Ryan Russell presents It’s All Cash For Christmas! posted at My Money Thinks, saying, "That money is being used to make up the difference between our monthly gift budget and what we will spend during Christmas."

Michael Bell presents Online Poker Is Bad For You posted at live-it-true.com.

Ryan Russell presents Carnival of Smart Money #3 posted at My Money Thinks, saying, "KCLau presents Hacking your Cash Flow & Net Worth Chart posted at KCLau’s Money Tips, saying, “Learn how to hack the cash flow and net worth charts of the rich and you will be heading towards financial freedom in no time.”"

Investinator presents BASIC POKER STRATEGY posted at investinator, saying, "also check out my poker chart articles"

Ryan Russell presents Q & A: Does Your Budget Have Breathing Room? posted at My Money Thinks, saying, "Set financial goals. Be accountable to someone for your budget. If you are married, create and execute the budget together"

Ryan Russell presents Will YOUR Account Be ?In The Black? on Friday? posted at My Money Thinks, saying, "If it turns out that you get a sale price, GREAT! Compare prices- If you know the items you are buying, use the internet to compare prices before you leave"

Ryan Russell presents YES, it is possible to save money on utility bills! posted at My Money Thinks, saying, "Wash laundry in cold water. Use energy efficient light bulbs. Use fans, screen windows and doors to circulate air. Schedule and/or conduct a Home Energy Audit. Install storm windows and doors"

Ryan Russell presents 8 Great Money Gifts for Kids posted at My Money Thinks, saying, "Money Board Games - Games are one of the best learning tools available for learning about money"

Ryan-Careonecredit presents The Cost of Credit: Understanding APR and Balance Calculations posted at Care on Credit, saying, "Whether your interest is calculated daily, monthly, or yearly, the APR provides a standardized way of comparing the interest rates on different cards or loans"

Ryan-Careonecredit presents Bankruptcy - The Last Resort posted at Care on Credit, saying, "Are you considering filing personal bankruptcy? Before you decide to take this irreversible step, make sure you understand what bankruptcy is and how considering bankruptcy may affect you"

Ryan-Careonecredit presents Should You Pay Off Debt or Invest in Savings? posted at Care on Credit, saying, "Financial experts agree that savings is an important part of every budget and most recommend putting 5% - 10% of your income each month into savings"

Karen Halls presents Understanding How to Get a Loan After Bankruptcy posted at A Bankruptcy Lawyer's Blog, saying, "Getting a loan after declaring bankruptcy is not impossible, but it is just more difficult. After all, bankruptcy is a large black mark on a person’s credit report. It is important to understand, though, that there is life after filing bankruptcy and part of that life involves being able to be approved for a loan after bankruptcy."

Allen Taylor presents Student Housing - A Niche Market - The ?Echo Boomers? are off to College posted at Investing World Today, saying, "A confluence of trends in higher education are making student housing a potentially lucrative environment to park your real estate investment. While it’s potentially lucrative, it has its own unique mix of circumstances and setbacks, and you should be aware of them, and take measured steps into this market before sinking a lot of funds into it."

Thomas Humes presents Linear Income Versus Exponential Income Growth posted at Wealth Building World, saying, "When you focus only on increasing your value per hour and the time you spend, your income increases in a linear fashion. Scalability is what separates the upper middle income earners and the rich from the truly super rich. Scalability explains why someone can make 100 times more money within twenty-four hours than anybody else."

LAgend presents The Perfect Poker Hand: The Strategies posted at The Perfect Poker Hand.

Ryan-Careonecredit presents Bankruptcy Is Not The Only Way Out posted at Care on Credit, saying, "While it may provide financial relief, you should consider other alternatives to filing bankruptcy before making this tough decision"

Ryan-Careonecredit presents Learning About Debt Relief Programs posted at Care on Credit, saying, "Debt relief comes in many forms — credit counseling, debt consolidation loans, settlement and even bankruptcy"

Ryan-Careonecredit presents Do You Need Debt Relief? posted at Care on Credit, saying, "Feeling overwhelmed by your debts? Having trouble making ends meet? Unable to get ahead of your credit card debts? A Debt Relief plan may be your solution to getting control of your finances"

Ryan-Careonecredit presents Understanding Your Debt-to-Income Ratio posted at Care on Credit, saying, "If you want to get a picture of how your situation measures up, there's a simple way to figure it out"

Ryan Russell presents We Spend What We Want to Spend! posted at My Money Thinks, saying, "Absolutely, there are financial challenges facing our country this holiday season. We spend what we want to spend"

Ryan Russell presents Priceless posted at My Money Thinks, saying, "One way or another, Christmas shopping will come to an end today. The last store will close; the last delivery truck will run; and the family gatherings will begin"

Ryan Russell presents Money Motivation for the Middle of the Month posted at My Money Thinks, saying, "Identify a spending category from the budget and try to spend as little as possible in that category"

Ryan Russell presents Many Happy Returns? posted at My Money Thinks, saying, "It’s one thing to explain that Santa got the helmets mixed up with some other boys and girls but quite another to return helmets that have already been opened! Here are a few tips for many happy merchandise returns"

Ryan-Careonecredit presents Save Money On Your Credit Card Bills posted at Care on Credit, saying, "Finance charges are the price you pay for using borrowed (the credit grantor's) money"

Ryan-Careonecredit presents Disputing A Credit Card Billing Error posted at Care on Credit, saying, "Keep in mind it only applies to revolving credit accounts such as credit cards, department store cards, and overdraft protection for your checking account"

Ryan-Careonecredit presents Charge Card, Credit Card, Debit Card – Which One Is Rightfor You? posted at Care on Credit, saying, "There are many variations when it comes to those little plastic cards"

Ryan-Careonecredit presents Reduce Your Credit Card Debt and Save Money posted at Care on Credit, saying, "What happens if you only pay the minimum monthly payment each month? The chart below illustrates how much longer it takes to pay off a credit card bill if you only pay the minimum amount required by the lender each month."

Ryan-Careonecredit presents How Does the Fair Credit and Charge Card Disclosure Act Help You? posted at Care on Credit, saying, "Why is there so much information on your credit card statements? Because the Fair Credit and Charge Card Disclosure Act, designed to protect you, requires creditors to provide you with certain data on a regular basis"

Investinator presents BANKROLL AS OF 12/31/07 posted at investinator.

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

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