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	<title>Money Hacks &#187; Multiply</title>
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	<description>Helping you earn, spend, save, preserve, invest, and multiply your money</description>
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		<title>World Has New Richest Man</title>
		<link>http://money-hacks.com/3009/richest-man-2010/</link>
		<comments>http://money-hacks.com/3009/richest-man-2010/#comments</comments>
		<pubDate>Thu, 11 Mar 2010 21:40:38 +0000</pubDate>
		<dc:creator>billspaced</dc:creator>
				<category><![CDATA[Multiply]]></category>
		<category><![CDATA[Bill Gates]]></category>
		<category><![CDATA[richest man]]></category>
		<category><![CDATA[Slim Helu]]></category>
		<category><![CDATA[Warren Buffett]]></category>
		<category><![CDATA[wealth]]></category>

		<guid isPermaLink="false">http://www.money-hacks.com/3009/richest-man-2010/</guid>
		<description><![CDATA[worlds-billionaires-2010: Personal Finance News from Yahoo! Finance Riding surging prices of his various telecom holdings, including giant mobile outfit America Movil (AMX), Mexican tycoon Carlos Slim Helu has beaten out Americans Bill Gates and Warren Buffett to become the wealthiest &#8230; <a href="http://money-hacks.com/3009/richest-man-2010/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
			<content:encoded><![CDATA[<p><a href="http://finance.yahoo.com/career-work/article/109029/worlds-billionaires-2010">worlds-billionaires-2010: Personal Finance News from Yahoo! Finance</a><br />
<blockquote>Riding surging prices of his various telecom holdings, including giant mobile outfit America Movil (AMX), Mexican tycoon Carlos Slim Helu has beaten out Americans Bill Gates and Warren Buffett to become the wealthiest person on earth and nab the top spot on the 2010 Forbes list of the World&#8217;s Billionaires.</p>
<p>Slim&#8217;s fortune has swelled to an estimated $53.5 billion, up <i>$18.5 billion in 12 months</i>. Shares of America Movil, of which Slim owns a $23 billion stake, were up 35% in a year.</p>
<p>That massive hoard of scratch puts him ahead of Microsoft (MSFT) cofounder Bill Gates, who had held the title of world&#8217;s richest 14 of the past 15 years.</p></blockquote>
<p>That&#8217;s some run-up in share price! If I were him, I&#8217;d liquidate it all and buy Baja timeshares!</p>
<p>Technorati Tags: <a class="performancingtags" href="http://technorati.com/tag/richest%20man" rel="tag">richest man</a>, <a class="performancingtags" href="http://technorati.com/tag/wealth" rel="tag">wealth</a>, <a class="performancingtags" href="http://technorati.com/tag/Slim%20Helu" rel="tag">Slim Helu</a>, <a class="performancingtags" href="http://technorati.com/tag/Bill%20Gates" rel="tag">Bill Gates</a>, <a class="performancingtags" href="http://technorati.com/tag/Warren%20Buffett" rel="tag">Warren Buffett</a></p>
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		<title>New Money Hacks Store</title>
		<link>http://money-hacks.com/2845/new-money-hacks-store/</link>
		<comments>http://money-hacks.com/2845/new-money-hacks-store/#comments</comments>
		<pubDate>Sun, 20 Dec 2009 18:09:52 +0000</pubDate>
		<dc:creator>billspaced</dc:creator>
				<category><![CDATA[credit]]></category>
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		<category><![CDATA[Amazon]]></category>
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		<guid isPermaLink="false">http://money-hacks.com/?p=2845</guid>
		<description><![CDATA[I just added a new store to the Money Hacks site. I know, I&#39;m a little late to the party, but that&#39;s my MO! It&#39;s hosted by Amazon and it&#39;s filled with hundreds of personal finance books from authors like &#8230; <a href="http://money-hacks.com/2845/new-money-hacks-store/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
			<content:encoded><![CDATA[<p>I just added a <a href="http://money-hacks.com/store">new store to the Money Hacks</a> site. I know, I&#39;m a little late to the party, but that&#39;s my MO! <img src='http://money-hacks.com/wp-includes/images/smilies/icon_smile.gif' alt=':)' class='wp-smiley' /> </p>
<p>It&#39;s hosted by Amazon and it&#39;s filled with hundreds of personal finance books from authors like Jim Cramer, Andrew Tobias, George Soros, Peter Lynch, and Jim Rogers.</p>
<p>Check it out. There&#39;s still time to order before Christmas (I can say that, right)!</p>
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		<title>The Easy Way to Wealth</title>
		<link>http://money-hacks.com/2417/the-easy-way-to-wealth/</link>
		<comments>http://money-hacks.com/2417/the-easy-way-to-wealth/#comments</comments>
		<pubDate>Fri, 25 Sep 2009 18:57:20 +0000</pubDate>
		<dc:creator>billspaced</dc:creator>
				<category><![CDATA[Earn]]></category>
		<category><![CDATA[Economy]]></category>
		<category><![CDATA[Multiply]]></category>

		<guid isPermaLink="false">http://www.money-hacks.com/2009/09/the-easy-way-to-wealth.html</guid>
		<description><![CDATA[A New York man is suing Bank of America for $1,784,000,000,000,000,000,000,000 (I think that&#8217;s right). If only they had that much. Reminds me of the old quote from the infamous Willie Sutton, bank robber: Why do you rob banks?Because that&#8217;s &#8230; <a href="http://money-hacks.com/2417/the-easy-way-to-wealth/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
			<content:encoded><![CDATA[<p>A New York man is suing Bank of America for $1,784,000,000,000,000,000,000,000 (I think that&#8217;s right).</p>
<p>If only they had that much. Reminds me of the old quote from the infamous Willie Sutton, bank robber:<br />
<blockquote>Why do you rob banks?<br />Because that&#8217;s where the money is!</p></blockquote>
<p><a href="http://www.reuters.com/article/email/idCNN2446846220090925">Man sues BofA for &#8217;1,784 billion, trillion dollars&#8217; | Reuters</a><br />
<blockquote></blockquote>
<p>
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		<title>I&#8217;m Back&#8230;Well, Sort of</title>
		<link>http://money-hacks.com/2330/im-back-well-sort-of/</link>
		<comments>http://money-hacks.com/2330/im-back-well-sort-of/#comments</comments>
		<pubDate>Wed, 09 Sep 2009 15:42:43 +0000</pubDate>
		<dc:creator>billspaced</dc:creator>
				<category><![CDATA[Earn]]></category>
		<category><![CDATA[Economy]]></category>
		<category><![CDATA[Kids and Money]]></category>
		<category><![CDATA[Multiply]]></category>
		<category><![CDATA[Ashland]]></category>
		<category><![CDATA[employment]]></category>
		<category><![CDATA[job]]></category>
		<category><![CDATA[MMO]]></category>
		<category><![CDATA[Oregon]]></category>
		<category><![CDATA[Portland]]></category>
		<category><![CDATA[Shakespeare Festival]]></category>
		<category><![CDATA[summer vacation]]></category>
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		<guid isPermaLink="false">http://www.money-hacks.com/?p=2330</guid>
		<description><![CDATA[I want to start off this post by saying that I&#8217;m sorry I haven&#8217;t posted in quite some time. You see, at the end of July, July 31 to be exact, I was laid off. I knew it was coming &#8230; <a href="http://money-hacks.com/2330/im-back-well-sort-of/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
			<content:encoded><![CDATA[<p>I want to start off this post by saying that I&#8217;m sorry I haven&#8217;t posted in quite some time.</p>
<p>You see, at the end of July, July 31 to be exact, I was laid off. I knew it was coming as it was part of the transition plan to acquire Washington Mutual by JP Morgan Chase.</p>
<p>So what have I been up to the past few months? At the beginning of August, I took the family on a long vacation (3 weeks) up through Oregon, then west to the Oregon coast, and back down. We stayed at a large ranch, visited Ashland (the Shakespeare Festival), saw my cousins in Junction City near Eugene, then we stayed 5 days in Portland.</p>
<p>Portland is a beautiful city. We took bike rides (that first mile up the trail in Forest Park is a killer, what with me towing a double-wide Chariot bike trailer loaded with my two boys), went to the Children&#8217;s Museum and the Portland Zoo, visited Powell&#8217;s (a killer bookstore).</p>
<p>Then we went to Astoria (nice coastal city) and stayed a few days. Then we went south, through Gold Beach (the 25 miles south of Gold Beach is the most spectacular coastline I&#8217;ve ever seen and I live in California), and many coastal towns between there and my home.</p>
<p>We had a wonderful time.</p>
<p>I am in no mood to look for more work, either. I kind of like staying home. But for now, that&#8217;s a big dream I have. October might be the month where I get really serious about a job. I will be looking in the Portland and Seattle areas, though &#8212; that&#8217;s for sure. Places like REI, Columbia, Yakima, Nike, and a few others come to mind as places I&#8217;ll target to find gainful employment.</p>
<p>I&#8217;ve let the blog carnivals slip. I kind of dread sifting through all the posts because there&#8217;s got to be a ton of them. I most likely will break them up into 5 or 10 bit chunks, just to manage them better and give each post more attention. Sound good?</p>
<p>In the meantime, I&#8217;ve got a ton of stuff to do around the house. I&#8217;ve reorganized the office closet and have eliminated a lot of clutter (but there&#8217;s a lot more). We&#8217;re going to be redoing the front patio with tile. We&#8217;ll also being laying down some more sod in the front and back yards.</p>
<p>Plus, we&#8217;ve got our back yard landscaping plans back. I haven&#8217;t even looked at them yet. This is one project where I&#8217;ll have to really think about how to chunk it up into much smaller pieces because if I tackle it all together, I will literally kill myself!</p>
<p>Also on my list of to-dos is to install (or have installed) a door in the office that leads to the new back yard.</p>
<p>Boy, have I got a lot of work to do!</p>
<p>I don&#8217;t have time to look for a job.</p>
<p>Meanwhile, I am still laying the foundation for my eventual exit from the corporate world. I have redesigned a lot of my sites and hopefully will be able to put a lot of them on semi-autopilot (I have tried &#8220;autoblogging&#8221; software and I just really don&#8217;t like the outcome on anything other than a news blog), so I&#8217;ll be posting a lot to my sites:</p>
<ul>
<li><a title="Muscle-Build.com" href="http://www.Muscle-Build.com" target="_blank">Muscle-Build.com</a> and <a title="Muscle-Build.com blog" href="http://blog.muscle-build.com" target="_blank">here</a></li>
<li><a title="Affiliate Central (Muscle-Build.com)" href="http://affiliates.muscle-build.com" target="_blank">Affiliate Central</a></li>
<li><a title="Internet Marketing Muscle" href="http://www.# Internet-Marketing-Muscle.com" target="_blank">Internet-Marketing-Muscle.com</a></li>
<li><a title="Hardgainer's Manifesto" href="http://www.hard-gainers-manifesto.com" target="_blank">Hardgainer&#8217;s Manifesto</a> and <a title="Hardgainer's Manifesto blog" href="http://www.hard-gainers-manifesto.com/blog" target="_blank">here</a></li>
</ul>
<p><a title="Computer Monkeys" href="http://www.computermonkeys.com" target="_blank">Computer Monkeys</a> will get a redesign, too (at least the blog will) as well as a lot more posts added.</p>
<p><a title="Photo-dodo.com" href="http://www.photo-dodo.com" target="_blank">Photo-dodo</a> is on hiatus. I love photography and took a ton of photos while on vacation, but I just don&#8217;t foresee finding the time to devote to the site.</p>
<p>That&#8217;s it for now. I hope to make some contributions to this site in the very near future.</p>
<p>By the way, if anybody wants to guest-post, I&#8217;m all ears! <img src='http://money-hacks.com/wp-includes/images/smilies/icon_smile.gif' alt=':)' class='wp-smiley' /> </p>
<p>Leave me a comment if you want to make a guest post or two about personal finance (please, no topics other than PF).</p>
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		<title>Wealth-Building Wednesday &#8212; June 30, 2009</title>
		<link>http://money-hacks.com/982/wealth-building-wednesday-june-30-2009/</link>
		<comments>http://money-hacks.com/982/wealth-building-wednesday-june-30-2009/#comments</comments>
		<pubDate>Wed, 01 Jul 2009 07:01:47 +0000</pubDate>
		<dc:creator>billspaced</dc:creator>
				<category><![CDATA[Multiply]]></category>
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		<guid isPermaLink="false">http://www.money-hacks.com/?p=982</guid>
		<description><![CDATA[Last week, we talked about getting the proper mindset for building wealth. As you may recall, you can have everything: All the tools, money, advertising, etc. and still fail. It may be due to a mindset that isn&#8217;t quite right. &#8230; <a href="http://money-hacks.com/982/wealth-building-wednesday-june-30-2009/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
			<content:encoded><![CDATA[<p>Last week, we talked about getting the <a title="WBW" href="http://www.money-hacks.com/2009/06/wealth-building-wednesday-june-24-2009-inaugural-edition.html">proper mindset for building wealth</a>. As you may recall, you can have everything: All the tools, money, advertising, etc. and still fail. It may be due to a mindset that isn&#8217;t quite right.</p>
<p>And it doesn&#8217;t mean that you have a bad attitude. It may be that your past experiences have set your expectations for yourself too low. If you don&#8217;t aim high, you may not hit your target. The world can be your oyster. If you make it so.</p>
<p>Today, we&#8217;re going to talk about how to parlay your interests into a wealth-building activity. There are many ways to build wealth: Real estate, investing in stocks or other securities, becoming an executive in a company that grows, etc.</p>
<p>But by far, what is within reach of most of us (i.e., YOU) is starting your own business. A popular approach is to take something you really like, something with which you are really, REALLY passionate about and find an angle that makes money from it. Here are some questions to get the creative juices flowing:</p>
<ul>
<li>What are your hobbies?</li>
<li>At your current job, what are your strengths? What do people come to you for?</li>
<li>When you&#8217;re out and about, what makes you happy?</li>
<li>What are you really good at but never pursued because &#8220;life&#8221; got in the way?</li>
<li>What are your dreams?</li>
<li>If you had to name 3 of your most redeeming qualities, what would they be?</li>
<li>Do you currently own any &#8220;idle assets&#8221; that have the potential to earn an income?</li>
</ul>
<p>These are just a few questions that you could ask yourself to find out <em>what </em>kind of business you could start to begin your wealth-building empire. The <em>how </em>comes later.</p>
<p>Now, of course, there are many different methods and media in which to run your own small (no, BIG) business: Traditional &#8220;brick and mortar,&#8221; online, multi-level marketing, agent (as in Real Estate), or a service business (like running errands for the elderly or really busy). I suggest that you begin with the online aspect because the start-up costs are extremely low (in many cases, you can start a business for free), the barriers to entry are nil (online, you can look as big and BE as big as Amazon; nobody has to know you&#8217;re running your website out of your garage or spare bedroom), and the chances for success without killing yourself are pretty high.</p>
<p>Plus, virtually <em>any </em>business can be run from the web &#8212; even service businesses. Just target local consumers and you can build a thriving business in no time, selling services or products (or both &#8212; this is where you can differentiate yourself from your competition).</p>
<p>Advertising costs are low, as is setting up a database of customers and potential customers for future promotions that you might have (call them &#8220;leads&#8221; or &#8220;prospects&#8221;).</p>
<p>In short, virtually everything a business can do can be easily done online.</p>
<p>As your website grows, so too can your enterprise. Start a small website, branch out into a small office, then a second physical store, etc. The possibilities are endless!</p>
<p>One thing I&#8217;ll caution you on right now: Don&#8217;t get caught up in the technical aspects or let your fear of technology stop you from getting started. In subsequent weeks, I&#8217;ll show you how to do some of the technical stuff, but it won&#8217;t get very complicated at all. 10 years ago &#8212; even 5 years ago &#8212; you needed a lot of expertise to set up and run a successful online business. You can start one now with virtually zero technical know-how and very little money and time.</p>
<p>But I&#8217;m getting ahead of where we need to be right now.</p>
<p>So you asked yourself the questions above and arrived at a list of answers (you wrote them down, I know). Now, think like a customer: What do I want? Am I seeking information, product recommendations, or solutions to problems? How can YOU help me? Can you provide me information? Recommendations?  <em>Solutions?</em></p>
<p>If you can answer these questions, then you may well be on your way to creating a lucrative business for yourself, one that provides you the income you need and the wealth you desire.</p>
<p>Next week, we&#8217;ll brainstorm some more and define a concept for your business.</p>
<p>I am basing a lot of this introductory wealth-building information on what&#8217;s in this <a title="Action Guide" href="http://www.money-hacks.com/go/action-guide/" target="_blank">Action Guide</a>, which, by the way, you can consider the &#8220;fast-track&#8221; to this first set of WBW posts. In other words, if you don&#8217;t want to wait for each week&#8217;s posts, you can just read the whole guide and go from there.</p>
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		<title>Wealth-Building Wednesday &#8212; June 24, 2009 (Inaugural Edition)</title>
		<link>http://money-hacks.com/842/wealth-building-wednesday-june-24-2009-inaugural-edition/</link>
		<comments>http://money-hacks.com/842/wealth-building-wednesday-june-24-2009-inaugural-edition/#comments</comments>
		<pubDate>Wed, 24 Jun 2009 05:56:29 +0000</pubDate>
		<dc:creator>billspaced</dc:creator>
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		<guid isPermaLink="false">http://www.money-hacks.com/?p=842</guid>
		<description><![CDATA[Welcome to the first (of many, hopefully) Wealth-Building Wednesdays, where I try to offer you suggestions on how to build wealth. This would seem to be a departure from the many other fine personal finance blogs that devote a lot &#8230; <a href="http://money-hacks.com/842/wealth-building-wednesday-june-24-2009-inaugural-edition/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
			<content:encoded><![CDATA[<p>Welcome to the first (of many, hopefully) Wealth-Building Wednesdays, where I try to offer you suggestions on how to build wealth. This would seem to be a departure from the many other fine personal finance blogs that devote a lot of their time and space to teaching you how to save money, be more frugal, and live beneath your means.</p>
<p>I, and a few others like <a title="7 Million in 7 Years" href="http://7million7years.com/" target="_blank">7 Million in 7 Years</a>, focus, instead,  on earning beyond your living.</p>
<p>Of course, taken to extremes, both points of focus can get you in trouble. On the one hand, you will have a really unsatisfying life; on the other, you may tend to forget about controlling your expenses and find yourself no better off with a LOT more income, but also with tremendous debt and expenses and a lifestyle that you may not even want.</p>
<p>Nevertheless, we&#8217;ll concentrate here in this special feature on building wealth from the income side. After all, income potential is virtually unlimited while expense savings are finite.</p>
<p><em>Plus, it&#8217;s my site and I&#8217;ll approach this topic how I want!</em></p>
<h3>Mindset</h3>
<p>To be successful at anything, the <strong>most important </strong>thing you have to master is your mindset. Simply put,  attitude is everything. You can have all the talent in the world, tools at your ready disposable, adequate funds, and everything else, and yet, you still could fail.</p>
<p>Why?</p>
<p><strong>That&#8217;s how life works.</strong></p>
<p>Not only do you have to work smart, you have to work hard. Look at nearly anybody you deem &#8220;successful.&#8221; They all &#8220;got there&#8221; through working smart, employing experts when necessary, using appropriate tools and resources, but there&#8217;s another critical thing they mastered:</p>
<p>Hard work.</p>
<p>Perseverance. &#8220;Sticktoitiveness.&#8221; Dedication. Burning the candle at both ends. Hard work is an acquired skill that you learn by practice.</p>
<p>This hard work is your front-end payment to a potential big payoff months, years, even decades later.</p>
<p>Even &#8220;overnight sensations&#8221; worked tirelessly for years, in most cases, to &#8220;make it&#8221; overnight!</p>
<p>Now that we got that out of the way&#8230;in case you missed it, it&#8217;s not good enough to work smart or hard. You have to work <strong>smart and hard.</strong></p>
<p>Here&#8217;s a link to a <a title="MindMap to Riches" href="http://www.money-hacks.com/go/mindmaptoriches/" target="_blank">book that might change the way you look at things</a>. It&#8217;s called <a title="MindMap to Riches" href="http://www.money-hacks.com/go/mindmaptoriches/" target="_blank">MindMap to Riches</a>. It&#8217;s all about what I&#8217;m talking about here; it&#8217;s just a lot more detailed and lengthy in its description. By no means can I cover the <strong>how to</strong> part of creating a <strong>positive mindset</strong> in this relatively short post.</p>
<p>Suffice it to say it&#8217;s passion, hard work, being smart, making a plan, acting on the plan, and making corrections all along the way. Leave a component out and you may not make much progress, but put them all together and you&#8217;ve got a winning combination.</p>
<p>Only YOU can determine what success is. We&#8217;ve limited our scope here to say that success, in this context, is increasing your wealth.</p>
<p>What is wealth? From a personal finance perspective, it&#8217;s pretty simple:</p>
<p style="text-align: center;">Assets &#8211; Liabilities = Net Worth<br />
(aka, &#8220;wealth&#8221;)</p>
<p style="text-align: left;">The key to increasing wealth is limiting your liabilities to a manageable level while increasing your <em>income-producing assets. </em>As long as you can do that, you&#8217;re well on your way to amassing great wealth.</p>
<p style="text-align: left;">The pillars of a wealth-building system that we&#8217;ve described here are usually hard assets like your house, cars, precious metals, plus paper such as cash, money in the bank, stocks, and bonds. A vital component is a wealth-preservation instrument like liability and life insurance in case life throws you a knuckleball.</p>
<p style="text-align: left;">But the most valuable asset in your portfolio is YOU. You should think of yourself as an income-producing asset, striving always to become more productive through continuing education and training of the mind, body, and soul.</p>
<p style="text-align: left;">You are the ONLY one you can truly count on. Gone are the days of working for a company for 30 years, collecting your going-away gold watch and a nice little pension. Especially in light of the current state of the economy, you can be sure those days are gone &#8212; if not forever &#8212; for a very long time indeed.</p>
<p style="text-align: left;">If you&#8217;ve been here before, you know that I am a firm believer in running your own business. It&#8217;s difficult, but the rewards are usually worth it. The greatest benefit to me, however, is the idea that I am not relying on anybody else for gainful employment.</p>
<p style="text-align: center;">If I want more money, I go out and get it</p>
<p style="text-align: left;">I am not limited by my boss or a 40-hour workweek.</p>
<p style="text-align: left;">However, I know jumping ship on your career, no matter how tenuous the concept is nowadays, is not feasible for most people. This is where the smart work comes in. Keep your &#8220;day job&#8221; and do all your &#8220;own&#8221; business after hours. Of course, staying up late at night eventually becomes hard work, but you have to devise a plan to manage your time and health.</p>
<p style="text-align: left;">There are too many opportunities to mention that have potential for solid earnings. Private Label Rights publishing, ecommerce sites, ringtones, affiiate marketing, credit counseling and/or debt management companies &#8212; all of these have HUGE potential. Probably always will.</p>
<p style="text-align: left;">We&#8217;ll tackle some of these methods later in the series. For now, just find out what you can about setting your mental ship afloat. Determine what you&#8217;re good at, what interests you, what you&#8217;re <em>passionate </em>about! Get your head on straight and set yourself up for success!</p>
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		<title>Kids and Money &#8211; May 10, 2009</title>
		<link>http://money-hacks.com/799/kids-and-money-may-10-2009/</link>
		<comments>http://money-hacks.com/799/kids-and-money-may-10-2009/#comments</comments>
		<pubDate>Sun, 10 May 2009 11:26:28 +0000</pubDate>
		<dc:creator>billspaced</dc:creator>
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		<description><![CDATA[Welcome to the May 6, 2009 edition of kids and money. Lazy Man and Money presents Save Money at Baseball Games posted at Lazy Man and Money. The Smarter Wallet presents Amazon Kindle Review: Electronic Book Reader Pros and Cons &#8230; <a href="http://money-hacks.com/799/kids-and-money-may-10-2009/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
			<content:encoded><![CDATA[<p>Welcome to the May 6, 2009 edition of kids and money.</p>
<p><strong>Lazy Man and Money</strong> presents <a href="http://www.lazymanandmoney.com/save-money-at-baseball-games/">Save Money at Baseball Games</a> posted at <a href="http://www.lazymanandmoney.com/">Lazy Man and Money</a>.</p>
<p><strong>The Smarter Wallet</strong> presents <a href="http://thesmarterwallet.com/2009/amazon-kindle-review-electronic-book-reader-pros-and-cons/">Amazon Kindle Review: Electronic Book Reader Pros and Cons</a> posted at <a href="http://thesmarterwallet.com/">The Smarter Wallet</a>, saying, &#8220;Is the Amazon Kindle worth buying for the family?&#8221;</p>
<p><strong>Silicon Valley Blogger</strong> presents <a href="http://www.thedigeratilife.com/blog/index.php/2009/04/30/best-high-interest-savings-accounts-online-banking-account/">Best High Interest Savings Accounts In Online Banking</a> posted at <a href="http://www.thedigeratilife.com/blog">The Digerati Life</a>, saying, &#8220;Show your kids how to pick the right savings account.&#8221;</p>
<p><strong>Jeff Rose</strong> presents <a href="http://www.goodfinancialcents.com/good-reads-kids-money/">29 Good Reads About Kids And Money</a> posted at <a href="http://www.goodfinancialcents.com/">Jeff Rose</a>.</p>
<p><strong>Pinyo</strong> presents <a href="http://www.moolanomy.com/1472/college-students-should-take-responsibility-for-their-financial-situation/">College Students Should Take Responsibility For Their Financial Situation</a> posted at <a href="http://www.moolanomy.com/">Moolanomy</a>.</p>
<p><strong>Mark Montgomery</strong> presents <a href="http://greatcollegeadvice.com/choosing-the-right-college-curriculum-how-much-choice-is-right-for-you/">Choosing the Right College Curriculum–How Much Choice Is Right For You?</a> posted at <a href="http://greatcollegeadvice.com/">Great College Advice</a>, saying, &#8220;College-bound students sometimes believe that all college academic programs are the same. Not so. This post and short video explain a couple of very different alternatives students have in selecting the right college for them.&#8221;</p>
<p><strong>KCLau</strong> presents <a href="http://kclau.com/wealth-management/wedding-debt/">Do You Have a Wedding Debt?</a> posted at <a href="http://kclau.com/">KCLau&#8217;s Money Tips</a>, saying, &#8220;Most couples want to begin their married life auspiciously and free from the problems. However, it is not uncommon to hear about married couples who go into debt just to get married. Article explores the reasons.&#8221;</p>
<p><!-- Carnival Submission --><strong>Talia</strong> presents <a href="http://backtobasics-talia.com/?p=38">Bitty Budget |  backtobasics-talia.com</a> posted at <a href="http://backtobasics-talia.com/">backtobasics-talia.com</a>.</p>
<p><!-- Carnival Submission --><strong>PicktheBrain</strong> presents <a href="http://schoolloans.org/blog/college-education-debt/">Is a College Education Worth a Lifetime of Debt?</a> posted at <a href="http://schoolloans.org/blog">School Loans</a>.</p>
<p><!-- Carnival Submission --><strong>Travis</strong> presents <a href="http://personalwebguide.com/passiveincome">Money for Time, or Time for Money? | personalwebguide.com</a> posted at <a href="http://personalwebguide.com/">Personal Web Guide</a>.</p>
<p><!-- Carnival Submission --><strong>Concerning Kids</strong> presents <a href="http://www.concerningkids.com/raising-a-highly-sensitive-child.php">Raising A Highly Sensitive Child</a> posted at <a href="http://www.concerningkids.com/">Concerning Kids</a>.</p>
<p><!-- Carnival Submission --><strong>John Russell</strong> presents <a href="http://bestpickinsurance.com/accident/">In An Accident?</a> posted at <a href="http://bestpickinsurance.com/">The Low Cost Auto Insurance Guru</a>, saying, &#8220;You pay your premiums, but when your car is damaged, you balk because you fear a claim will mean higher insurance rates.&#8221;</p>
<p><!-- Carnival Submission --><strong>Sonja Stewart</strong> presents <a href="http://parentingsquad.com/how-to-recession-proof-your-family-life">How to Recession-Proof Your Family Life | Parenting Squad</a> posted at <a href="http://parentingsquad.com/">Parenting Squad</a>.</p>
<p><!-- Carnival Submission --><strong></strong></p>
<p><!-- Carnival Submission --><strong>KCLau</strong> presents <a href="http://kclau.com/insurance/car-insurance-claim/">Bad Experience of Car Insurance Claim</a> posted at <a href="http://kclau.com/">KCLau&#8217;s Money Tips</a>, saying, &#8220;a story of bad experience with vehicle insurance claim&#8221;</p>
<p><!-- Carnival Submission --> <!-- Carnival Submission --><strong>jim</strong> presents <a href="http://www.bargaineering.com/articles/free-fico-credit-score.html">How To Get A Free FICO Credit Score</a> posted at <a href="http://www.bargaineering.com/articles">Blueprint for Financial Prosperity</a>.</p>
<p><!-- Carnival Submission --><strong>Paul Piotrowski</strong> presents <a href="http://www.inspiredmoneymaker.com/2009/04/23/the-importance-of-saving-money/">The Importance of Saving Money</a> posted at <a href="http://www.inspiredmoneymaker.com/">Inspired Money Maker</a>.</p>
<p><!-- Carnival Submission --><strong>FIRE Getters</strong> presents <a href="http://firefinance.blogspot.com/2009/04/why-do-we-get-laid-off-complicated.html">Why do we get laid off? A complicated corporate work culture &#8230;.</a> posted at <a href="http://firefinance.blogspot.com/">FIRE Finance</a>.</p>
<p><!-- Carnival Submission --></p>
<p><!-- Carnival Submission --><strong>Finance Tips 101</strong> presents <a href="http://www.financetips101.com/what-you-need-to-know-about-academic-scholarships.php">What You Need to Know about Academic Scholarships</a> posted at <a href="http://www.financetips101.com/">Finance Tips 101</a>.</p>
<p><!-- Carnival Submission --><strong>nickel</strong> presents <a href="http://www.fivecentnickel.com/2009/04/24/what-is-a-529-plan/">What is a 529 Plan?</a> posted at <a href="http://www.fivecentnickel.com/">fivecentnickel.com</a>, saying, &#8220;An overview of college savings plans.&#8221;</p>
<p><!-- Carnival Submission --><strong>Jack Schmidt</strong> presents <a href="http://jackschmidt.bravejournal.com/entry/31168">10 Really Fun Things You Can Do Today on the Cheap</a> posted at <a href="http://jackschmidt.bravejournal.com/">SectorMatic Money Journal</a>, saying, &#8220;Personal Finance | Everything for the Big Spender on a Budget. Now you can live like a fat cat, even if you&#8217;re on a money diet.&#8221;</p>
<p><!-- Carnival Submission --><strong>Jack Schmidt</strong> presents <a href="http://jackschmidt.bravejournal.com/entry/31169">How To Pick A Profitable Mutual Fund</a>.</p>
<p><!-- Carnival Submission --><strong>Brandon Rowe</strong> presents <a href="http://www.bromoney.com/bank-bonus/fbop-banks-free-160-checking-account-promotion">$160 Checking Bonus at FBOP Banks</a> posted at <a href="http://www.bromoney.com/">Bromoney Internet Banks</a>.</p>
<p><!-- Carnival Submission --><strong>Alison</strong> presents <a href="http://nottheplan.blogspot.com/2009/04/what-does-my-son-know-about-money.html">What Does My Son Know About Money?</a> posted at <a href="http://nottheplan.blogspot.com/">This Wasn&#8217;t in The Plan</a>.</p>
<p><!-- Carnival Submission --><strong>Patrick @ Cash Money Life</strong> presents <a href="http://cashmoneylife.com/2009/04/23/upromise-review-free-money-college/">Upromise Review</a> posted at <a href="http://cashmoneylife.com/">Cash Money Life</a>, saying, &#8220;Earn free money for college savings with rebates from UPromise. The money can be used for college savings, current college expenses, or repaying student loans.&#8221;</p>
<p><!-- Carnival Submission --><strong>Patrick @ Military Money</strong> presents <a href="http://militaryfinancenetwork.com/2009/04/21/financial-planning-for-military-families/">Financial Planning For Military Families</a> posted at <a href="http://militaryfinancenetwork.com/">Military Finance Network</a>, saying, &#8220;Financial planning tips to help families prepare for emergencies and other life events.&#8221;</p>
<p><!-- Carnival Submission --> <!-- Carnival Submission --><strong>Bank Champ</strong> presents <a href="http://bankchamp.com/failed-banks-not-required-to-honor-cd-rates/">Failed Banks Not Required to Honor CD Rates</a> posted at <a href="http://bankchamp.com/">Bank Champ</a>.</p>
<p><!-- Carnival Submission --><strong>sherin</strong> presents <a href="http://www.investinternals.com/2009/04/personal-child-investments-plan.html">My personal plan for creating investment portfolio for kid</a> posted at <a href="http://www.investinternals.com/">THE MONEY MANIAC</a>, saying, &#8220;Sharing my personal experience on creating a portfolio for my kid.&#8221;</p>
<p><!-- Carnival Submission --> <!-- Carnival Submission --><strong>Jack Schmidt</strong> presents <a href="http://jackschmidt.bravejournal.com/entry/31391">Sign of the Times: &#8220;Going Out Of Business &#8211; Eat Fast!&#8221;</a></p>
<p><!-- Carnival Submission --><strong>Jack Schmidt</strong> presents <a href="http://jackschmidt.bravejournal.com/entry/31392">Starting Young: Teaching Teens to Save Money</a>.</p>
<p><!-- Carnival Submission --><strong>Barry</strong> presents <a href="http://associatemoney.com/2009/04/how-to-have-baby-amid-recession.html">How To Have A Baby Amid A Recession?</a> posted at <a href="http://associatemoney.com/">Associate Money</a>.</p>
<p><!-- Carnival Submission --><strong>jim</strong> presents <a href="http://www.bargaineering.com/articles/citi-forward-credit-card-review.html">Citi Forward Credit Card Review: Rewarding Responsibility</a> posted at <a href="http://www.bargaineering.com/articles">Blueprint for Financial Prosperity</a>.</p>
<p><!-- Carnival Submission --> <!-- Carnival Submission --><strong>Dan at Everydayfinance</strong> presents <a href="http://everydayfinance.blogspot.com/2009/04/what-i-learnd-at-park-easy-400-per-day.html">What I Learnd at the Park &#8211; An Easy $400 per Hour!</a> posted at <a href="http://everydayfinance.blogspot.com/">Everyday Finance</a>, saying, &#8220;This article highlights a unique and easy way teenage kids can make Hundreds of Dollars per hour this summer!&#8221;</p>
<p><!-- Carnival Submission --><strong>Ted</strong> presents <a href="http://www.campusgrotto.com/college-advice-100-tips-for-survival.html">College Advice: 100+ Tips for Survival</a> posted at <a href="http://www.campusgrotto.com/">CampusGrotto</a>.</p>
<p><!-- Carnival Submission --><strong>Bank Champ</strong> presents <a href="http://bankchamp.com/i-bond-fixed-rate-announcement-may-november-2009/">I Bond Fixed Rate Announcement (May &#8211; November 2009)</a> posted at <a href="http://bankchamp.com/">Bank Champ</a>.</p>
<p><!-- Carnival Submission --> <!-- Carnival Submission --><strong>Jesse Michelsen</strong> presents <a href="http://www.pffirewall.com/moneysaving/shopping-out-of-season/">Shopping Out Of Season</a> posted at <a href="http://www.pffirewall.com/">Personal Finance Firewall</a>.</p>
<p><!-- Carnival Submission --> <!-- Carnival Submission --><strong>Patrick @ Cash Money Life</strong> presents <a href="http://cashmoneylife.com/2009/04/27/decide-stay-at-home-mom-working-mom/">How to Decide Whether to Be a Stay at Home Mom or Working Mom</a> posted at <a href="http://cashmoneylife.com/">Cash Money Life</a>, saying, &#8220;These are some factors to consider when deciding between being a stay at home mom or returning to the work force.&#8221;</p>
<p><!-- Carnival Submission --><strong>Patrick @ Military Money</strong> presents <a href="http://militaryfinancenetwork.com/2009/04/28/25-ways-eat-for-free/">25 Ways to Eat For Free (Really): Get Free Food!</a> posted at <a href="http://militaryfinancenetwork.com/">Military Finance Network</a>, saying, &#8220;How to get free food and save money while eating out at restaurants.&#8221;</p>
<p><!-- Carnival Submission --> <!-- Carnival Submission --><strong>nickel</strong> presents <a href="http://www.fivecentnickel.com/2009/04/27/the-best-529-plans-2009-edition/">The Best 529 Plans &#8211; 2009 Edition</a> posted at <a href="http://www.fivecentnickel.com/">fivecentnickel.com</a>.</p>
<p><!-- Carnival Submission --><strong>Jack Schmidt</strong> presents <a href="http://jackschmidt.bravejournal.com/entry/31475">Home Improvement Loans &#8211; Transforming Brick and Mortar</a>.</p>
<p><!-- Carnival Submission --><strong>RC</strong> presents <a href="http://www.thinkyourwaytowealth.com/2009/03/11/economic-stimulus-plan-529-funds-can-be-used-for-computers-software-and-peripherals/">From the Economic Stimulus Plan- 529 Funds Can be Used for Computers, Software, and Peripherals</a> posted at <a href="http://www.thinkyourwaytowealth.com/">Think Your Way to Wealth</a>.</p>
<p><strong>Jim DeSantis</strong> presents <a href="http://on-line-tribune-marriage.blogspot.com/2009/04/divorce-what-to-do-about-medical-life.html">Divorce: What To Do About Medical, Life, Homeowners, and Auto Insurance!</a> posted at <a href="http://on-line-tribune-marriage.blogspot.com/">On Line Tribune | Marriage Matters</a><!-- EDIT THIS: the conclusion begins with this paragraph: -->, saying, &#8220;Covering the insurance needs of yourself and your children after a divorce must be considered during pre-divorce settlement negotiations with your soon-to-be ex. This is largely a matter for lawyers but you need to think ahead to protect everyone who depends upon you.&#8221;</p>
<p>That concludes this edition.  Submit your blog article to the next edition of <strong>kids and money</strong> using our <a title="Submit an entry to “kids and money”" href="http://blogcarnival.com/bc/submit_3789.html" target="_blank">carnival submission form</a>. Past posts and future hosts can be found on our <a title="Blog Carnival index for “kids and money”" href="http://blogcarnival.com/bc/cprof_3789.html" target="_blank"> blog carnival index page</a>.</p>
<p>Technorati tags:  <!-- add your technorati tags here! --> <a rel="tag" href="http://technorati.com/tag/kids+and+money">kids and money</a>, <a rel="tag" href="http://technorati.com/tag/blog+carnival">blog carnival</a>.</p>
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		<title>Dave Ramsey Town Hall Meeting</title>
		<link>http://money-hacks.com/779/dave-ramsey-town-hall-meeting/</link>
		<comments>http://money-hacks.com/779/dave-ramsey-town-hall-meeting/#comments</comments>
		<pubDate>Thu, 23 Apr 2009 17:02:14 +0000</pubDate>
		<dc:creator>billspaced</dc:creator>
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		<description><![CDATA[I admit I know nearly nothing about Dave Ramsey (I know he&#8217;s some sort of &#8220;financial guru&#8221; that a lot of people follow), but I&#8217;ll tell you, in the interest of disseminating information, that he&#8217;s holding a town hall meeting &#8230; <a href="http://money-hacks.com/779/dave-ramsey-town-hall-meeting/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
			<content:encoded><![CDATA[<p>I admit I know nearly nothing about Dave Ramsey (I know he&#8217;s some sort of &#8220;financial guru&#8221; that a lot of people follow), but I&#8217;ll tell you, in the interest of disseminating information, that he&#8217;s holding a town hall meeting tonight about &#8220;The economy, your money, and real answers.&#8221;</p>
<p>It&#8217;s tonight, April 23, at 8 PM ET and 7 PM PT (West Coast delay, what&#8217;s new?) &#8211; sign up here &#8211; <a href="http://www.townhallforhope.com/">Town Hall For Hope with Dave Ramsey</a> (Click the &#8220;Attend the Event&#8221; yellow button).<br />
<blockquote></blockquote>
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		<title>Kids and Money &#8211; April 22, 2009</title>
		<link>http://money-hacks.com/768/kids-and-money-april-22-2009/</link>
		<comments>http://money-hacks.com/768/kids-and-money-april-22-2009/#comments</comments>
		<pubDate>Wed, 22 Apr 2009 18:22:17 +0000</pubDate>
		<dc:creator>billspaced</dc:creator>
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		<description><![CDATA[Welcome to the April 22, 2009 edition of Kids and Money. mortgager presents Second Hand Endowment Policies posted at Endowment Policy, saying, &#8220;Read on how to act with second hand endowments easily during crisis.&#8221; Talia presents Bitty Budget &#124; backtobasics-talia.com &#8230; <a href="http://money-hacks.com/768/kids-and-money-april-22-2009/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
			<content:encoded><![CDATA[<div id="attachment_769" class="wp-caption alignright" style="width: 160px"><a rel="attachment wp-att-769" href="http://www.money-hacks.com/2009/04/kids-and-money-april-22-2009.html/kids-money-3"><img class="size-thumbnail wp-image-769" title="kids-money-3" src="http://www.money-hacks.com/wp-content/uploads/2009/04/kids-money-3-150x150.jpg" alt="Kids &amp; Money" width="150" height="150" /></a><p class="wp-caption-text">Kids &amp; Money</p></div>
<p>Welcome to the April 22, 2009 edition of Kids and Money.</p>
<p><!-- Carnival Submission --> <!-- Carnival Submission --><strong></strong></p>
<p><!-- Carnival Submission --><strong>mortgager</strong> presents <a href="http://endowmentpolicy.pl/second-hand-endowment/">Second Hand Endowment Policies</a> posted at <a href="http://endowmentpolicy.pl/">Endowment Policy</a>, saying, &#8220;Read on how to act with second hand endowments easily during crisis.&#8221;</p>
<p><!-- Carnival Submission --><strong>Talia</strong> presents <a href="http://backtobasics-talia.com/?p=38">Bitty Budget |  backtobasics-talia.com</a> posted at <a href="http://backtobasics-talia.com/">backtobasics-talia.com</a>.</p>
<p><!-- Carnival Submission --> <!-- Carnival Submission --><!-- Carnival Submission --><strong>David</strong> presents <a href="http://www.personalfinanceology.com/checking-accounts/">Checking Accounts</a> posted at <a href="http://www.personalfinanceology.com/">Personal Finance Ology</a>, saying, &#8220;Learn about the different types of checking accounts and how to keep more of your money!&#8221;</p>
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<p><!-- Carnival Submission --><strong>Nate Desmond</strong> presents <a href="http://www.debtfreescholar.com/2009/04/giveaway-free-turbotax-online-premier-tax-e-filing/">Giveaway: Free TurboTax Online Premier Tax E-Filing</a> posted at <a href="http://www.debtfreescholar.com/">Debt-free Scholar</a>.</p>
<p><!-- Carnival Submission --><!-- Carnival Submission --><strong>Bank Champ</strong> presents <a href="http://bankchamp.com/bank-promotions-are-taxed/">Bank Promotions Are Taxed</a> posted at <a href="http://bankchamp.com/">Bank Champ</a>.</p>
<p><!-- Carnival Submission --><strong>John Russell</strong> presents <a href="http://bestpickinsurance.com/auto-car-insurance-quote/">14 Auto Insurance Secrets</a> posted at <a href="http://bestpickinsurance.com/">The Low Cost Auto Insurance Guru</a>.</p>
<p><!-- Carnival Submission --><strong>KCLau</strong> presents <a href="http://kclau.com/wealth-management/finances/">5 Ways To Take Charge Of Our Finances</a> posted at <a href="http://kclau.com/">KCLau&#8217;s Money Tips</a>, saying, &#8220;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.&#8221;</p>
<p><!-- Carnival Submission --><strong>Frank Vertin</strong> presents <a href="http://www.500indexfund.com/just-buy-index-funds-directly-11.htm">Just Buy Index Funds Directly</a> posted at <a href="http://www.500indexfund.com/">NO LOAD INDEX FUND</a>, saying, &#8220;Buying an S&amp;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.&#8221;</p>
<p><!-- Carnival Submission --><strong>Larry Russell</strong> presents <a href="http://www.theskilledinvestor.com/wp/most-individual-investors-are-poor-personal-portfolio-managers-15.htm">Most Individual Investors Are Poor Personal Portfolio Managers | Personal Investment Management</a> posted at <a href="http://www.theskilledinvestor.com/wp">THE SKILLED INVESTOR Blog</a>, saying, &#8220;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.&#8221;</p>
<p><!-- Carnival Submission --><strong>Walter W. Fouse</strong> presents <a href="http://www.bestnoloadmutualfund.com/the-best-noload-mutual-funds-etfs-13.htm">7 Ways to Pick the Best Noload Mutual Funds and ETFs</a> posted at <a href="http://www.bestnoloadmutualfund.com/">Best No Load Funds</a>, saying, &#8220;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.&#8221;</p>
<p><!-- Carnival Submission --><strong>Ben Jenkins</strong> presents <a href="http://www.gorillacanyon.com/graduating-from-college-doesnt-mean-you-cant-party/">Graduating From College</a> posted at <a href="http://www.gorillacanyon.com/">Self-Destruction in NYC</a>.</p>
<p><!-- Carnival Submission --><strong>Richard M. Rothschild</strong> presents <a href="http://www.bondmarketindexfund.com/united-states-taxable-bond-mutual-funds-9.htm">The Top 14 Low Cost Taxable United States Bond Mutual Funds (Low Minimum Deposit)</a> posted at <a href="http://www.bondmarketindexfund.com/">Bond Market Index Funds</a>, saying, &#8220;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.&#8221;</p>
<p><!-- Carnival Submission --><strong>Ralph Jean-Paul</strong> presents <a href="http://potential2success.com/Building-Self-discipline.html">Building Self-Discipline</a> posted at <a href="http://www.potential2success.com/">Potential 2 Success</a>, saying, &#8220;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.&#8221;</p>
<p><!-- Carnival Submission --><strong>Big Cajun Man</strong> presents <a href="http://www.canajunfinances.com/2009/03/25/advice-for-new-grads/">Canadian Personal Finance Blog  » Blog Archive   » Advice for New Grads?</a> posted at <a href="http://www.canajunfinances.com/">Canadian Personal Finance Blog</a>, saying, &#8220;When your kids do finally graduate from college, make sure they keep this in mind.&#8221;</p>
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<p><!-- Carnival Submission --><strong>Mike Pastore</strong> presents <a href="http://www.mikesmillions.com/blog/2009/03/08/thinking-of-saving-money-for-your-child-%E2%80%98s-college-education-ira-or-529a-plan/">Thinking of saving money for your childs college education? IRA or 529a plan? | Mikes Millions.com</a> posted at <a href="http://www.mikesmillions.com/blog">Mikes Millions.com</a>.</p>
<p><!-- Carnival Submission --><!-- Carnival Submission --><strong>Jeff Rose</strong> presents <a href="http://www.goodfinancialcents.com/529-questions-college-savings-plans/">10 Questions About College Savings Plans</a> posted at <a href="http://www.goodfinancialcents.com/">Jeff Rose</a>.</p>
<p><!-- Carnival Submission --><strong>jim</strong> presents <a href="http://www.bargaineering.com/articles/best-student-credit-cards.html">Best Student Credit Cards</a> posted at <a href="http://www.bargaineering.com/articles">Blueprint for Financial Prosperity</a>.</p>
<p><!-- Carnival Submission --><strong>Buck Weber</strong> presents <a href="http://thebucklist.blogspot.com/2009/02/search-for-scholarships.html">Search for Scholarships</a> posted at <a href="http://thebucklist.blogspot.com/">THE BUCK LIST</a>, saying, &#8220;It’s that time of the year again for high school seniors. Testing for the ACT &amp; 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.&#8221;</p>
<p><!-- Carnival Submission --><strong>Barry</strong> presents <a href="http://associatemoney.com/2009/04/buying-groceries-from-auctions.html">Buying Groceries From Auctions</a> posted at <a href="http://associatemoney.com/">Associate Money</a>.</p>
<p><!-- Carnival Submission --><strong>Madison</strong> presents <a href="http://kidmoney.about.com/od/jobsforkids/tp/Summer-Jobs-for-Kids.htm">Summer Jobs for Kids &#8211; Ideas for Summer Jobs for Kids</a> posted at <a href="http://kidmoney.about.com/">Kids and Money</a>.</p>
<p><!-- Carnival Submission --><strong>Verna Morris</strong> presents <a href="http://etfdb.com/2009/five-experts-agree-you-need-a-tips-etf-in-your-retirement-portfolio/">Five Experts Agree: You Need a TIPS ETF In Your Retirement Portfolio</a> posted at <a href="http://etfdb.com/">ETFdb</a>.</p>
<p><!-- Carnival Submission --><strong>One Family</strong> presents <a href="http://www.onefamilysblog.com/2009/04/swagbucks-frugal-take.html">Swagbucks &#8211; A Frugal Take</a> posted at <a href="http://www.onefamilysblog.com/">One Family&#8217;s Blog</a>, saying, &#8220;A review of SwagBucks, a search engine that promises rewards for doing searches.&#8221;<strong></strong></p>
<p><strong>KCLau</strong> presents <a href="http://kclau.com/wealth-management/happy-with-less/">Learning to be Happy with Less</a> posted at <a href="http://kclau.com/">KCLau&#8217;s Money Tips</a>, saying, &#8220;How u can be happy with less material things&#8221;<strong></strong></p>
<p><strong>Jim DeSantis</strong> presents <a href="http://on-line-tribune-family-life.blogspot.com/2009/04/3-reasons-that-can-cause-your-family.html">3 Reasons That Can Cause Your Family Budget To Fail</a> posted at <a href="http://on-line-tribune-family-life.blogspot.com/">Free Family Budgeting eBook from On Line Tribune</a>, saying, &#8220;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.&#8221;</p>
<p><strong>Jeremy Ulmer</strong> presents <a href="http://www.coachwithjeremy.com/blog/cold-calling-tip/how-to-cold-call">How To Cold Call Effectively: What To Say First</a> posted at <a href="http://www.coachwithjeremy.com/blog">Sales Coaching | Business Coaching | Life Coaching</a>, saying, &#8220;never too early for kids to start learning some of these skills&#8230;to make money&#8230;&#8221;</p>
<p><!-- Carnival Submission --><strong>Clair Schwan</strong> presents <a href="http://www.frugal-living-freedom.com/money-management.html">Money Management &#8211; Making and Retaining Wealth</a> posted at <a href="http://www.frugal-living-freedom.com/">Frugal Living Freedom</a>, saying, &#8220;This article provides an overview of basic money management concepts with an eye toward accumulating wealth by being more responsible with it.&#8221;</p>
<p><!-- Carnival Submission --><strong>FIRE Getters</strong> presents <a href="http://firefinance.blogspot.com/2009/03/what-is-rule-of-72.html">What is the Rule of 72?</a> posted at <a href="http://firefinance.blogspot.com/">FIRE Finance</a>.</p>
<p><!-- Carnival Submission --><strong>Get800today</strong> presents <a href="http://blog.get800today.com/2009/04/why-not-use-toll-free-at-home-2/">Why Not Use Toll Free at Home?</a> posted at <a href="http://get800today.com/">Get800today.com</a>.</p>
<p><!-- Carnival Submission --><strong>Patrick @ Cash Money Life</strong> presents <a href="http://cashmoneylife.com/2009/04/06/how-much-life-insurance-do-you-need/">How Much Life Insurance Do You Need?</a> posted at <a href="http://cashmoneylife.com/">Cash Money Life</a>, saying, &#8220;This is a question everyone should ask themselves &#8211; particularly if they have a family that relies upon their income.&#8221;</p>
<p><!-- Carnival Submission --><strong>Silicon Valley Blogger</strong> presents <a href="http://www.thedigeratilife.com/blog/index.php/2009/02/10/zecco-vs-tradeking-online-stock-brokerage-account-discount-broker-comparison/">Zecco vs TradeKing: Which Online Stock Brokerage Account To Choose?</a> posted at <a href="http://www.thedigeratilife.com/blog">The Digerati Life</a>, saying, &#8220;Help your kids invest early by opening their first account with a solid online broker.&#8221;</p>
<p><!-- Carnival Submission --><strong>Finance Tips 101</strong> presents <a href="http://www.financetips101.com/scholarships-come-in-all-shapes-and-sizes.php">Scholarships Come In All Shapes And Sizes</a> posted at <a href="http://www.financetips101.com/">Finance Tips 101</a>.</p>
<p><!-- Carnival Submission --><strong>The Smarter Wallet</strong> presents <a href="http://thesmarterwallet.com/2009/kid-develop-gambling-problem-gambling-addiction/">Can Your Kid Develop A Gambling Problem?</a> posted at <a href="http://thesmarterwallet.com/">The Smarter Wallet</a>, saying, &#8220;Thanks!&#8221;</p>
<p><!-- Carnival Submission --><strong>Summer Munyon</strong> presents <a href="http://blog.manausa.com/2009/04/13/bottom-of-the-real-estate-market/">How To Find The Bottom Of The Real Estate Market</a> posted at <a href="http://blog.manausa.com/">Tallahassee Real Estate Blog</a>, saying, &#8220;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.&#8221;</p>
<p><!-- Carnival Submission --><strong>hall monitor</strong> presents <a href="http://www.detentionslip.org/2009/04/two-colts-neck-high-school-students.html">Two Colts Neck High School students accused of counterfeiting money</a> posted at <a href="http://www.detentionslip.org/">DetentionSlip.org</a>, saying, &#8220;To be filed in the &#8220;What NOT to do&#8221; column.&#8221;</p>
<p><!-- Carnival Submission --><strong>Deposit Accounts</strong> presents <a href="http://www.depositaccounts.com/blog/keep-more-of-your-money-tips-for-better-banking.html">Keep More of Your Money: Tips for Better Banking</a> posted at <a href="http://www.depositaccounts.com/">Deposit Accounts</a>.</p>
<p><!-- Carnival Submission --><strong>MatthewPaulson</strong> presents <a href="http://www.finetunedfinances.com/2009/04/money-management-principles-for-children/">Money  Management Principles for Children</a> posted at <a href="http://www.finetunedfinances.com/">Fine-Tuned Finances</a>.</p>
<p><!-- Carnival Submission --><strong>Madison</strong> presents <a href="http://kidmoney.about.com/b/2009/04/15/frugal-ideas-for-prom-season.htm">Frugal Ideas for Prom Season</a> posted at <a href="http://kidmoney.about.com/">Kids and Money</a>.</p>
<p><!-- EDIT THIS: the conclusion begins with this paragraph: -->That concludes this edition.  Submit your blog article to the next edition of <strong>Kids and Money</strong> using our <a title="Submit an entry to “kids and money”" href="http://blogcarnival.com/bc/submit_3789.html" target="_blank">carnival submission form</a>. Past posts and future hosts can be found on our <a title="Blog Carnival index for “kids and money”" href="http://blogcarnival.com/bc/cprof_3789.html" target="_blank"> blog carnival index page</a>.</p>
<p>Technorati tags:  <!-- add your technorati tags here! --> <a rel="tag" href="http://technorati.com/tag/kids+and+money">kids and money</a>, <a rel="tag" href="http://technorati.com/tag/blog+carnival">blog carnival</a>.</p>
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		<title>Kids and Money &#8211; March 2, 2009</title>
		<link>http://money-hacks.com/648/kids-and-money-march-2-2009/</link>
		<comments>http://money-hacks.com/648/kids-and-money-march-2-2009/#comments</comments>
		<pubDate>Mon, 02 Mar 2009 20:11:00 +0000</pubDate>
		<dc:creator>billspaced</dc:creator>
				<category><![CDATA[Earn]]></category>
		<category><![CDATA[Invest]]></category>
		<category><![CDATA[Kids and Money]]></category>
		<category><![CDATA[Miscellaneous]]></category>
		<category><![CDATA[Multiply]]></category>
		<category><![CDATA[Preserve]]></category>
		<category><![CDATA[Save]]></category>
		<category><![CDATA[Spend]]></category>

		<guid isPermaLink="false">http://moneyhackstemp.wordpress.com/2009/03/02/kids-and-money-march-2-2009/</guid>
		<description><![CDATA[Welcome to the March 2, 2009 edition of Kids and Money. It&#8217;s been a while since our last carnival, so this is a BIG ONE. I&#8217;ve tried to put the submissions into logical blocks for easier reading. Earning Tisha Tolar &#8230; <a href="http://money-hacks.com/648/kids-and-money-march-2-2009/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
			<content:encoded><![CDATA[<p>Welcome to the March 2, 2009 edition of Kids and Money. It&#8217;s been a while since our last carnival, so this is a BIG ONE. I&#8217;ve tried to put the submissions into logical blocks for easier reading.</p>
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<p><b>Earning</b></p>
<p><b>Tisha Tolar</b> presents <a href="http://empoweringmomblog.com/archives/483">Work at Home Discipline: Find Some</a> posted at <a href="http://empoweringmomblog.com/">Empowering Mom</a>.</p>
<p><b>jim</b> presents <a href="http://www.bargaineering.com/articles/ten-recession-busting-money-tips-for-young-professionals.html">Ten Recession-Busting Money Tips for Young Professionals</a> posted at <a href="http://www.bargaineering.com/articles">Blueprint for Financial Prosperity</a>.</p>
<p><b>Pinyo</b> presents <a href="http://www.moolanomy.com/870/where-to-sell-used-books-and-textbooks/">Where To Sell Used Books And Textbooks</a> posted at <a href="http://www.moolanomy.com/">Moolanomy</a>.</p>
<p>
<span style="font-weight:bold;">Spending</span></p>
<p><span style="font-weight:bold;"></span><b>Matthew Paulson</b> presents <a href="http://www.americanconsumernews.com/2009/02/8-money-saving-ideas-for-family-fun.html">8 Money Saving Ideas for Family Fun Night</a> posted at <a href="http://www.americanconsumernews.com/">American Consumer News</a>.</p>
<p><b>Gary R.</b> presents <a href="http://campingearth.com/blog/2009/02/06/traditional-vs-rustic-camp-sites/">Traditional vs. Rustic Camp Sites</a> posted at <a href="http://campingearth.com/blog">Camping Tips</a>, saying, &#8220;An increasing number of campgrounds are offering visitors the choice of both traditional and rustic campsites.&#8221;</p>
<p><b>Madison</b> presents <a href="http://kidmoney.about.com/od/savingmoney/p/valentines.htm">Money Saving Tips for Kids on Valentine’s Day</a> posted at <a href="http://kidmoney.about.com/">Kids and Money</a>.</p>
<p><b>Silicon Valley Blogger</b> presents <a href="http://www.thedigeratilife.com/blog/index.php/2009/02/13/lower-car-insurance-rates-cut-auto-insurance-premiums-affordable-cheap-insurance/">Lower Your Car Insurance Rates! How To Cut Insurance Premiums In Half</a> posted at <a href="http://www.thedigeratilife.com/blog">The Digerati Life</a>, saying, &#8220;If you&#8217;ve got kids, driving safely and carefully is a must. And doing so will most likely lower your car insurance rates as well.&#8221;<b>&nbsp;</b></p>
<p><b>Barry</b> presents <a href="http://associatemoney.com/2009/02/tug-of-war-between-retailers-and-frugal.html">Tug Of War Between Retailers And Frugal Consumers</a> posted at <a href="http://associatemoney.com/">Associate Money</a>.<b>&nbsp;</b></p>
<p><b>Annette Berlin</b> presents <a href="http://craftstew.com/print-and-cut/printable-toys-for-pre-teens">Printable Toys For Pre-Teens</a> posted at <a href="http://craftstew.com/">Craft Stew</a>, saying, &#8220;Older children get tired of toys fast. Rather than spending a small fortune to keep them constantly satisfied, let them create their own playthings from cardstock and a printer.&#8221;<b>&nbsp;</b></p>
<p><b>jim</b> presents <a href="http://www.bargaineering.com/articles/how-to-strong-arm-your-way-to-a-better-deal.html">How to Strong Arm Your Way to a Better Deal</a> posted at <a href="http://www.bargaineering.com/articles">Blueprint for Financial Prosperity</a>.<b>&nbsp;</b></p>
<p><b>Savings Toolbox</b> presents <a href="http://www.savingstoolbox.com/2009/02/24/tips-to-save-on-your-summer-get-away/">Tips to Save On your Summer Getaway</a> posted at <a href="http://www.savingstoolbox.com/">Savings Toolbox</a>.</p>
<p>
<span style="font-weight:bold;">Saving</span></p>
<p><span style="font-weight:bold;"></span><b>Deposit Accounts</b> presents <a href="http://www.depositaccounts.com/articles/savings-accounts-for-children.html">Savings Accounts for Children</a> posted at <a href="http://www.depositaccounts.com/">Deposit Accounts</a>.<span style="font-weight:bold;"></span><b>&nbsp;</b></p>
<p><b>Mr. Banker</b> presents <a href="http://bestinterestratebanks.com/articles/high-interest-money-market-accounts-mma.htm">High Interest Money Market Accounts (MMA)</a> posted at <a href="http://bestinterestratebanks.com/articles">Best Interest Rate Banks</a>.<b>&nbsp;</b></p>
<p><b>Brian McKay</b> presents <a href="http://www.monitorbankrates.com/home/cd-rates">CD Rates</a> posted at <a href="http://www.monitorbankrates.com/">MonitorBankRates.com</a>, saying, &#8220;Finding a decent rate on a certificate of deposit account these days isn’t an easy thing to do. CD rates have been coming down so fast recently the average 12 month CD rate is nearing just 2.00%.&#8221;<span style="font-weight:bold;">&nbsp;</span></p>
<p>
<span style="font-weight:bold;">Investing</span><b>&nbsp;</b></p>
<p><b>retirehappy</b> presents <a href="http://www.myretirementblog.com/warren-buffetts-metric-says-buy.html">Warren Buffett’s Metric Says BUY!</a> posted at <a href="http://www.myretirementblog.com/">My Retirement Blog</a>.<b>&nbsp;</b></p>
<p><b>The Shark Investor</b> presents <a href="http://sharkinvestor.com/2009/02/16/strategies-for-raising-funds-borrow-your-way-to-wealth/">Strategies For Raising Funds: Borrow Your Way To Wealth</a> posted at <a href="http://sharkinvestor.com/">The Shark Investor</a>, saying, &#8220;How and when to use loans for investing&#8221;<b>&nbsp;</b></p>
<p><b>Carrie</b> presents <a href="http://haveless.blogspot.com/2009/02/learning-about-investing-as-child.html">Learning About Investing as a Child</a> posted at <a href="http://haveless.blogspot.com/">Less is More</a>.<b>&nbsp;</b></p>
<p><b>RJ</b> presents <a href="http://www.our-financial-planner.com/investing-in-index-funds.html">The Case for Investing in Index Funds</a> posted at <a href="http://www.our-financial-planner.com/">Our Financial Planner</a>, saying, &#8220;No matter the age and experience, index funds can be your greatest friend. Thank you for hosting.&#8221;<b>&nbsp;</b></p>
<p><b>Kelly Sonora</b> presents <a href="http://bestforexbrokers.org/2009/25-forex-related-twitter-accounts-worth-following/">25 Forex-Related Twitter Accounts Worth Following</a> posted at <a href="http://bestforexbrokers.org/">Best Forex Brokers</a>.<span style="font-weight:bold;"></span><b>&nbsp;</b></p>
<p><b>PicktheBrain</b> presents <a href="http://beginnerinvesting.org/the-first-investment-a-beginner-should-make/">The First Investment a Beginner Should Make</a> posted at <a href="http://beginnerinvesting.org/">Beginner Investing</a>.<span style="font-weight:bold;">&nbsp;</span></p>
<p>
<span style="font-weight:bold;">Money Management</span><b>&nbsp;</b></p>
<p><b>Len Penzo</b> presents <a href="http://lenpenzo.com/blog/id506-use-a-ledger-to-teach-kids-money-management-skills.html">Using a Ledger to Teach Kids Money Management</a> posted at <a href="http://lenpenzo.com/blog">Len Penzo . Com</a>, saying, &#8220;Even kids as young as 6-years old can learn personal finance management skills via this simple bookkeeping plan.&#8221;<b>&nbsp;</b></p>
<p><b>Lisa Mitchell</b> presents <a href="http://www.letstalkbabies.com/2008/11/17/teaching-your-children-about-money/">Teaching Your Children About Money</a> posted at <a href="http://www.letstalkbabies.com/">Let&#8217;s Talk Babies</a>.<b>&nbsp;</b></p>
<p><b>Jacquelyn</b> presents <a href="http://wparent.com/parent-child-money-guide/">The Wise Parent &amp; Child Money Guide</a> posted at <a href="http://wparent.com/">WParent.com &#8211; Wise Parenting Guide</a>, saying, &#8220;Give your child an introduction to the subject of money by reading this article together. This will give your child a general idea about money.&#8221;<b>&nbsp;</b></p>
<p>
<b>Credit</b></p>
<p><b>Silicon Valley Blogger</b> presents <a href="http://www.thedigeratilife.com/blog/index.php/2008/08/07/best-cash-back-credit-cards-your-rewards-for-spending/">Best Cash Back Credit Cards: Your Rewards For Spending</a> posted at <a href="http://www.thedigeratilife.com/blog">The Digerati Life</a>, saying, &#8220;Thank you!&#8221;<b>&nbsp;</b></p>
<p><b>jim</b> presents <a href="http://www.bargaineering.com/articles/best-student-credit-cards.html">Best Student Credit Cards</a> posted at <a href="http://www.bargaineering.com/articles">Blueprint for Financial Prosperity</a>.<b>&nbsp;</b></p>
<p><b>Finance Tips 101</b> presents <a href="http://www.financetips101.com/drowning-in-debt-bad-credit-loans-may-need-to-be-considered.php">Drowning In Debt? Bad Credit Loans May Need To Be Considered!</a> posted at <a href="http://www.financetips101.com/">Finance Tips 101</a>.<b>&nbsp;</b></p>
<p><b>Finance Tips 101</b> presents <a href="http://www.financetips101.com/the-pros-and-cons-of-personal-loans.php">The Pros And Cons Of Personal Loans</a> posted at <a href="http://www.financetips101.com/">Finance Tips 101</a>.<b>&nbsp;</b></p>
<p><b>Finance Tips 101</b> presents <a href="http://www.financetips101.com/answers-about-home-equity-loans.php">Answers About Home Equity Loans</a> posted at <a href="http://www.financetips101.com/">Finance Tips 101</a>.</p>
<p><b>DebtLite</b> presents <a href="http://debtlite.com/root-causes-of-debt/51">What Are the Root Causes of Debt?</a> posted at <a href="http://debtlite.com/">Debt Advice</a>.<b>&nbsp;</b></p>
<p><b>Astrid Lee</b> presents <a href="http://therapeuticreiki.com/blog/suze-orman/">Suze Orman</a> posted at <a href="http://therapeuticreiki.com/blog">World Healing</a>, saying, &#8220;Article on advice by Suze Orman, the popular TV adviser on personal finance and about how get out of debt. Article also contains video show where she talks about how to determine how much to give to charities&#8230;&#8221;<b>&nbsp;</b></p>
<p><b>Finance Tips 101</b> presents <a href="http://www.financetips101.com/cash-back-award-points-and-gas-cards.php">Cash Back, Award Points, and Gas Cards</a> posted at <a href="http://www.financetips101.com/">Finance Tips 101</a>.<span style="font-weight:bold;">&nbsp;</span></p>
<p>
<span style="font-weight:bold;">College</span></p>
<p><span style="font-weight:bold;"></span><b>Madison</b> presents <a href="http://www.taxgab.com/tax-deductions-credits/midwestern-disaster-area-tax-impacts/">Midwestern Disaster Area Tax Impacts</a> posted at <a href="http://www.taxgab.com/">Tax Gab</a>, saying, &#8220;Expanded college tax credits for those affected by the storms last year.&#8221;<b>&nbsp;</b></p>
<p><b>Finance Tips 101</b> presents <a href="http://www.financetips101.com/scholarship-and-grant-information-for-interested-high-school-graduates.php">Scholarship And Grant Information For Interested High School Graduates</a> posted at <a href="http://www.financetips101.com/">Finance Tips 101</a>.<b>&nbsp;</b></p>
<p><b>The Smarter Wallet</b> presents <a href="http://thesmarterwallet.com/2009/student-loan-programs-pay-for-college-tuition-costs/">Student Loan Programs To Pay For My College Tuition Costs</a> posted at <a href="http://thesmarterwallet.com/">The Smarter Wallet</a>, saying, &#8220;Thanks!&#8221;<b>&nbsp;</b></p>
<p><b>Madison</b> presents <a href="http://www.mydollarplan.com/ohio-529-college-advantage-25-sign-up-bonus/">Ohio 529 College Advantage $25 Sign Up Bonus</a> posted at <a href="http://www.mydollarplan.com/">My Dollar Plan</a>.<b>&nbsp;</b></p>
<p><b>OnlineCollege</b> presents <a href="http://universitiesandcolleges.org/choosing-a-college/">Choosing a College: A Simple Guide for Undergraduates</a> posted at <a href="http://universitiesandcolleges.org/">Universities and Colleges</a>.<b>&nbsp;</b></p>
<p>
<b>Preparing for Baby</b></p>
<p><b>jim</b> presents <a href="http://www.bargaineering.com/articles/preparing-financially-for-a-baby.html">Preparing Financially for a Baby</a> posted at <a href="http://www.bargaineering.com/articles">Blueprint for Financial Prosperity</a>.<b>&nbsp;</b></p>
<p><b>Concerning Kids</b> presents <a href="http://www.concerningkids.com/choosing-the-right-pediatrician-for-your-baby.php">Choosing The Right Pediatrician For Your Baby</a> posted at <a href="http://www.concerningkids.com/">Concerning Kids</a>.<b>&nbsp;</b></p>
<p><b>Madison</b> presents <a href="http://www.mydollarplan.com/our-family-is-expanding/">Our Family is Expanding… Financial Resources for Babies</a> posted at <a href="http://www.mydollarplan.com/">My Dollar Plan</a>.<b>&nbsp;</b></p>
<p><b>Pregnant Woman</b> presents <a href="http://www.pregnancy-period.com/identical_triplets.html">Identical Triplets &#8211; Three Bundles Of Joy</a> posted at <a href="http://www.pregnancy-period.com/">Pregnancy</a>, saying, &#8220;Triplets occur in one of every eight thousand live births&#8221;<span style="font-weight:bold;">&nbsp;</span></p>
<p>
<span style="font-weight:bold;">The Stimulus</span><b>&nbsp;</b></p>
<p><b>The Smarter Wallet</b> presents <a href="http://thesmarterwallet.com/2009/obama-economic-stimulus-check-2009-stimulus-plan-save-economy/">Will The Obama Economic Stimulus Check and 2009 Stimulus Plan Save The Economy?</a> posted at <a href="http://thesmarterwallet.com/">The Smarter Wallet</a>, saying, &#8220;How will your family be affected by the stimulus bill?&#8221;<b>&nbsp;</b></p>
<p><b>Brian McKay</b> presents <a href="http://www.monitorbankrates.com/home/whats-in-the-stimulus-bill-for-you">What&#8217;s in the Stimulus Bill for You?</a> posted at <a href="http://www.monitorbankrates.com/">MonitorBankRates.com</a>, saying, &#8220;We have listed all the benefits for individuals in President Obama&#8217;s stimulus bill that was just passed.&#8221;<b>&nbsp;</b></p>
<p><b>Ella Moss</b> presents <a href="http://underzodiacclock.com/2009/02/20/new-economy-or-buy-american-stupid">New Economy, or Buy American, Stupid! « Zodiac Times</a> posted at <a href="http://underzodiacclock.com/">Zodiac Times</a>, saying, &#8220;So, the new stimulus package is passed, hopes are up, markets are down, and recession deepens. Everyone is blaming the housing market, unscrupulous bankers and inept previous administration. But very few seem to understand the true roots of our woes, and how deep our economic problems go.&#8221;<b>&nbsp;</b></p>
<p>
<b>Miscellaneous</b><b>&nbsp;</b></p>
<p><b>KCLau</b> presents <a href="http://kclau.com/blogging/group-writing/">Money Tips Group Writing Project</a> posted at <a href="http://kclau.com/">KCLau&#8217;s Money Tips</a>, saying, &#8220;Calling out for contributors to an e-book about personal finance.&#8221;<b>&nbsp;</b></p>
<p><b>nickel</b> presents <a href="http://www.fivecentnickel.com/2009/01/21/should-you-pay-your-kids-for-good-grades/">Should You Pay Your Kids for Good Grades?</a> posted at <a href="http://www.fivecentnickel.com/">fivecentnickel.com</a>.<b>&nbsp;</b></p>
<p><b>Money Tipper</b> presents <a href="http://www.moneytipper.com/archives/bring-proof-of-age-when-flying-with-young-children/">Bring Proof of Age When Flying With Young Children</a> posted at <a href="http://www.moneytipper.com/">Money Tipper</a>.<b>&nbsp;</b></p>
<p><b>Concerning Kids</b> presents <a href="http://www.concerningkids.com/tips-and-idea-to-help-child-proof-your-home.php">Tips And Idea To Help Child Proof Your Home</a> posted at <a href="http://www.concerningkids.com/">Concerning Kids</a>.<b>&nbsp;</b></p>
<p><b>Finance Tips 101</b> presents <a href="http://www.financetips101.com/alarming-identity-theft-statistics-are-cause-for-concern.php">Alarming Identity Theft Statistics Are Cause For Concern</a> posted at <a href="http://www.financetips101.com/">Finance Tips 101</a>.<b>&nbsp;</b></p>
<p><b>Relax</b> presents <a href="http://wisecurve.com/the-happy-way-to-spend-money/">The happy way to spend money</a> posted at <a href="http://wisecurve.com/">The Wise Curve</a>, saying, &#8220;we are happier when we spend money to gain experience than buying material goods&#8221;<b>&nbsp;</b></p>
<p><b> </b>  <b>jim</b> presents <a href="http://www.bargaineering.com/articles/total-cost-of-owning-a-dog.html">Total Cost of Owning A Dog</a> posted at <a href="http://www.bargaineering.com/articles">Blueprint for Financial Prosperity</a>.<b>&nbsp;</b></p>
<p><b>Concerning Kids</b> presents <a href="http://www.concerningkids.com/helping-your-healthy-child-stay-fit-for-life.php">Helping Your Healthy Child Stay Fit For Life</a> posted at <a href="http://www.concerningkids.com/">Concerning Kids</a>.</p>
<p>That concludes this edition. Submit your blog article to the next edition of <b>Kids and Money</b> using our <a href="http://blogcarnival.com/bc/submit_3789.html" target="_blank" title="Submit an entry to “kids and money”">carnival submission form</a>.</p>
<p>Past posts and future hosts can be found on our <a href="http://blogcarnival.com/bc/cprof_3789.html" target="_blank" title="Blog Carnival index for “kids and money”">blog carnival index page</a>.</p>
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