Plus, you gain more exposure, too! And that’s really why you’re here. To be heard (or read, as the case may be).

Christopher B Williams presents Getting the Bait on Good Home Loan Terms Despite Bad Credit Score posted at The Real Loan Solution.

Barry presents Tips To Curb Impulse Buying posted at Associate Money.

Lee McCoy presents Opportunity.com Review posted at The Secret Affiliate Society, saying, “Opportunity.com Review by a user of the system”

Chris McClelland presents 10 Reasons Your Bank Never Wanted You to Read This posted at Lucrative Investing.

Ted presents Saving Money: 50 Tips for College Students posted at CampusGrotto.

John Russell presents No-Fault Auto Insurance Basics posted at The Low Cost Auto Insurance Guru, saying, “If you live in a state with no-fault auto insurance, you need to understand what it does and doesn’t do.”

Dr. Alan Singer presents When Mom is on Your Daycare Payroll by Dr. Alan Singer posted at FamilyThinking.com, saying, “Imagine the effect of paying your Mom to be your live-in Nanny for your twin girls like Dave and Kelly did. There is a lesson for kids, in that it’s better care (for the same money) to have Nanna look after you both than to drop you at a Day Care center each day.”

I can totally relate to this one. We’re in the process of choosing (again!) another day care center. We want our children (almost 2 and almost 4) to get the socialization and structured (somewhat) learning that a “pre-K” school offers, but man o man, none of them are close to ideal.

Chris McClelland presents The Best Places in America to Starve posted at Lucrative Investing.

Chris McClelland presents College graduation: A diploma in one hand and a mountain of debt ahead. posted at Lucrative Investing.

While an education is a great differentiator, it’s not worth going into debt. Financial aide, scholarships, and very low-interest loans (as a last resort) are all viable means of funding a college education. Consider community colleges for a couple of years and finishing off at a state college or university. Live and eat at home. Commute.

Chris McClelland presents The Most Financially Productive Areas to Live posted at Lucrative Investing.

Chris McClelland presents Income Streams for Life posted at Lucrative Investing.

Chris McClelland presents Signs a Stock is Going to Fall posted at Lucrative Investing.

Chris McClelland presents Can 18 wheelers be a sign of the economy? posted at Lucrative Investing.

KCLau presents The Most Common Habit of Rich People posted at KCLau’s Money Tips, saying, “About the common habits of the rich`”

jim presents How to Save on Primary Education posted at Blueprint for Financial Prosperity.

Dan at Everydayfinance presents New Discover Current Card – Like Spying on Your Kids? posted at Everyday Finance, saying, “A new card out there allows parents to track their kids’ every move. This has mixed implications to consider.”

Donald Latumahina presents How to Make More Money posted at Life Optimizer.

Jack Schmidt presents How to Know When You Need A Vacation posted at SectorMatic Money Journal, saying, “Personal Finance – Everything for the Big Spender on a Budget. Now you can live like a fat cat, even if you’re on a money diet. Laugh all the way to the bank with Jack Schmidt and SectorMatic. It’s for you!”

Bank Champ presents GMAC Bank Becomes Ally Bank posted at Bank Champ.

Patrick @ Cash Money Life presents Baby Coupons, Free Samples, and Discounts posted at Cash Money Life, saying, “Discounts, freebies, and coupons for baby items – including magazine subscriptions, diaper coupons, and more!”

Silicon Valley Blogger presents TradeKing Review: How Does TradeKing Measure Up? posted at The Digerati Life, saying, “Where should you open a new investment account for your child? I would suggest this brokerage because it has a wealth of investment materials and free tools that you can use once you sign up. It provides an awesome resource for budding investors to learn from!”

I agree. TradeKing is simply awesome. Very low cost, good tools, great resources…

Ryan Suenaga presents Finding Three Dollars posted at Uncommon Cents.

nickel presents The Worst 529 Plans – 2009 Edition posted at fivecentnickel.com.

The Smarter Wallet presents Kids and Money: Answering Your Children’s Money Questions posted at The Smarter Wallet, saying, “Thanks!”

freesoftware presents List of Best Free Software for New Computer posted at I Love Free Software, saying, “Here is a nice way to save some money in this economy – get all the software for free. This is the list of the best free software that you can install on your new computer. We searched all over the web, and compiled this list of best free software. Each one of these is best in its class, and still totally free. You are going to love these!”

Brian McKay presents Teen Drivers Are Hitting The Road posted at MonitorBankRates.com, saying, “In this country, cars kill more teenagers than cancer, gang violence, suicide, or drugs and alcohol. Hard to believe?”

Nope, not hard to believe at all. No doubt you, like me, know quite a few families devastated by this fact. Drinking and driving too fast are most often the culprits.

costseg presents cost segregation form 3115 | Society of Cost Segregation Audit Techniques Guide posted at Cost Segregation Audit Techniques Guide, saying, “read about form 3115 that is used in filling out segregation audits that are lately more and more popular on real estate market”

endowments presents Endowment Life Insurance Policy posted at Endowment Policy, saying, “What is endowment policy surrender value and how to make use of it to earn more money.”

Don presents Teaching Kids to Save, Start Early posted at Corvus Financial News Wire, saying, “I only wish someone would have taught me this habit”

No kidding! But you’re doing your part here. Let’s keep on passing along the “I wish I had known…” advice!

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

Technorati tags: kids and money, blog carnival.

Kids & Money

Welcome to the April 22, 2009 edition of Kids and Money.

mortgager presents Second Hand Endowment Policies posted at Endowment Policy, saying, “Read on how to act with second hand endowments easily during crisis.”

Talia presents Bitty Budget | backtobasics-talia.com posted at backtobasics-talia.com.

David presents Checking Accounts posted at Personal Finance Ology, saying, “Learn about the different types of checking accounts and how to keep more of your money!”

Nate Desmond presents Giveaway: Free TurboTax Online Premier Tax E-Filing posted at Debt-free Scholar.

Bank Champ presents Bank Promotions Are Taxed posted at Bank Champ.

John Russell presents 14 Auto Insurance Secrets posted at The Low Cost Auto Insurance Guru.

KCLau presents 5 Ways To Take Charge Of Our Finances posted at KCLau’s Money Tips, saying, “Are we doing the right things when it comes to managing our finances? Ask yourself five questions to know if you’re on the right track.”

Frank Vertin presents Just Buy Index Funds Directly posted at NO LOAD INDEX FUND, saying, “Buying an S&P 500 index fund through an investment counselor can substantially increase your initial purchasing costs and and drive up your annual management expense fees. Unfortunately, the vast majority of individual investors buy mutual funds and ETFs through brokers and investment advisers. Rarely do financial advisors recommend that you buy index funds with low fees. This is because low cost, no load mutual funds do not pay them as well as loaded, high fee mutual funds.”

Larry Russell presents Most Individual Investors Are Poor Personal Portfolio Managers | Personal Investment Management posted at THE SKILLED INVESTOR Blog, saying, “Young investors should learn early about investment efficiency, and they will then know more than most of their parents do about wise investing. Investors more easily understand investment costs that are directly measurable, such as fees deducted on investment statements. However, many investors ignore or are unaware of the opportunity costs of their sub-optimal investment behaviors. Opportunity costs are usually much more difficult to measure directly, but these investment costs can be even higher than more visible investment fees.”

Walter W. Fouse presents 7 Ways to Pick the Best Noload Mutual Funds and ETFs posted at Best No Load Funds, saying, “The vast body of investment research studies show that there really are better approaches to buying and owning mutual funds and ETFs. You do not need to frantically chase fund performance. Performance chasing simply does not work.”

Ben Jenkins presents Graduating From College posted at Self-Destruction in NYC.

Richard M. Rothschild presents The Top 14 Low Cost Taxable United States Bond Mutual Funds (Low Minimum Deposit) posted at Bond Market Index Funds, saying, “The top 14 low cost taxable US fixed income funds with a $10,000 or lower initial deposit. Low investment management fees are very important with fixed income funds. Simply put, if you pay higher bond mutual fund fees, then these bond management expenses tend just to be a deadweight loss to you. When you pay more in bond mutual fund fees, you are just wasting your money.”

Ralph Jean-Paul presents Building Self-Discipline posted at Potential 2 Success, saying, “The most disciplined business people are usually the most organized, efficient and successful. They are also the people that make the most money. Learn to build self-discipline in your personal and professional life and see the difference it will make.”

Big Cajun Man presents Canadian Personal Finance Blog » Blog Archive » Advice for New Grads? posted at Canadian Personal Finance Blog, saying, “When your kids do finally graduate from college, make sure they keep this in mind.”

Mike Pastore presents Thinking of saving money for your childs college education? IRA or 529a plan? | Mikes Millions.com posted at Mikes Millions.com.

Jeff Rose presents 10 Questions About College Savings Plans posted at Jeff Rose.

jim presents Best Student Credit Cards posted at Blueprint for Financial Prosperity.

Buck Weber presents Search for Scholarships posted at THE BUCK LIST, saying, “It’s that time of the year again for high school seniors. Testing for the ACT & SAT, filling out the FAFSA, gathering and sending transcripts, college applications and letters of recommendation are all part of the annual hectic last few months of the high school experience.”

Barry presents Buying Groceries From Auctions posted at Associate Money.

Madison presents Summer Jobs for Kids – Ideas for Summer Jobs for Kids posted at Kids and Money.

Verna Morris presents Five Experts Agree: You Need a TIPS ETF In Your Retirement Portfolio posted at ETFdb.

One Family presents Swagbucks – A Frugal Take posted at One Family’s Blog, saying, “A review of SwagBucks, a search engine that promises rewards for doing searches.”

KCLau presents Learning to be Happy with Less posted at KCLau’s Money Tips, saying, “How u can be happy with less material things”

Jim DeSantis presents 3 Reasons That Can Cause Your Family Budget To Fail posted at Free Family Budgeting eBook from On Line Tribune, saying, “Money is the only tool you have to secure your future and the future of your family and to live a good life today. Unless you get spending under control and start treating your household like the goldmine it really is, you are destined to struggle financially for the rest of your life.”

Jeremy Ulmer presents How To Cold Call Effectively: What To Say First posted at Sales Coaching | Business Coaching | Life Coaching, saying, “never too early for kids to start learning some of these skills…to make money…”

Clair Schwan presents Money Management – Making and Retaining Wealth posted at Frugal Living Freedom, saying, “This article provides an overview of basic money management concepts with an eye toward accumulating wealth by being more responsible with it.”

FIRE Getters presents What is the Rule of 72? posted at FIRE Finance.

Get800today presents Why Not Use Toll Free at Home? posted at Get800today.com.

Patrick @ Cash Money Life presents How Much Life Insurance Do You Need? posted at Cash Money Life, saying, “This is a question everyone should ask themselves – particularly if they have a family that relies upon their income.”

Silicon Valley Blogger presents Zecco vs TradeKing: Which Online Stock Brokerage Account To Choose? posted at The Digerati Life, saying, “Help your kids invest early by opening their first account with a solid online broker.”

Finance Tips 101 presents Scholarships Come In All Shapes And Sizes posted at Finance Tips 101.

The Smarter Wallet presents Can Your Kid Develop A Gambling Problem? posted at The Smarter Wallet, saying, “Thanks!”

Summer Munyon presents How To Find The Bottom Of The Real Estate Market posted at Tallahassee Real Estate Blog, saying, “If you want to know the beginning of the next phase of the market turn, just keep an eye on the green line in the graph below. You can visit this graph (updated twice per week) at The Market Bulletin.”

hall monitor presents Two Colts Neck High School students accused of counterfeiting money posted at DetentionSlip.org, saying, “To be filed in the “What NOT to do” column.”

Deposit Accounts presents Keep More of Your Money: Tips for Better Banking posted at Deposit Accounts.

MatthewPaulson presents Money Management Principles for Children posted at Fine-Tuned Finances.

Madison presents Frugal Ideas for Prom Season posted at Kids and Money.

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

Technorati tags: kids and money, blog carnival.

Husni presents The Best Online Payment System posted at Online Payment System, saying, “Last night somebody introduced me to one of the best online payment systems. Why do I say that it is one of the best?

1. It is integrated with some of the best payment gateways like Paypal, 2CheckOut, GoogleCheckout.
2. It is secured. You don’t have to worry about people hacking your website and people stealing your digital product.”

Sean Kelly presents Daytrading Offers Unlimited Income Potential posted at Become a Day Trader, saying, “Many people want to know the income potential in day trading.”

Sean Kelly presents Trade For A Living? Tell Us Your Story posted at Trade for a Living Blog, saying, “If you trade for a living, and would like to tell your story, please do.”

Kumquat presents Easily Create, Send and Track Email Newsletters, Surveys, and Autoresponders posted at Kumquat Komputers, saying, “Thank you for reading this”

various presents Endowment Policy Info Blog – Websites on Endowment Policy posted at Endowment Policy Info, saying, “Want to know more about endowments and low rate mortgages? Check this list of articles.”

kasia presents Endowment Life Insurance Policy – Sell Endowments posted at Endowment Policy, saying, “How and when to sell endowment policies”

endowments presents Endowment Life Insurance Policy UK Traded Endowments posted at Endowment Policy, saying, “How to use traded endowments and earn on them ?”

ishanbansal presents 25 Tips to Save Money on Vacation posted at Save Few Bucks, saying, “Practical Tips to save money on vacation. Thanks for taking out time to review this.”

Jody T Fransch presents Tips to Managing Student Finances posted at jody fransch.

Scott presents Mini Crib Bedding | Baby Cribs and Baby Room Decor posted at Mini Crib Bedding, saying, “Mini cribs are the latest craze in baby bedding. The small portable cribs are perfect for first time parents and parents that are on the go. Most mini cribs are small enough to fit in any room are beside mom and dad’s bed so they can keep and eye on there new born.”

various presents NATIONAL ENDOWMENT FOR ARTS posted at Endowment Policy, saying, “NEA aka National Endomwnet For Arts. How and why does it still work good during financial crysis”

Finance Tips 101 presents Personal Grants To Pay Off Debt posted at Finance Tips 101.

KCLau presents Save money the stupid way posted at KCLau’s Money Tips, saying, “Simple ways to save money”

Concerning Kids presents Tips For Parents Of Picky Eaters | Concerning Kids posted at Concerning Kids.

Finance Tips 101 presents Discover How To Pay Off Debt posted at Finance Tips 101.

Pregnancy Hut presents Bringing Home Baby – Preparing for Your First Few Days as a New Mom posted at Pregnancy Calendar, saying, “When you are expecting, you will likely spend so much time preparing for your delivery that you forget to plan for the first few days at home.”

jim presents Best Student Credit Cards posted at Blueprint for Financial Prosperity.

Barry presents Letting Kids Earn Their Allowances posted at Associate Money.

Y Niz presents Ways For Teens to Make Money Online, saying, “What ways are there for teens to make money online? Teenagers are always on lookout to make some money.there are plenty of ways for teens to make money online. Here are some quick ways for teens to make money online.”

nickel presents Save on Healthcare: Cheap Immunizations at the Health Department posted at fivecentnickel.com.

Pregnancy Hut presents How to Exercise Safely During Your Pregnancy posted at Pregnancy Calendar, saying, “Some ideas for exercising safely during pregnancy.”

Magicpollux presents Increase Your Income Can Be Fun With Paid Surveys posted at Paid Surveys From Home Blog.

Mark Montgomery presents New Student Loans Require Payments While in School posted at Great College Advice.

Mr. Wizard presents Can Old Dusty Books Make You Filthy Rich? posted at The Work From Home Wizard, saying, “Dave Robus”

Mr. Wizard presents How One Georgia Mom Makes $154,819.96 A Year posted at The Work From Home Wizard, saying, “Jennifer (a.k.a. PotPieGirl) has put together what seems to be an unbelievable One Week Marketing package! When Jennifer told her husband she was going to start making money online, he thought she was a few french fries short of a Happy Meal.Jennifer had no previous experience with Internet Marketing and she used post it notes to keep track of everything she was doing, hoping she might figure out the confusing Internet Marketing puzzle.Through trial and error Jennifer finally figured out a way to make money online and now she is sharing that knowledge with the whole world!”

I only put this here because it may prompt you to do something about your particular financial situation.

mike lesaux presents All Free Downloads – Is A Work At Home Business Opportunity The Right Thing For You To Do? posted at all-free-downloads.

Jim DeSantis presents Free eBook – Credit Rescue! posted at Emotions and Credit at On Line Tribune, saying, “How emotions impact credit is a subject that few people think about but more and more therapists are talking about. As a Pastoral Counselor I have long known that there is a powerful link between our emotions and our money. We may think that money is all about our rational selves but, in fact, our emotions very much determine our financial decisions.”

Credit Answers presents Recent Grads Face Bleak Economy – Credit Answers Article posted at Credit Answers.

retirehappy presents How To Buy Annuities posted at My Retirement Blog.

John Russell presents Gap Insurance – Should You get It? posted at The Low Cost Auto Insurance Guru, saying, “Gap insurance is an additional insurance policy that is usually tacked on to your monthly lease payment or (finance payment if you are financing your car). Usually you don”

Pinyo presents New York’s 529 College Savings Program Adds International Fund To The Direct Plan posted at Moolanomy.

Silicon Valley Blogger presents HSBC Direct Online Savings Account Review: With Free ATM Bank Card posted at The Digerati Life, saying, “Open your child’s first bank account in one of the best online banks out there right now. Your kids can learn how to manage their money using some of the great tools offered by HSBC.”

ErinatPlinkPlink presents 5 Steps to Cutting Costs of your New-Baby Essentials posted at PlinkPlink: Moms Talking About Money.

The Smarter Wallet presents Investing In The Stock Market? Rules To Help You Sleep At Night posted at The Smarter Wallet, saying, “Teach your kids how to invest in the stock market.”

Heidi presents Little People Wealth: Diapers Under $5/Pack! BumGenius & Fuzzi Bunz $11.45/diaper! posted at Little People Wealth, saying, “Saving money on diapers ”

Credit Shout presents Best Buy Credit Card Review posted at CreditShout.

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

Technorati tags: kids and money, blog carnival.