The Carnival of Personal Finance at last comes to Endless Gibberish. What a treat too considering today also happens to be my 20th birthday . Enjoy the carnival while I enjoy my birthday at my 3 hour accounting class.

We’ll highlight three of my favorite posts first

Hazzard over at Everybody Loves Your Money has a refreshing and hilarious list of of the top 13 money saving ideas of all time. My favorite funny idea? Stop using toilet paper all together.

Grad Money Matters has a post entitled “Attitudes Towards Debt, Bills and Credit Card Arbitrage” which I particularly like because his main point is “Every
person has to find his/her comfort zone, when it comes to financial dealings. And should try and maximize the returns within the realms of their comfort zone”. Some people don’t realize that everyone has different risk tolerances and I particularly despise it when people who have zero tolerance for debt try to impose their stance on everyone else (especially me).

Living Almost Large has a post simply titled “Jealousy/Envy” that explores of the best money lessons I support. You should never hate other people for their success, it’s zero-sum thinking and not the way to think about money.

Now let’s get on with the rest of the carnival!

Harvey from Fiscal Times presents Boots on the Ground about due diligence in reading annual reports and such when it comes to investing. While also on the topic of investing, the fire finance attempts to give some advice on which index to invest. The skilled investor also wants you to pay less to get more.

Lots of lists were submitted into this edition, check em’ out:

• “Why live frugally? 15 ways to frugality makes you happier, healthier, and sexier.” by the Frugalist
• top 10 tax urban legends, myths and rumors by Paul over at Wise Bread.
• 10 common credit card scams and how to avoid them from Pushpa Sathish of the Credit Card Lowdown.
• Po’ Richard on Wealth-Build’n by Blair Benjamin of Asset Almanac.
• 7 habits of highly effective money managers by Edith Yeung.

Sara Goldstein over at the Bargain Queen gives a lesson on bargain shopping 101.

Chris over at Wisebread preaches the seven deadly sins of consumerism (and the frugal redemption).

In a similarly themed post, Sagar Satapathy gives you the lazy man’s guide to budgeting laid in out in the lord’s prayer.

Priya Jestin of the 1031 Exchange Lowdown shows you how to be your own real estate agent.

While you’re learning to be your own real estate agent, Wealth Building Lessons has a post on how to invest in real estate.

Make your nut has an article on credit scoring about the seven year myth. Great article for everyone, not just recovering credit-holics.

On the subject of credit scoring, Free Money Finance explains why even Dave Ramsey needs to consider his credit score.

No Credit Needed explains the evolution of his emergency fund. Emergency funds are absolutely necessary if you plan to live without credit as unexpected expenses will pop up from time to time.

Last, but not least, I’d like to congratulate Mr Credit Card on his 10 years of marriage and his financial lessons from those 10 years.

For further reading, check out last week’s Carnival at AllFinancialMatters.

Welcome to the February 9th edition of the Festival of Under 30 Finances The question that I asked for this carnival was:

” If you could turn back time, what would you have changed financially?”

The question was optional and the first couple of posts are of those that chose to answer the question.

WH took an entire day to ponder this question and then shares his thoughts on his personal finance blog.

Living Almost Large says that they wouldn’t change a thing saying if mistakes weren’t made early on, they would’ve been made later on.

Various responses regarding to the question asked:
Silicon Valley Blogger said: ” I wouldn’t have sold my Oracle stock options so early. I sold them in 1991. It was against my gut feeling but my father scared me out of the stock market entirely. If I had held on, I would have been set.”

ISPF said: “If you could turn back time, what would you have changed financially? Waited for a little longer before buying our first car. We just were not prepared for a big purchase like that. One thing led to another, and soon we found ourselves neck deep in debt. Waiting for a few more months then would have probably spared us from years of debt-related anxiety later!”

Mr Credit Card said: “If I could turn back time, I would have focused more energy in my career and self improvement, rather than just ‘doing my personal finance’.”

Now we move onto general submissions!

David talks about saving money on his wife’s college textbooks and why it just makes sense to comparison shop.

Steve Leung presents a basic guide on real estate investing with a 12-Month Plan to Becoming a Real Estate Investor.

Foro Juan discusses the aspects of shelter or investment in his submission.

Mr Credit Card has money lessons from his backpacking days.

Silicon Valley Blogger talks about buying on rumor, sell on news in his post “Did You Own AAPL Before the iPhone Announcement?”

Bryan C. Fleming posts an update on his million dollar savings club.

Penny Nickel talks about when is it the time to grow up and upgrade your stuff.

Never pay off student loans early! is the advice that Stingy Student gives.

MakingYourWay asks if your employer 401k match really means anything.

Would you overpay your cable bill or telephone bill? Probably not. So why do so many Americans overpay their taxes? is the question posed by Kristine McKinley.

Surfer Sam talks about getting more money in your career, ask for a raise!

ISPF presents the most important money lessons for the youth.

Welcome to the January 15th edition of the Carnival of the Capitalists.

Criteria for inclusion in this carnival are posts that are relevant and. Here’s the wording taken from the CotC page:

“Posts on business, management, marketing, accounting, finance, economics, sales, capitalism; anything of that nature that logically fits something called “Carnival of the Capitalists.” “

Posts will listed in chronological order in which they are recieved. Let’s get started!

Charles H. Green over at Trusted Advisor Blog talks about the perversity of measuring trust.

Matthew Paulson presents Whole Life Insurance is a rip-off, 100% of the Time! over at Getting Green.

David Maister of Passion, People, and Principles talks about Immigration and Strategy.

Murad presents U.S. and Canada Going to Trade War! posted at The New Business World.

Steven Silvers presents Wal-Mart must use advertising to keep its reputation from becoming an even bigger liability posted at Scatterbox by Steven Silvers.

Michelle Cramer presents What to Expect from Technology in 2007 posted at The Small Business Buzz.

Alan presents pay yourself rist – secret to becoming wealthy posted at Made to Be Great.

Daniel Scocco presents Users, Purchasers and Influencers posted at Innovation Zen.

Vihar Sheth presents Zero Waste posted at green | rising.

Rey Thomas presents What The President Said, What The President Meant posted at The Thomas Political Report.

FMF presents The Biggest Barrier to Becoming Rich posted at Free Money Finance.

Henry Stern, LUTCF presents ‘07 HSA Changes: A Recap posted at InsureBlog.

Silicon Valley Blogger presents Business 101: Teaching Myself Entrepreneurship posted at The Digerati Life.

H.S. Ayoub presents The Biotech Industry: 30 Years of Failure posted at BioHealth Investor.

Ben presents The High Price of Job Security posted at Money Smart Life.

Michael Dawson of Breaking the Shackles of the 9 to 5 presents 2007 Year of the Golden Piggy Bank.

Mike Buckley presents Working Hours posted at Mine Your Own Business.

Praveen presents Looking at Trading with Fresh Eyes posted at My Simple Trading System.

Nina presents The Working Poor and Living on Minimum Wage posted at Queercents.

Dan Melson presents Hurricane Katrina: Homeowner’s Insurance and Wind vs. Water Damage posted at Searchlight Crusade.

ISPF presents Evaluating and Negotiating Job Offers Part 2 – Signing Bonus and Relocation Benefits posted at Personal Finance for Students and Fresh Grads.

ML presents Stephen vs. Stéphane posted at My 1st Million At 33.

Pawel Brodzinski presents User Feedback posted at Software Project Management.

Trent presents Why Income Inequality Matters: Motivation posted at The Simple Dollar.

Sagar Satapathy presents Know Your Terms posted at 1031 Exchange Lowdown.

K T Cat presents Why Lean Six Sigma Works Only Sometimes posted at The Scratching Post.

Burningchrome presents Power Secret: 6-Month Cash Reserve posted at SmartCoolRich.

Wayne Hurlbert presents Business Building – Success Ideas

Boring Made Dull presents Price Controls on Prescription Drugs posted at The Boring Made Dull.

James Hamilton of Econbrowser discusses the role of the New Deal in prolonging the Great Depression.

Michael Wade presents Seven Problems of Diversity Management Programs.

David Daniels presents How to Improve Interviews posted at Business & Technology Reinvention.

Nickel presents Correcting Roth IRA Contribution Mistakes posted at fivecentnickel.com.

Binary Dollar presents Maxing Out A Previous Year’s IRA Contributions posted at Binary Dollar.

Joe Kristan presents AMT: WHERE YOUR COUNTY STANDS posted at Roth & Company Tax Update.

Big Picture Guy presents Making Allowances posted at BigPictureSmallOffice.com.

Welcome to the Festival of Stocks #14. Sorry about the dealyed start, problems with blogger that I didn’t notice. Well, let’s get started!

George presents Fat Pitch Financials Portfolio Performance Update posted at Fat Pitch Financials, saying, “A look at this investor’s performance since September 2004. Even with very few trades and lots of cash on the sidelines, this portfolio has performed well.”

TradeRadarOperator presents Use ETFs to profit in down markets as well as up markets posted at Trade Radar – Stock Market Signals and Analysis, describing the post as: “My first attempt at some serious commentary.”

Leon Gettler presents How does Google stop turning evil? Pick a partner! posted at Sox First, saying, “Google’s extraordinary rise has continued with the company’s shares recently rocketing past $500, just two year after it floated at $85. So how does a company that size stop turning evil? The formula: pick partners so they grow rich along with Google.”

Dan Harris presents China’s “Hottest” Companies posted at China Law Blog.

Tracy Coenen presents Enron shareholders’ suit dismissed and plaintiffs order to pay attorneys’ fees posted at FRAUDfiles.

Brandon Peele presents The RealChange Sustainability Expedition posted at GT.

DC presents Are we on the same (Yellow) Page? posted at Margin of Safety, saying, “An analysis of Yellow Pages, a Singapore listed stock which has a substantial shareholder in Martin Whitman’s Third Avenue”

Bryan C. Fleming presents Money In The Bank posted at Bryan C. Fleming.

Steve Faber presents Time to Rebalance Your Portfolio? posted at DebtBlog.

TJP presents The Secret of Reinvesting Your Dividends posted at Investor Trip, saying, “DRIP accounts are wonderful tools for exploding your investment gains.”

H.S. Ayoub presents Investing in the Growing Dental Industry posted at BioHealth Investor.

John Bethel presents Tracking Money Managers posted at Controlled Greed.com.

Trent presents Landstar cuts profit forecast – Stock Market Beat – Our beat is the stock market. Our job is to beat it. posted at Stock Market Beat.

That’s it for this edition. The next edition will be hosted at SINletter. Check the Festival of Stocks home for past editions.

Hey, welcome to the Carnival of Investing hosted right here at Endless Gibberish!

I’ve decided that the fairest way is to list each submission chronologically in order of when they were received. Let’s get to it… !

Starting off, Long or Short Capital has a humorous tidbit on Four Simple Steps to Becoming a Billionaire.

If you’re considering getting in on the Japanese real estate market. Adventures in Money Making talks about getting in investing in Japanese real estate with REITs.

If you’re going to invest in anything, you should always outline all the potential risks in addition to the potential upsides. That’s why Enough Wealth explains the types of investment risks out there.

Your savings account giving you paltry interest? Well, there are better options. This is also advice I give everyone on the issue of getting the most from a savings account from How Do People Get Rich? blog.

I love reading other people’s investment strategies. Personally I think you can learn a lot from people like FMF of Free Money Finance, here’s his submission detailing what he invests in.

Having difficulty choosing whether a a tax-free yield is more beneficial? AllFinancialMatters will help you find out how to calculate tax equivalent yields.

Want to rent your stocks for extra profits? MillionDollarCountDown talks about covered calls.

Investor Trip discusses two of my favorite discount brokers in “best discount brokerage firms in the biz”.

Searchlight Crusade discusses the pitfalls of investing exclusively in real estate. He doesn’t think it’s a bad idea to invest in real estate, but it’s good to have diversity, and I agree with him.

Check out an index fund valuation matrix at The Real Returns.

Abnormal Returns discusses the performance and publicity of hedge funds.

Queercents explains why they love their “granny flat”.

If you’re in college and don’t have much money, Blueprint for Financial Prosperity suggests you try paper investing.

On the topic of lending, Mighty Bargain Hunter discusses the wisdom of Prosper crowds.

My 1st Million At 33 discusses future trends and what Moore’s Law is doing for consumers.

Nubricks talks about real estate investing in other countries and how Joe Calzaghe makes the right move abroad to Apollon Holiday Village.

Fivecentnickel.com discusses opening a Vanguard SEP-IRA and Executing a direct rollover.

I swear I was going to do a post on this but I guess My Money Path beat me too it. This one is about how compounding interest works both ways(negative and positive) and how to turn $100,000 into $98,361 in six years!

Lazy Man and Money discusses his alternative income streams plans and progress.

That’s it for this edition of the carnival. I hope you found these posts as entertaining and as informative as I did. If you want more reading material you can check last week’s edition at
Gold Stock Bull. For all past editions and list of future carnival hosts, check the Carnival of Investing home.