select Gold posted at Debt Prison, saying, "All this doom is good for gold… at least in the short term (two more years). For now I think gold is stable as a hedge (but as an investment with profit as the goal… the money has already been made)."

Sun presents Transfer A Brokerage Account: How Much Does It Cost? posted at The Sun’s Financial Diary.

Michael Cohen presents Traits Of A Good Investor | The Stock Investor - Stock Advice And Tips posted at The Stock Investor, saying, "These are the three most importnat traits of a successful stock investor."

One Family presents CanRoys (ENT, AAV, BTE, HTE, PVX, PGH, ERF, PWE) – A Comparative Analysis posted at One Family's Blog, saying, "A comparative analysis of Canadian Royalty Trusts that provide a way for energy exposure along with high monthly dividends, but comes with a caveat."

Bill Spohnholtz presents First Insurance Suggestion - AIG posted at Learn The Stock Market And How to Trade.

Michael Cintolo presents Investment Advice to Use Now posted at The Iconoclast Investor, saying, "Stock Market"

Joanne presents Researching Stocks posted at Beginner Investing.

Joe Hayes presents Forex Tips updated Sat Nov 15 2008 12:13 pm CST posted at Restoring Your Finances and Your Faith, saying, "Beginner tips for those thinking about trying to get into the foreign exchange (Forex) currency market."

MoneyNing presents Why Investing in Stocks This Year Was Not a Financial Mistake posted at Money Ning, saying, "While all our stock portfolios are down, it's never a mistake to invest!"

Jim presents Tax Loss Harvesting posted at Blueprint for Financial Prosperity.

Nesher presents Merchant of Venice Market Trading Program posted at Internet Stock Trading for Beginners.

Lane Wright presents Forex with as little as $10 posted at Awesome Forex Alerts.

Ripe Trade presents Breakout trade posted at Ripe Trade, saying, "This is a strategy to trade stocks that are poised to breakout. This technique has averaged 55% annual returns since 1990."

Bill Spohnholtz presents F Stock - Finished Or Real Deal? posted at Learn The Stock Market And How to Trade.

Michael Cintolo presents How Many Shares? posted at The Iconoclast Investor.

Relax presents Let’s talk about money posted at The Wise Curve, saying, "The good news is that being rich is not really difficult because it is just a state of mind."

Andrew Edgington presents Safe and Profitable Property Investments posted at Best On-line Mortgages, saying, "Mr. Shaw’s new book exemplifies his journey from struggling window installer to UK millionaire for the reader’s benefit. When you read this powerful book, chances are you will not be able to stop reading it until the stunning conclusion."

Investing School presents 52 Must Read Quotes from Legendary Investor - Warren Buffett posted at Investing School, saying, "Great quotes from a brilliant man!"

Michael Cintolo presents It’s How You Think That Counts posted at The Iconoclast Investor.

The Investor presents How you can enjoy the profits of 2,267 companies around the world for free posted at, saying, "More than 2,000 companies around the world have cash balances exceeding their market capitalization. That’s more than eight times as many cash rich companies as when the last bear market bottomed in 2002."

Silicon Valley Blogger presents Best Places For Your Money When The Stock Market Tanks posted at The Digerati Life, saying, "Thanks!"

Investing Angel presents I?m Betting On Oil posted at Stock Tips, saying, "What to do in a time of recession."

FIRE Getters presents Investing - Total versus Annual Returns posted at FIRE Finance.

Robert Brus presents Blog | posted at The Site Rush Preview, saying, "Buying, Selling and Flipping Internet Real Estate for Huge Profits, I'm going to reveal a real 21st century gold rush happening right now. Come See."

Aussie Investor presents Watching What Fund Managers Are Buying And Selling posted at Australian Investing, saying, "Watching the professional investors can be a great way to generate new investment ideas. However you will need to use your discretion - don't buy stocks indiscriminately just because your favorite money manager is buying. This article looks at a couple of ways to take advantage of what the big boys are doing as well as pointing out the pitfalls."

Sandy Naidu presents Bernard Madoff's Ponzi Scheme posted at FutureNestEgg.

Don presents Stock Trading On Margin posted at Beginners Investing Guide, saying, "Think twice before trading on margin if you are not prepared"

One Family presents Employee Stock Purchase Plan (ESPP) and 401K Retirement Plan Annual Enrollment and Contribution Review posted at One Family's Blog.

Joshua Dorkin presents 8 Steps to Starting Out In Real Estate Investing posted at Real Estate Investing For Real.

financefanatic presents Planning For The Future - What To Buy For My IRA? posted at Crash Market Stock - Stock Tips To Make Money During A Recession, saying, "Good tips when starting to plan out your IRA"

nickel presents Buying Non-Laddered CDs With Your Emergency Fund posted at

nickel presents 2009 Traditional and Roth IRA Contribution Limits posted at

Praveen presents Is Porsche the New Goldman Sachs? posted at My Simple Trading System.

apply4-credit presents Raise the Ratings or Reduce the Debt posted at Apply 4 Credit.

nickel presents Kiplinger’s Top Discount Brokers posted at

nickel presents How to Calculate Tax Equivalent Yield posted at

TheMoneyHawk presents How an $800 Tax Bill Taught Me Not to Be a Greedy Idiot posted at The Money Hawk, saying, "The market is on sale. How can I sit idly by and pass up this chance for potentially amazing investment growth? How can I put cash into a money market account at 3.5% interest when there are funds to invest in at 30% below their normal value? Those were the questions I was asking myself a couple weeks ago. Those were the questions that got me into trouble."

nickel presents The Best Online Discount Brokers (Updated) posted at

Jae Jun presents Analysing Financial Statements and AeroGrow posted at Old School Value, saying, "Learn to understand financial statements and the messages it tells you. AERO used as an example."

Michael Cintolo presents For the Investor on Your List posted at The Iconoclast Investor.

Andrew Edgington presents Cyprus Increases Its Investor Appeal posted at Cyprus Informer, saying, "Discover Cyprus property Investment issues on this information packed blog which is dedicated to giving free independent tips on property investment and travel."


Verna Morris presents 7 Ways a Non-Designer Can Tell if Their Web Designer is Any Good posted at Web Design Schools Guide.

Darryl Kimball presents Just Give Me a Home Based Business that Makes Money! posted at Just Give Me a Home Based Business That Makes Money, saying, "This article takes an honest look at the home based business industry and some of the pitfalls waiting for the person starting a new home based business. Many of us have started a new home based business filled with excitement and hope, only to be left with frustration and dismay. After all, we just want a home based business that makes money."


Khan presents An Outsider's Guide to Corporate Life posted at Higher Education and Career Blog.


Andrew Edgington presents A Successful Business at Home posted at Internet Success Strategies, saying, "I have 3 slots remaining for the Super VIP Program where I will work one on one with you to help you earn $30,000 Every Single Month!"


Mike presents Brand, Branded and More Branding! posted at Trade Show Convention Displays Blog, saying, " is a blog dedicated to the trade show industry and was created to discuss new product developments, trends, show marketing, and specific trade show venues throughout the trade show industry."


DebbieDragon presents Need to Save? Get Set to Automate posted at American Consumer News.

Ben presents Year End Policy Review Tips for Lowering Rates and Checking Coverage posted at Money Smart Life.

DebbieDragon presents Starting Early and Saving Often posted at Debbie's Debt Advice.

apply4-credit presents Credit Cards Can Work with a Budget posted at Credit Card Applications Expert |

Savings Toolbox presents Save Up For College With FreshmanFund's 529 College Savings Plan Gift Registry posted at Savings Toolbox.

Debbie Dragon presents Tips for Growing Money posted at The Money Blog.

Debt Freedom Fighter presents Simple Steps For Funding Financial Emergencies posted at Discover Debt Freedom!.

Destroy Debt presents 3 Basic Principles for Good Personal Finance Habits posted at Destroy Debt.

KCLau presents How to manages monthly cash flow posted at KCLau's Money Tips, saying, "This post is contributed by Relax, the blog author of Wise Curve - get smarter every day! I feel honoured to contribute a post on KC Lau’s blog. He’s one of my multi talented role models so I count myself lucky to be his net friend. Now let’s talk about money and how to manage cash flow."

Dave presents Freebie Sites That Save You Money posted at Cheapo Groovo.

KCLau presents Christmas On A Budget posted at KCLau's Money Tips, saying, "This post is contributed by Jacquelyn Sarah Wong, the co-author of The Secrets to Writing an Ebook in Three Easy Steps. It is about how to be frugal this christmas season with the economy down."

Travis presents You Need A Budget posted at Christian Money Mountain.

The Shark Investor presents Alternative Income: Writing posted at The Shark Investor.

Savings Toolbox presents Set Your Children Up With Savings Accounts posted at Savings Toolbox.

DebbieDragon presents Finding Your Growth Engine posted at 7 Millionaires... in Training!.

Cary Anderson presents 6 Tips for Reducing Your Debt posted at Debt Relief, saying, "Debt is not a pleasant burden, especially in the midst of a global economic slowdown. Before job security and credit concerns really start to impact your life, follow these six tips for getting debt free."

Tony Huynh presents Money: What Steps I Have Taken to Save It posted at, saying, "This article is about patching up the leaks and keeping all that money you make."

Lawrence T. presents Margin Loan | Types Of Loan - Types Of Loans posted at Types of Loans, saying, "A margin loan may be a good way of paying off credit card or as a source for other financing needs. Margin loans need to be used carefully though, since you want to avoid a margin call."

Don presents Student Loan Options For Graduate Students posted at D.P. Lawson, saying, "With money for financial aid becoming harder to get, many graduate students are finding it difficult to get loans to continue their higher education. Here's a resource list of financial aid programs available to grad students."

Buildify presents 2009 Credit Score Tips posted at Credit and Personal Finance Blog | Credit Karma.


Michael Geoffrey presents Pay Off Debt Or Invest Your Money? posted at Debt Smackdown, saying, "If you suddenly find yourself with some extra money, does it make more sense to invest it for the future or to pay off debt with it today?"

Raymond presents Reviews Of The Best Advanta Business Credit Cards and Offers posted at Money Blue Book.

Raymond presents Reviews Of The Best Discover Credit Cards and Offers posted at Money Blue Book.

Livingalmostlarge presents Walking the Walk? posted at LivingAlmostLarge.


Joshua Seth presents Benefits Of Economic Recession posted at Joshua Seth Blog, saying, "Is there something in the air that’s getting people down lately? My guess is that with all the news about the drop in home prices, stock prices, and consumer confidence a lot of people are starting to feel pretty bad about themselves and their future."

Money Smart Life presents Safe Places to Invest Your Money in a Bad Economy posted at Money Smart Life.

Fiona King presents 10 Obscure Currencies Affected by the Credit Crunch posted at Currency

hank presents How Is What We Are Going Through Now Different From The Great Depression in the 1930’s? posted at My Investing Blog.


sherin presents Economic Recession and Preparing for a Recession posted at Investment Internals, saying, "A study on the preparation for recession time. Focused on Savings, Portfolio and Job security. An educational article for ordinary person to help self to build a self defense against problems from economic slowdown i.e. recession"


Brian McKay presents Fed Funds Rate Cut to 0% to .25% posted at, saying, "The Federal Reserve Bank cut the Fed Funds rate from 1% down to a range of 0% to .25%. The cut was larger then the .50% cut analysts were expecting"


Market Breaker presents It's Been A Brutal Year posted at Stock Investing Tips, saying, "This year has been the worst year for the stock market since the Great Depression."


Jim presents Winners of the 2008 Recession & Credit Crisis posted at Blueprint for Financial Prosperity.


Joe Manausa presents How To Stay Calm In The Real Estate Market posted at Tallahassee Real Estate Blog, saying, "The entire financial world appears to be a scary place right now. Many people are starting to “smell opportunity” and yet are a bit too fearful to act on their instincts. The goal of this article is to get you to consider doing some homework and creating a decision matrix so that you can start to take advantage of the opportunities when you are ready."

Joe Manausa presents Discover The Secret To Making A Perfect Home Buying Offer posted at Tallahassee Real Estate Blog, saying, "There are so many infomercials and advertisements claiming that you can buy a home for mere pennies on the dollar that many potential home buyers are confused about what they should do. The goal of this short article is to help you develop a mindset that will allow you to buy the home of your dreams without paying too much for the home."

Joe Manausa presents Great News For First Time Homebuyers In Florida Real Estate posted at Tallahassee Real Estate Blog, saying, "It is interesting to note that in these times of financial hardship for everyone that there seems to be an abundance of financial assistance programs out there for eligible homebuyers purchasing new or existing homes in Florida."

Joe Manausa presents Real Estate Supply And Demand | Tallahassee Real Estate Blog posted at Tallahassee Real Estate Blog, saying, "It really isn’t that hard to tell where the real estate market is heading. All we need to do is take a quick re-examination of Economics 101 and realize that Supply and Demand actually do matter in the real estate market."

Joe Manausa presents What is a RSS Subscription? posted at Tallahassee Real Estate Blog, saying, "Have you ever noticed that anytime you read a blog, there is a Subscription Button that encourages you to subscribe to it? Well, I have been questioned about this often enough to recognize that most readers do not understand how RSS works and why bloggers should continue to explain it in order to expand their subscribers list."

Don presents Investors Snatching Up Bargains In Las Vegas Real Estate Market posted at Las Vegas Real Estate, saying, "Ever wonder why some investors continue to get rich while others never seem to find a bargain? It's because wise investors know that in a down economy, deals are everywhere. Others wait for markets to turn back up, thus missing most of the money in the deal. One area where smart investors are finding deals for their portfolio's is the Las Vegas Real Estate market."

Andrew Edgington presents "Investing In Real Estate" Tips posted at Best On-line Mortgages, saying, "Welcome to Your Free Mortgage - a step-by-step guide to making your mortgage pay for itself. Discover how to turn your mortgage into large cash lump sum."

Chris presents How to find a great house for a good price by asking the right questions (part 1) | Home I Own, Aussie Real Estate Blog posted at Home I Own.


Insurance Toolbox presents Guide to Life Insurance posted at Insurance Toolbox.

KCLau presents If either one of the joint-account holder dies, who gets the money? posted at KCLau's Money Tips, saying, "Let’s say you have a joint account with your spouse in a local bank. Due to an unforeseen accident, your spouse passed away (touch wood). Are you entitled to withdraw all the money in the account, say RM100k? The answer is not simply a “yes” or “no”. It actually depends on the bank’s rules and regulations. What I learn is that there are three possibilities."

nickel presents How do Federal Income Tax Brackets Work? posted at

Erika Collin presents 20 iPhone Apps to Increase Your Productivity posted at Web Design Schools Guide.

Jae Jun presents Book Review: Good to Great posted at Old School Value, saying, "A book review of Jim Collins "Good to Great""

Chelsy Albertson presents Are College Kids All Spoiled Nowadays? posted at Earn Money - Earning Money From Home, saying, "College kids seem to be very spoiled nowadays."

Jayson Gibson presents Hope for Homeowners Act of 2008 ?What's At Stake? posted at New Homes Section Blog, saying, "Information about the Hope for Homeowners Act of 2008. Details about problems in our current economy and how each problem relates to the Hope for Homeowners Act of 2008."

Helen Trump presents Turbo Continuity posted at Social Marketing by Michelle MacPhearson, saying, "Get more information about Turbo Continuity from this blog and grow your business more."


Louis Burns presents Crafting Mental Movies For Others posted at NLP Marketing Blog, saying, "This article is about not only visualizing your own goals but the experience you want other people to have as well."

The Shark Investor presents How To Outgrow The Self-Help Learning Stage posted at The Shark Investor, saying, "How to stop reading and start action"

Scott Miscall presents Investment Property and Fixer Upper Homes posted at Should you Consider Hard Money Finance?, saying, "Hard money finance can be a means to an end for some people and it can be beneficial. But, it really should be thought of as a last resort and not something to bank on for a long term solution."


Tees presents How To Stop A Foreclosure Process In Florida posted at Florida Foreclosure, saying, "Information on foreclosure in Florida and how home owners can protect themselves."


Investing School presents 25 Ingenious Ways to Spend Your Time in the Current Financial Crisis posted at Investing School, saying, "A fun piece during these trouble times!"

And there you have it. That's it for this edition of CoSI. Thanks again for the great above submissions, and a huge and ever present thanks to our rapidly expanding base of loyal readers. And remember, if you’ve got something to say regarding real estate investing, general investing, business, entrepreneurship or small business management, get it written up and submit it today! We’re always looking for more article submissions. So get writing!! Thanks for reading, and see you back here next month!!

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