By Jessica Hupp

For many men, sugar mommas are the holy grail of women: they’ll support you, want very little to do with you beyond sex, and often take care of themselves quite well. To land one of these gems, you’ll have to be smart about it and separate yourself from the pack. Read on to learn about places you can find one, how to make a sugar momma interested in you, and advice on maintaining your special relationship.

Finding a Sugar Momma

To land a sugar momma, you’ve got to figure out where to find one. These are a few places you’re likely to find one of these urban cougars:

• Cultural and charity events: Women with money generally love culture and philanthropy. Get a piece of charity from one of them by making yourself visible among the socialite set. Whether that means landing an invite yourself, or just playing the part of the cute waiter, get yourself in the door at events to get yourself in front of potential sugar mommas.
• High-end jewelry stores: Another thing well-moneyed women often love is shiny baubles. Pretend to shop there, or even better, land a job working there. You’ll gain knowledge of one of the things she loves and be raised to the level of confidant. You’ll also get her phone number when she completes a sales ticket.
• Country clubs: Country clubs and even yacht clubs are places where weathly women like to hang out. We can probably assume because you’re looking for a sugar momma that you can’t afford to join one of these clubs, but getting in the door as an employee should be no problem. The possibilities here are endless. Being a pool boy, bartender or even a golf caddy all put you in a position to flirt with moneyed women.
• Estate sales and auctions: To find a sugar momma at an estate sale or auction, you have to look further than the one down the street that auctions off old police cars. We’re talking about the high end sales that feature one of a kind antiques and art pieces. You can always get connected by loading a new purchase into her car.

Attracting a Sugar Momma

Once you’ve found a sugar momma, you’ve got some more work to do. You’ve got to make her want you now, although chances are good that if she’s interested, she’ll pursue you. Rich women are used to setting their sights on something and taking it. The key is to make yourself visible and attractive to her. Here’s how:

• Take care of yourself: Although some sugar mommas may see an unkempt man and get the urge to fix him up, it’s more likely she’ll be turned off by your appearance. Dress nicely, get a haircut, even consider getting spa treatments. Remember, you’re not the only man on the hunt for a sugar momma. Make yourself stand out.
• Be youthful: Many sugar mommas are attracted to the youth their less-moneyed partners often bring. So make sure you look young and have a youthful enthusiasm. Of course, don’t go overboard by bringing her to your frat party.
• Be unique: Sugar mommas are used to being approached. Again, remember that you’re not the only one vying for her attention. Do something to differentiate yourself, whether it’s taking up an interesting hobby or just approaching her in a unique way.
• Relate to her: You may be worlds apart, but you’ve got to find a way to get to her level somehow. If you’re at an auction house, ask her what she thinks about the piece that earned the biggest payday. At a charity event, discuss her involvement with the organization. Flirt, be charming, and give compliments. Otherwise, she may not even notice you.

Keeping things going

Maintaining a relationship with a sugar momma can be tricky, but if you follow a few guidelines, you should have success. These are some of the most important:

• Never ask her directly for money: Don’t be crass about money and your special relationship, or you’ll break the illusion and ruin everything. Although the truth may be that you want her money more than anything else, making this point blatantly clear is just plain rude and a turnoff. Instead, lay very subtle hints about what you desire.
• Show her a good time: If you’re not making your sugar momma happy, she’s not going to keep you around very long. Satisfy her desires, keep her entertained, and make sure to always keep her interest.
• Stay classy: Never remind her that most of your polish comes from her money. Rather, present yourself as an equal in a confident manner.
• Make her feel special: Give her what she wants and treat her like the most important woman ever. She’s probably used to buying what she desires, so take care of her in the ways money can’t buy, but also let her nurture you.

By following these steps and guidelines, you should be well on your way to living the good life for free. Just be sure to enjoy it while it lasts.

Greetings! Welcome to the 27th edition of the Carnival of Money, Growth and Happiness. We have selected 39 posts for this edition. Here you go:

Lucynda Riley presents 2008 HGTV Dream House Review posted at Bound Down South.

Dereck presents A Comprehensive Diagnostic Analysis Of A Misbehaving Stock Market—Part I posted at The Best Stock Trading in the World.

Ralph Jean-Paul presents Hunter,Scavenger or Prey:Which Life Are You Living posted at Potential 2 Success. Are you actively pursuing your goals or passively waiting around for them to come to you? Learn to how passionately achieve your goals with the skills of an efficient hunter.

Pivotal Investor presents Mortgage bailout gives thousands to foolhardy posted at Pivotal Investing. The mortgage bailout rewards unwise risk takers who bit off more than they could chew by giving them thousands of dollars to live in homes they could ill afford.

Mitch McDonald presents Scar Treatment Solutions posted at FYI About.com.

Roger Haeske presents What it Feels Like to be Free of the Overwhelming Desire to Eat Cooked Food posted at Raw Food Diet, Bodyweight Fitness and Peak Performance Living.

Investing Angel presents Is Trading For You? posted at Stock Tips. See if stock trading is the right for you!

Lucy Baldwin presents Buying Gold 101 For Beginners posted at Gold To Buy: Investing in Gold. Here is a beginner’s guide to investing in gold.

Dr. Joe Capista presents The Success Triangleâ„¢ Can Increase Your Opportunity for Success posted at The Success Triangle. In order to have a successful business, you have to have a solid foundation. The types of systems you have in place support that foundation. Without a strong foundation, success is fleeting at best.

Madeleine Begun Kane presents Love At First Sight (Limerick and Haiku Prompt 3) posted at Mad Kane’s Humor Blog.

Blaine presents The new year is full of hope and promise posted at BlainePower.com. The new year is full of potential for success and change for the better. It’s time to look back upon the year 2007 and appreciate our lives and all we’ve done to push ourselves forward, and keep on moving forward through 2008.

Sunny presents 50 Artist Dates posted at Dandelions and Daydreams. A list of 50 artist dates to renew your creativity.

Dave presents Win-Win Referrals - Vox posted at Cheapo Groovo.

Kingsley Tagbo presents HOW TO OVERCOME PROCRASTINATION IN 8 EASY STEPS posted at HOW TO LEARN COMPUTER PROGRAMMING FAST OR GET A JOB EASILY.

Marcus Hochstadt presents Pay Business Expenses Wisely And Travel For Free posted at Marcus Hochstadt. Do you pay your business expenses wisely? Or like the headline indicates, would you like to travel the world for free (which is one opportunity that occurs when you pay your expenses wisely?) Marcus Hochstadt tells you how…

Bill presents Shocking Course Correction Secret Revealed posted at The Bubble Planner.

Graham Bradlington presents Quickly Finance News » Improve Your Prospects With A Bad Credit Secured Loan posted at Quickly Finance News. Having a bad credit history with all the negative entries in your credit report such as late payments, defaults, County Court Judgements (CCJs), and bankruptcy certainly makes it difficult for you to avail of credit.

Warren Wong presents How To Find A Wife / Husband posted at Personal Development. Tips on finding the right wife / husband for a happy marriage.

Edith presents How to Stay Focused posted at Edith Yeung.Com: Dream. Think. Act.. Are you distracted? Are you thinking about 3 things at the same time? Do you have more than 3 screens opened on your computer right now? If you said yes to any of the questions above, please stay focused here and read on.

Mark presents Responding to Millionaire Mommy Next Door posted at Mark@TheLocoMono. Mark@TheLocoMono responds to a question posed by Millionaire Mommy Next Door. Have you responded to her question?

Hill Robertson presents It’s a New Year - Get Your Butt in Gear posted at Hill Robertson. Start the new year off setting goals and establishing successful habits.

ChristianPF presents Primerica pros and cons | ChristianPF.com posted at ChristianPF.com. Discussing the pros and cons of Primerica.

Paidtwice presents Gift Cards - I Like ‘Em! posted at I’ve Paid For This Twice Already…. Some people think a gift card is an impersonal gift. I think a gift card is a great gift for a frugal person because it gives the gift of shopping to a person who might not otherwise spend on themselves!

Jacob presents Bicycle commuting posted at Early Retirement Extreme. Jacob says, ” I use my bike to commute to work and save about $600 annually in gas and car costs. Here’s how to do it.”

Samuel Bryson presents Living In the Now – The Philosophy of Happiness with a Twist of Zen posted at Total Wellbeing.

Silicon Valley Blogger presents Looking For A Place To Live? 7 Ways RottenNeighbor.com Can Help…. Maybe. posted at The Digerati Life. Before you buy or rent a home, check out what the neighborhood is like with RottenNeighbor.com!

Charles H. Green presents A Better New Year’s Resolution Redux posted at Trust Matters. Every new years we make resolutions we wind up breaking. Perhaps instead of resolutions, with thier dissatisfaction, we should take stock of what we’re grateful for.

Jon Symons presents Retirement Strategy #435: Buy Million Dollar Junk at Garage Sales posted at Smart Money Daily. All you have to do- it’s so simple it’s hardly worth mentioning- is buy cheap pictures and picture frames and other junk at garage sales, and then later accidentally discover that your sparkling new $1 painting is actually worth $100,000, or a million.

Raymond presents How To Choose The Best Online Discount Brokerage Firm - Part 1 of 2 posted at Money Blue Book. How to choose a good broker to invest with.

Dan-O presents Learn the Proven Money Making Keys to Successful E-commerce posted at Danogo.com - Discover. Inspiring . Media. Outlines the critical factors used by sites like Amazon and eBay that can be used to put together an online money making business.

David B. Bohl presents Success in 2008? It’s Achievable – And Here Is How You Can Do It! posted at Slow Down Fast Today!. How do you define success? Are you successful when you achieve your goals you set out in life? Or do you feel successful even when you haven’t achieved them all, but are working towards them and feel good in life?

Value Seeker presents Are Mutual Funds For You? posted at Stock. Complete stock investing resource featuring advice on how to pick stocks, mutual funds tips, and stock broker reviews., Mutual funds and index funds are often good investments. But are they for you?

Ryan-Careonecredit presents Where Should You Put Your Money? posted at Care on Credit. The answer is all of them. Anyone who is looking to maximize his or her investment portfolio should have different types of investments.

KCLau presents Life is Harder at Taipei posted at KCLau’s Money Tips. Living standards in Taipei and how to be financially smart there.

Slackerwealth presents Dogs of the Dow: Do it yourself vs Mutual Fund vs ETN posted at A Slacker’s Quest for His First Million. Discusses merits of three different ways of using the Dogs of the Dow strategy to invest.

Christine presents Monetizing Your Website Through Inspiration and Desire posted at Me, My Kid and Life: An American Single Mom Living in France.

Steve Faber presents - Top Ten Careers - Are You Ready for a Change? posted at Debt Free. Are being downsized? There’s a good chance if you’re in the financial services industry. Maybe you just want to go in a different career direction. Here’s a bit of guidance to help. It’s not just about the money, but more money sure never hurts.

Justin Duval presents www.DarkGrin.com - mind TRIP posted at The Dark Grin. About managing the goals of money with the goals of a happy life.

Roshawn Watson presents Taking Control of Your Financial Life posted at Watson Inc. Either consciously or subconsciously, we steer our financial lives. Throughout the day, we make a myriad of decisions that move us steps closer to success or mediocrity and financial struggle.

That concludes this edition. Next edition of this carnival will be hosted here on January 14, 2008. Submit you blog articles using our Blog Carnival Submission form.

By Laura Milligan

Whether you have a dog, cat, bird, fish or reptile living somewhere in your house, you most likely consider your pet another member of the family. Keeping your pet’s health in check and making sure the yard is full of toys and fun can be a struggle, though, when we’re also trying to balance our own doctor’s appointments and plans with friends. This list is your one-stop resource for taking care of your pet, with links and guides for keeping your fuzzy (or scaly) friend healthy and happy.

Top 10 Tips

Read below for our collection of the top 10 tips you need to know in order to take care of your pet.

1. Do your research: Before you decide to take a pet home, do the necessary research to make sure your family and home are ready to care for an animal. Find out what kind of pet and which breed best matches your lifestyle, and outline a schedule of how often you’ll need to exercise it, how much time you’ll need to train it and the amount of attention you can honestly give the new pet.
2. Get your pet spayed or neutered: Unless you’re seriously thinking of breeding your pet, you should have it spayed or neutered. Not only will you prevent an unwanted pregnancy which can result in stray dogs or cats, but your pet will also probably become calmer and more docile.
3. Grooming: All pets, especially dogs and cats, need to be groomed regularly. Skin diseases, overheating and general discomfort can result from a pet with heavily matted hair, infected teeth and gums and untrimmed toenails and claws.
4. Exercise: A pet that doesn’t get enough exercise can become destructive around the yard or in your house. Use up its energy in a constructive way by taking it for a walk, playing fetch, or chasing it around the backyard each day.
5. Regular trips to the vet: The cost of taking your pet, especially a young one, to the veterinarian each year can add up, but skipping doctor’s appointments can lead to major trouble. Your pet will need the basic vaccinations to protect against certain diseases which could even affect your family. Never skip routine trips to the vet.
6. Fleas and ticks: When fleas and ticks infest your house or yard, your pet will probably end up with irritated skin from all of the scratching and maybe even lyme disease. Protect your pets against fleas and ticks by reducing your pet’s exposure from the parasites, using a flea collar and treating your entire home and yard.
7. Create a special place for your pet: Whether it’s a bird cage or dog bed, give your pet a special corner of the room to call its own. This give your pet a spot to wind down at the end of the day and make it feel more secure about its place in your home.
8. Healthy diet: Pet food recalls, pet obesity and food allergies are a few of the diet concerns pet owners have these days. Most store-bought pet foods are generally safe, but if your pet starts showing negative effects to its food, work with your vet to develop an adequate, healthy diet.
9. Safety: Many of us regard our pets as mini security systems, whether they sound the alarm against intruders by chirping, barking, or hissing; however, our pets also need us to protect them from stray animals, unguarded swimming pools, and dangerous chemicals or foods within their reach. Learn how to pet proof your home by following these tips.
10. Attention: Most importantly, your pet deserves as much attention as you can give it. Your pet views your household as its family and depends on you to love it and protect it.

Blogs

Check out these blogs to find tips, tools and advice for taking care of your pet.

11. PetsBlogs.com: This “blog for pet lovers” publishes articles about dogs, cats, birds, fish and other aquatic pets. Learn about current health and safety news, get tips on caring for your pet and more.
12. The Poop: Despite its unsavory name, this site features a cheerful pet blog with resources for finding “adoptable pets from animal welfare organizations across the country.”
13. Pets Mini-Magazine: Browse through photos of cute pets and read articles and stories about training, grooming and more.
14. Embrace Pet Insurance Blog: The Embrace Pet Insurance company sponsors this blog, which posts stories about pet insurance, pet health, new products and nonprofit organizations.
15. Pet Pals Blog: This blog from the AARP features funny photos of people’s pets and posts resources for animal rescue shelters.
16. PetStrong.com: Pet trainer Danielle Sheffler profiles different breeds of dogs and cats, making her blog a great resource for anyone wanting to research a new pet.
17. My Pet Blog: My Pet Blog discusses all things pet-related, from new pet products to animals in the news to animal abuse.
18. dogsblog: Learn about rescue dogs and dogs for adoption at dogsblog.com. All kinds of dogs needing new homes can be found on this site, from mutts to Great Danes to Jack Russells to Shar-peis.
19. Pet Forum: Check out the Pet Forum on Pettags.com to find information about breeders and pet products for dogs and cats.
20. Pet Herbal Info Blog: This blog posts articles on “treating your pet holistically.” Pet owners can find articles on training, healthy pet recipes, picking out a new pet and more.
21. The Pet Haven: Recent titles on The Pet Haven include “Cat Proof Your Home” and “Animal Rescue Site Needs Help.” Owners of exotic pets and fish can also find helpful resources here.
22. Animal Hubbub: Animal Hubbub is a popular blog in conjunction with AOL Connection, designed just for “pets and their people.” Read hilarious pet anecdotes, and catch up on important pet news for information on dogs, cats, horses, birds, reptiles, rabbits, guinea pigs and more.
23. Pet Prayer and Praise Blog: If you have a sick pet at home, submit a prayer request to this website, which generates new pet prayer lists each Sunday.
24. Petville: Petville is the online source for “pet views and news: a place to celebrate, learn about and talk about your pets.” Regular posts profile different animals, report on pet-related news, and discuss different health problems and treatments for all kinds of pets.
25. Simple Pet Care: Simple Pet Care covers pet nutrition, introducing to dogs to children and other resources for dogs, cats, birds and small pets.
26. Pet Travel Blog: Pet owners will find great tips for traveling with their pets from the posts on this blog.
27. Pets.ca: This Canadian blog hosts a pet podcast and popular blog about dogs and cats. Recent titles include “Top ten tips on being a great pet owner” and “Allergies to dogs and cats.”

Expert Advice

These experts provide pet owners with all kinds of tools and support for taking care of their furry friends.

28. Pet Connection: Check out this blog from Dr. Marty Becker, the “best-loved family doctor for pets.” You’ll find pet-related news, pictures and tips, as well as Dr. Becker’s syndicated weekly pet column.
29. Cesar Millan: Visit the Dog Whisperer’s official website to gain access to Cesar’s professional tips, discuss your pet’s behavior on the forums, read monthly newsletters or sign up for seminars.
30. Dr. Jon: Veterinarian Dr. Jon answers questions about your pet problems on his website Pet Place. You can also obtain information about medicine, insurance and training from the resources on the site if you need an immediate answer.
31. Orvis Pet Experts: Outdoor clothing and accessories company Orvis has a team of pet experts ready to answer questions about Orvis pet products.
32. Dr. Polsky: This animal behavior specialist is also an expert witness for cases that involve dog and cat bites or attacks. Check out his website for statistics, attorney databases, and other resources.
33. DogChannel.com: Meet the dog experts at DogChannel.com: Vet Jon Geller, groomer Kathy Salzberg, trainer September Morn, and Dog Whisperer Cesar Millan. Read their tips for giving your dog the care it deserves.
34. CatChannel.com: Receive expert advice from the veterinarians and cat behavior consultants at CatChannel.com.
35. Pet Education.com: Learn the basics of pet ownership from Dr. Foster and Dr. Smith on this useful site.
36. Ask the Dog Expert: Submit a question for the dog expert at LoveToKnow Dogs, or check out previous responses to questions about giving birth, Zoloft and more.
37. Practical Pet Care: This site hosts several different forums for pet owners to consult the experts about problems with their dogs, cats, birds, turtles, fish, farm animals, guinea pigs and more.
38. Andrea Arden: Expert dog trainer Andrea Arden answers questions in this New York Magazine interview entitled, “The Everything Guide to Getting a Dog.”
39. Obedience Training: Become your pet’s pack leader by mastering these obedience training techniques.
40. Cat Training: Expertly train your cat to be a friendly, housebroken pet with the tips given on this blog.
41. Dr. James Glover: Bird expert Dr. James Glover answers pet owners’ questions at Pet Peoples Place. Ask him anything related to bird health, food, breeding and behavior.

Health

A healthy pet equals a happy pet. Learn how to take care of your pet properly with these tips and resources.

42. Pet Medicine: This blog offers free information about pet health and medications. Learn about different treatments, grooming techniques and more.
43. Televets: This online pet support center has certified pet advisors ready to answer health questions 247/7.
44. The Pet Center: This site offers all kinds of advice for pet owners. Learn about pet nutrition, surgery and general health care. Visitors can also take quizzes to discover how much they really know about taking care of their pets.
45. Medline Plus: This government-sponsored website provides general health information and links to veterinary associations, the FDA, first aid tips for pets, and more.
46. AVMA Poison Guide: The American Veterinary Medical Association publishes an online poison guide for help in the event your pet ingests something poisonous.
47. Seasonal Health Tips: Discover the proper ways to care for your pet in the summer heat, during the hectic holidays and during flea season.
48. Pet Medical Glossary: The National Center for Infectious Diseases publishes this glossary of terms to help pet owners better understand their animals’ diseases and health conditions.
49. HealthyPet.com: This website for the American Animal Hospital Association has lots of resources for pet vaccinations, learning how to evaluate whether or not your pet is in pain or feeling sick and more.
50. Washington State University College of Veterinary Medicine: Check out the index of pet health topics on the Washington State CVM website. Search by procedures, common problems, diseases, or browse topics alphabetically.
51. American Red Cross: First aid is for pets too. The American Red Cross also posts the average temperature and heart rates for various-sized dogs and cats.
52. VeterinaryPartner: This website is on a mission to support your veterinarian and you in the care of your companion animals by providing reliable, up-to-date animal health information from the veterinarians and experts of the Veterinary Information Network” online.
53. Pet Health from MSNBC: Visit the Pet Health page on MSNBC.com to get the latest in pet news, health and general “help for owners,” including travel tips and accommodating your pets when you have company.
54. AVMA: Visit the official site for the American Veterinary Medical Association to access articles, tips and other resources for keeping your pet healthy and happy.

Articles and Guides

The following articles and how-to guides are full of helpful tips for learning how to adequately care for your pet.

55. Pet Food: The Lowdown on Labels: Understand exactly what kind of food you’re giving your pets with the information provided in this article.
56. Pets: Before and After a Disaster Strikes: FEMA educates pet owners on the proper actions to take before and after major disasters.
57. When a Pet Dies: Learn how to appropriately address the situation when a beloved family pet passes away.
58. Caring for Your Pet: These pet tips advise owners on how to keep their pets and homes clean, what to do to prevent pet poisoning, the questions to consider when choosing a vet and more.
59. Turtle Care: Turtles are popular pets for kids. Learn how to adequately care for one with the tips listed in this guide.
60. Pet Care: Tips for Health, Training and Pet-Friendly Travel: This extensive article provides quality information for evaluating the overall cost of a pet, finding pet-related legal support, using a pet sitter and more.
61. Pet Reptiles: An Owner’s Approach to Caring for a Couple of Scaly Friends: This article gives readers advice on caring for pet reptiles. Read about maintenance, behavior traits, and special diet concerns.
62. Pet Safety: Tips for Introducing a Pet Into Your Home: Small children and pets may or may not get along right away. Check out this guide for bringing a pet into your home safely.
63. Caring for Your Pet Rabbit: 8 Things You Need to Know: This article lists ideas for bunny-proofing your home and keeping rabbits healthy and safe.
64. Caring for Your Older Pet: This article details the necessary check ups and extra health problems that older pets may experience.
65. Getting Pet: Animal Planet’s “Getting a Pet” guide asks readers to consider buying vs. adopting, overall cost, and matching the right environment when getting a new pet.
66. Caring for a Blind Pet: This article from Associated Content explains how to care for a pet that is blind, whether it was born with the condition or developed it later in life.
67. Caring for Your Pet When Called to Duty: The 4 Military Families site publishes this article, which details the unique situation military personnel are faced with when called to duty.
68. Pet Tips: This website features great guides to caring for your pet, from “Preparing to Bring Home a New Pet” to “Taking Your Pet to Work.”

Resources

These resources are designed to give support and offer advice for owners of all kinds of pets.

69. Pet Love Shack: This site has information for adopting pets from rescue shelters.
70. The Dog Owner Club: Browse categories like training, videos, news and health or search for specific breeds to find information and support for your dog.
71. Animal Concerns: Join this online community in discussions about pet health, animal rescue, factory farms, breeding, animals in the entertainment industry and more.
72. Traveling With Your Pet: This guide gives valuable tips for traveling with pets on airplanes, trains, buses, in the car, or on camping trips.
73. Petfinder: Choosing to adopt a pet from an animal shelter will undoubtedly save an animal’s life. But how do you know you’re getting the pet you really want? Use this website to locate animal shelters and adoptable pets, including horses, reptiles, rabbits, dogs and cats, around the country.
74. Next Day Pets: This online directory will connect you to dog breeders and adoptable dogs.
75. Special Needs Pets: Some pets need extra care. This website provides resources for physically disabled pets, choosing a vet, pet hospice, and other methods for “advocating your pet.”
76. Advocacy for Animals: The Encyclopedia Britannica’s Advocacy for Animals blog posts articles about animals and the environment, pets, animals in the news, health and nutrition concerns and more.
77. iVillage Pets: This typically woman-centric resource also has a Pets page, with expert advice, fun quizzes, message boards and a symptom solver.
78. Top Pet Tips: This website gives lots of excellent tips for housebreaking your dog or cat, training, grooming and more.
79. Best Friends Animal Society: The Best Friends society works with The Humane Society and animal lovers everywhere “to bring about a time when there are No More Homeless Pets.” Visit their website to find out how you can donate to the cause, need help finding a place for the pet you can no longer care for, or just want useful tips for taking care of your family’s pet.
80. The PetWork: The PetWork “is a national network of pet resources, pet-related web sites, and information about pets, for the people who love them.” Visit often to check out the rescue guide, photo gallery and health guide.
81. American Kennel Club: This official site has information and profiles on every breed of dog. Find breeders, get tips on caring for your unique dog, and find out about special events and dog shows hosted by the AKC.
82. The Humane Society: Find pet adoption information, pet-related news and health updates, and other “issues affecting our pets” at The Humane Society’s website.

Indoor Pets

Caring for an indoor pet welcomes a whole new set of challenges. This list will help you promote a healthy, happy atmosphere for both you and your pet.

83. Doctor Dog: The doctor dog gives tips on dealing with indoor dogs and cats, large and small.
84. Backyard Dog, Outdoor Dog: This fact sheet from paw-rescue.org lists the pros and cons to keeping dogs inside and outside.
85. Indoor vs. Outdoor Cats — Which Way is Best?: Cat owners should check out this article to figure out if their cat belongs inside the house or out.

Obedience Training

Train your dog or cat with these surefire tips.

86. Dr. P’s Dog Training Library: This online database provides a wealth of resources and articles about training your dog.
87. Cat Training: How Cats Learn: Before you start training your cat, read this article to better understand cat psychology and understand how they learn.
88. How to Train a Dog: Follow this step-by-step guide to begin training your dog to sit, stay and come.
89. The Proper Way to House Train Your Cat: This article from Buzzle.com lists the different ways you can train your cat to use the litter box.

Miscellaneous

From traveling with a pet to world famous cat and dog shows, this list of resources completes our toolbox.

90. Ten Top Tips for Happy Pets: The Association of Pet Behaviour Counsellors documents ten tips for keeping your pet happy, whether you have a dog, cat, rabbit, horse, parrot, guinea pig, or rat.
91. The Partnership for Animal Welfare: PAW is a charity that was “chartered to facilitate the rescue and adoption of homeless domestic animals, mainly dogs and cats, and place them in loving and stable homes.” Visit their site for information on adopting pets or participating in advocacy programs and events.
92. A Quick Guide for Cat Care: These “nine tips toward a longer and healthier life” include taking care of your cat’s teeth, keeping your cat “slim” and taking it to the vet for regular check ups.
93. The Cat Site: This website teaches you how to do everything better for your cat, including “How to Take Good Pictures of Cats” and “Living with Cat Allergy.”
94. Pet Travel Center: If you want to take your pet with you on your next family vacation, check out this website to find pet-friendly hotels, tips for traveling with pets, veterinarians and pet hospitals in your travel city and other pet travel-related articles.
95. So You Want a Pet Rabbit: Basic Rabbit Behavior: Before bringing a pet rabbit into your home, read this article to make sure you know what to expect.
96. Dog and Cat Grooming, a Beginner’s Guide: This article divulges the right way to groom your dog or cat. Print out the Health Notes chart to document any abnormalities you discover while grooming.
97. Petsmart Care Guides: These expert-developed care guides give pet owners information on how to take care of birds, reptiles, fish, and a variety of dog breeds.
98. Pet Allergy Solution Guide: Learn how to live with both your favorite pet and your allergies with the tools and products found here.
99. Westminster Kennel Club: Check out the official site for the annual Westminster Dog Show.
100. The Cat Fanciers’ Association: The CFA is the “world’s largest registry of pedigreed cats.” Get breeder information, read profiles on different types of cats, and find out about upcoming cat shows.

By Heather Johnson

The holiday season is fun and full of good times, but it’s also quite expensive. Nearly everyone feels the crunch from gift giving to travel and parties. But there’s hope-we’ve found over 50 ways to save money while still getting the most out of the Christmas season.

Gift Giving

Gifts are perhaps the biggest holiday expense, with the average family spending close to $1,000 each year. It’s not likely that you can just stop giving gifts, but if you’re smart about it, you can spread cheer withouth busting your bank account.

1. Propose a white elephant exchange: Instead of buying gifts for everyone in a certain group, try buying a gift that everyone will enjoy, and play a game to determine the gifts everyone will go home with.
2. Replace individual gifts with Secret Santa: If your family or group of friends is large, you’re likely spending lots of money and everyone else is probably feeling the expense, too. Suggest a Secret Santa exchange so that you can focus on getting one person the perfect gift rather than spreading yourself and your finances thin.
3. Keep a list: It’s easy to forget what you’ve already gotten and then over buy, so make a list and check it twice.
4. Buy early: It’s hard to feel Christmasy in April, but spreading out your shopping is a great way to make December a little more affordable. Have gift ideas for specific people in mind and stay alert for good deals on these items year round. Buy them when it makes sense and squirrel them away until Christmastime. This isn’t just a good money saver, it’s a stress saver, too.
5. Buy late: If you can’t buy early, procrastinate. Many stores start discounting in the two weeks before Christmas for “last minute” shoppers, because their rush came in late November and early December.
6. Frucall: Get online comparison shopping done from your mobile phone with this service. Put in the barcode of the item you want to look up, and it will tell you prices from various retailers.
7. Slickdeals: Use Slickdeals to be alerted about some of the best bargains both online and off.
8. DealsPlus: Like Slickdeals, DealsPlus is a great way to find good deals online.
9. eBay: People are selling stuff to raise Christmas cash for themselves, so take advantage of the rush and get a bargain on this auction site.
10. Freecycle: Keep an eye out year round for interesting items you can get for free on Freecycle.
11. Order early: By ordering with enough time left over, you’ll avoid costly express shipping.
12. Don’t buy extended warranties: If you’re buying electronics, don’t bother with an extended warranty. They’re a complete waste of money and a huge cash cow for retailers.
13. Leave your kids (or husband) at home: Ladies, you probably already know this, but leaving your shopping helpers at home can help make things cheaper. Extra help tends to make your shopping cart fill up faster.
14. Buy used: Used books, even toys and other items are usually perfectly fine to buy used. This is especially smart for small children-some things often haven’t even been opened.
15. Regift: It’s taboo, but if you’ve gotten something that you’re not interested in, but you know your Aunt Sue would love, go for it.
16. Shop local: Buy from local craftsmen, and you’ll probably save money while getting unique items. Check out school craft fairs, co-ops, and Christmas markets.
17. Shop Black Friday: There are some great deals to be had on Black Friday, but be sure to have a game plan and a list.
18. Shop Cyber Monday: Like Black Friday, Cyber Monday is full of deals online.
19. Comparison shop: Books, DVDs, toys, and lots of other items often have huge discrepancies from one retailer to the next. Check out multiple prices, both online and off, to save money.
20. Pay cash: Paying cash will make you stick to your budget, and you’ll save on interest fees in January.
21. Give old toys: If your child is mature enough to understand the signifigance, give them an old favorite toy of yours.
22. Ask for free gift wrapping: Many stores do this for you, and it will save you money, time, and hassle.
23. Get crafty: Homemade gifts aren’t for everyone, and you have to make sure it’s actually cheaper, but creating your own Christmas gifts is a great way to give heartfelt presents that don’t cost a whole lot.
24. Try Wrap Art: Wrap Art is creative wrapping from stuff you have around the house.
25. Be charitable: Pay admission to events with a small charity gift when you can, and make tax-deductible donations for either yourself or a gift recipient.

Travel

Christmas travel is often stressful but necessary. If you’re going to see Grandma, keep these tips in mind to save money and hassle.

26. Pick your dates wisely: By being flexible with flight dates, you can save lots of cash.
27. Comparison shop: Sites like Kayak are great for checking out fare deals.
28. Pay attention to timing: Fares vary depending on when you buy them. Six weeks out is usually best.
29. Check alternate airports: If there’s another airport near your destination, consider checking fares to that airport as well, especially if you’re planning on renting a car anyway.
30. Travel light: Most airports give you a limit of 50 pounds per piece of checked luggage before they start charging, but the charges are steep.
31. Consider a package deal: Package deals this time of year can be great bargains, but of course make sure you were planning on paying for a hotel, rental car or other extras that the package includes.
32. Use frequent flyer miles: Cash in the frequent flyer miles you’ve been earning all year to get a free or discounted trip.
33. Hit the road early: If you’re traveling by car, you’ll get better gas mileage if the roads aren’t too crowded.
34. Plan your fillups: If you’ve got time, map out your fillups based on cheap gas prices. You can use websites like GasBuddy to monitor prices all over the US and Canada.
35. Bring snacks: Don’t buy expensive food on the road if you can help it. Instead, bring crackers, granola bars, and other easily-stored snacks.
36. Make pet arrangements early: If you’re boarding Fido, make your reservations early. Otherwise, you might get stuck with most expensive, least a
37. Reserve a spot for your pets early: Ask a friend to watch Fido while you leave town for the holidays, or consider other similar options if you wait too long, because the good kennels book fast this time of year.
38. Get good directions: High gas prices mean getting lost is more expensive, so plan your route as best you can.
39. Do a quick car check-up: Nothing busts your budget faster than auto work while on the road. Do a fluid, tire, and brake check at home before you hit the road.

Attending & Hosting Parties

Holiday parties can be a blast, but outfits, hostess gifts, food, and drink can add up to a huge bill. Save money on soirees with these tips.

39. Don’t go to them all: Is it really that important to go to your cousin’s friend’s party? It’s OK to say no to parties if you’re booked and strapped for cash.
40. Buy one good holiday outfit: Wear the same outfit to every party, unless you’ll be seeing the same people over again.
41. Buy or create hostess gifts in bulk: If you’ve found one good hostess gift that everyone will like, stock up. Wine is often sold at a volume discount at liquor stores. You can also just make a bunch of cookies one afternoon and package them up for each party you’re going to.
42. Go potluck: Take the cooking pressure and cost off of yourself by asking each guest to bring their favorite dish.
43. Get a free turkey: Around Thanksgiving, many grocery stores will give you a free turkey if you spend $25 at their store. Don’t just do this for Thanksgiving, plan your shopping trips right and you can get one to freeze for Christmas.
44. Shop for liquor early: This is the drinking season, and more affordable liquors often go quickly. Buy early to get the best deals on alcohol.
45. Make just one cocktail: If you’re hosting a party, don’t stock a full bar. Pick just one cocktail to serve at your party. Manhattans and egg nog are holiday favorites.

Buying for next year

It’s too late for this year, but this is the ultimate in Christmas saving. These items are commonly marked down at the end of the season and can be easily stored-just put them in the attic with the rest of your Christmas stuff and don’t worry about buying them next year.

46. White elephant gifts: These are generic anyway, so buying ahead shouldn’t be a problem. But beware if you’re buying candles-they can melt if your attic or basement gets too warm.
47. Christmas cards: You need new ones every year, but somehow the styles stay the same. Get them half off or more by buying after Christmas or after the card sending rush of mid-December.
48. Lights: Even backup replacements are worth it at this price.
49. Gift wrap: Gift wrap gets very cheap at the end of the season and can be used for next year and beyond.

More ways to save

Save even more money using these tips.

1. Hand deliver cards: Save on postage by hand-delivering Christmas cards to local friends and family.
2. Upgrade your credit card: Get a 0% APR card just before the holidays to avoid interest charges, and pay before the 0% period is over. You can also look for rewards to ease the crunch later.
3. Return crappy gifts: If they truly suck, don’t hang onto them. Get cash to pay your bills or buy something you really like. You can even sell them on eBay.
4. Get a store credit card: These are generally a bad idea, but if you’ve got volume shopping to do in one store, the sign-up discount can go very far. Just be disciplined and pay as soon as you get your statement. They’re counting on interest from you, but don’t let them get it. Pay before your grace period is up.
5. Buy energy-efficient lights: Christmas lights can make your electricity bill grow around Christmastime, so help lessen the blow by getting more efficient lights.
6. Get your kids to make decorations: Save decorating money by enlisting the help of children to create snowflakes, ornaments, and popcorn garland.

Greetings! Welcome to the 26th edition of the Carnival of Money, Growth and Hapiness. We have selected 36 posts for this holiday edition. I hope you will enjoy reading these. Here you go:

Chris Wondra presents Primerica Mortgage: Did I Get Scammed? posted at Chris Wondra . com. Some say Primerica’s approach is a scam. Others praise them. This is our story after refinancing with a Primerica SMART loan two years ago.

Fred Black presents Dumbo posted at Fred Black: Internet Business Blog..

The Skilled Investor presents The Fund Authority Score - A Better Mutual Fund and ETF Rating System posted at THE SKILLED INVESTOR Blog. With the Fund Authority Score system, individual investors can make concise and objective mutual fund and ETF comparisons. Fund Authority Scores are based on cost, performance, and other measures, which are correlated with better long term buy-and-hold investment results.

Free From Broke presents Three Lessons I Learned From HS Economics Class posted at Free From Broke. Three things that have had a lasting impression on me from my High School Economics Class.

Pat B. Doyle presents Publish an Ebook in Amazon’s Kindle Book Store! posted at Pat B. Doyle. Earn money by publishing your book in Kindle format.

IM Z2H presents Day 1 - enough procrastinating! posted at Internet Marketing Zero 2 Hero Blog. Learn from my mistakes and copy what works for yourself! No money. No capital. Just wits and a bit of effort. COME JOIN THE ADVENTURE!

Todd presents 7 Essential Habits To Acquire Greater Wealth posted at We The Change. Nice piece here on the mindset of the wealthy…and 7 great habits to make more money.

David presents How To Make Your Wife Happy For Very Little Money. posted at My Two Dollars.

Dorian Wales presents Buying a Stock? Keep In Mind Someone Else Is Selling … posted at Personal Financier.

Leftwingchristian presents Suburban Wife’s Daily Dollar Diary » Getting Your Money’s Worth posted at Suburban Wife’s Daily Dollar Diary.

Glblguy presents Money Saving Monday Tip#1 Again - PriceProtectr posted at Gather Little By Little.

Charles H. Green presents The Single Fastest Thing You Can Do to Increase Trust posted at Trust Matters. Get back to people.

Changeyourtree presents Teach Your Children The Four Basics of Smart Money Management posted at Change Your Tree. When we teach our children how to be smart with money it helps protect their future. They are more likely to have a stable lifestyle, a stronger marriage, financial independence, and a comfortable retirement.

Kdickson presents You are not a ‘credit card slave’.. and you’re sure about that? | InvestorBlogger posted at InvestorBlogger. This article is the last in the series about credit cards and our life habits.

James D. Brausch presents Internet Business 101 » There Is Tons Of Money Available posted at jamesbrausch.com.

Carrie Kirby presents Cut your childcare cost in half posted at Parenting Squad. Timeshare a nanny and get the best quality of care for half the price. There are tons of additional benefits.

Ryan presents The Very Best Holiday Gift posted at Millionaire Money Habits. This holiday season, give something of real value, something that can even increase in value or possibly generate more money. Give the gift of financial freedom. Here are 9 ideas for a personal finance gift.

Andrew Erickson presents The Holiday Countdown - Getting Your Visitors to Buy posted at WebSite Werx.

Carol Bentley presents Do people remember you? posted at Carol Bentley.

Kingsley Tagbo presents How To Improve Your Skills And Get A Lucrative Job posted at HOW TO LEARN COMPUTER PROGRAMMING FAST OR GET A JOB EASILY.

Tezza presents How To Dig Your Financial Grave Faster posted at 4 Eva Young : Success : Motivation : Personal Growth. If you are a financial train wreck waiting to happen then here are some handy suggestions to quit your stalling and get it over with.

Edith presents The Secret to Success posted at Stewart Hsu.

Value Seeker presents Why Most Investors Underperform The Market posted at Stock Investing. Reasons why the average investor significantly underperforms market funds.

Erik presents Money Lessons Learned from Las Vegas posted at Money Crashers.

Robert Phillips presents Costanza Success Principles posted at CYBERCA$HOLOGY.

Bonnie Krueger presents How Can I Save Enough Money To Save For A Mortgage Down Payment? posted at WhaleHook Loans.

Warren Wong presents Conversation Skills / Tips: How To Have A Good Conversation posted at Personal Development. Tips to improve your conversation skills and help you have a good conversation!

Kingsley Tagbo presents Take Meaningful Action Towards Finding A Career posted at HOW TO LEARN COMPUTER PROGRAMMING FAST OR GET A JOB EASILY.

Dereck Coatney presents How To Make A Million Dollars In About 8 Years posted at The Best Stock Trading in the World.

Steve Faber presents - Debt Cures – How You Can Get Out of Debt posted at Debt Free. Here are two different strategies to get you out of debt. Both debt elimination strategies in this post are laid out in step by step form, so they’re easy to follow.

Karyn presents Vishing Credit Card Scam posted at Shop Smart Loans. Consumers should be aware of this new credit card scam being found seemingly everywhere.

Steve Pavlina presents Career Transitions posted at Steve Pavlina’s Personal Development Blog.

Ralph Jean-Paul presents Keep Your New Year’s Resolutions posted at Potential 2 Success. Start sticking to those New Year’s Resolutions by learning what resolutions really are, why resolutions don’t work and how to follow through on them.

David B. Bohl presents 2 Simple Steps to Get Rid of Your Money Obsession posted at Slow Down Fast Today!. I am often asked: “How do I let go of my obsession with money and instead focus on my quality of life?” I answer this question in 2 straightforward steps.

Blaine presents Something From Nothing- Think Big, Start Small posted at BlainePower.com. Money is Freedom. This article will inspire you to think the same. In this article I share my personal stories of Entrepreneurial ventures as a kid… really a great read.

Jose DeJesus MD presents Select Mutual Funds with Lower Turnover- Your Money posted at Physician Entrepreneur.

That concludes this edition. Next edition of this carnival will be hosted here on December 31, 2007. Submit your blog articles using our Blog Carnival Submission Form. Merry Christmas to everyone!

Greetings! Welcome to the 25th edition of the Carnival of Money, Growth and Happiness. We have selected 33 posts for this edition. Here are the posts in the order they were received.

Career Counselor presents Breaking the Cycle of Bitterness and Finding Happiness at Work posted at ask the CareerCounselor. Personal choice is critical to happiness. Like it or not, the world you create for yourself is a result of your personal choices and attitude. The lens through which you view your situation will determine if you emerge victorious or broken. You can choose to find happiness in your situation or you can choose to drown in negativity and bitterness.

Tyler presents Practical Life Lessons From My Dog posted at Dividend Money. An intriguing story about what my dog taught me about life, money, and personal finance.

Maria Fernandez presents Have an enemy? Buy him a timeshare! posted at Learn a foreign language - blog. To avoid chronic headaches, never buy a timeshare. A case study.

Debora Silkotch presents O Christmas Tree posted at Ramblings. Buy a living tree!

Bentley Humphreys presents How to Make Money Off Interest Free Credit Card Offers posted at Bentley Humphreys. There are obviously a countless number of ways to invest money these days, however one is so fascinating we decided to test it out here at boozwatt.com. It’s called credit card arbitrage. It involves utilizing funds garnered from no interest credit card offers, and investing the money in various traditional avenues. Here’s how it works….

Alvaro Fernandez presents Robert Emmons on the Positive Psychology of Gratitude posted at Brain Fitness Blog. Can we enhance our happiness and health by nurturing gratitude?

Ralph Jean-Paul presents 7 Reasons Why You Haven’t Reached Your Goals Yet posted at Potential 2 Success. Check this list of reasons why your goals have not been met then go out and accomplish those goals.

The Investor presents Taking stock: How to Set out Your Statement of Affairs posted at Monevator.com. To get control of your finances, you need to know exactly what money you’ve got coming in and what’s going out, as well as what you own and what you owe. This detailed post explains how to do so with your own Statement of Affairs spreadsheet.

Credit Help presents If You Want a Lower Interest Rate, Just Ask posted at The Truth About CreditCards.com. Credit card issuers aren’t in the business of losing customers, and if they feel the threat of you leaving them, they’ll do whatever they can to keep you onboard.

TheWild1 presents Over 40% in under 6 months! posted at TheWild1. TheWidl1 says, “how i made 40% return in the stock market in 5 months”.

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

Jenny presents November Earnings Report posted at the so called me. My earnings for the month of November using my blog as a way of making money.

Kingsley Tagbo presents How To Improve Your Skills And Get A Lucrative Job posted at HOW TO LEARN COMPUTER PROGRAMMING FAST OR GET A JOB EASILY.

Peter presents Banking Mistakes That Cost You Money posted at I will change your life . com. Are you making any of these mistakes?

Christine presents Being Frugal in France: Buying Cheap Theatre, Opera and Dance Tickets posted at Me, My Kid and Life: An American Single Mom Living in France. Enjoying France on the cheap! It’s not always necessary to spend a bundle. Sometimes we just need to know our options. Saving big on theatre, opera and dance tickets in France in an option!

Eric presents My First Debt And A $5 Lobster posted at A Penny Closer.

David presents Does Anyone Actually Receive A New Car For Christmas? posted at My Two Dollars.

Edith presents Life is Too Short for This posted at Edith Yeung.Com: Dream. Think. Act..

Marco presents $27,817 Monthly With Affiliate Programs posted at Home Business success Make money online !!!.

Kevin @ Change Your Tree presents 10 Must Read Tips For Smart Holiday Shopping posted at Change Your Tree. Kevin says, “Thank you for running this carnival–I hope you enjoy my article and decide to run it.”

Jesse Moran presents How to Create a Frugal Budget posted at CompGifts - The Frugal Way of Living.

Tezza presents The Smartest And Dumbest Decisions I’ve Made With Money posted at 4 Eva Young : Success : Motivation : Personal Growth. Hopefully, you have the time to learn from my mistakes and make wiser choices.

Warren Wong presents Why Your Thoughts Create Reality - Thought, Energy, and Matter posted at Personal Development. Do you believe that your thoughts create reality? Here’s why thought, energy, and matter might not be as separate as you think.

Matt Wolfe presents An Alternative To Gift Cards For The Co-Workers posted at How I Will Be Rich. A simple idea to spend less on gifts this year.

Steve H. Joseph presents Why Money Is So Cool! posted at Steve H. Joseph’s Creative Self-Expression Blog. Steve says, “I had a bad relationship with money for a long time, and I didn’t know it. Then I tried to improve my situation by being grateful for what I had, but it always felt fake to me. Then one day i had an unexpected breakthrough that has started changing the way I interact with money, and the world.”

SJ Yee presents How to live each day and get from where you are to where you want to go posted at Personal Development for the Book Smart. SJ says, “To me, there are three things we all should do every day. We should do this every day of our lives. Number one is laugh. You should laugh every day. Number two is think. You should spend some time in thought. And Number three is, you should have your emotions moved to tears, could be happiness or joy…”

Shaun Connell presents Five Lifestyle Tips I Wish I Knew When I Started posted at Make Money Online.

Dan-O presents Mega Online Comic Manual: Create, Share and Profit from Webcomics posted at Danogo.com - Discover. Inspiring . Media. How to make money and have fun creating webcomics and publishing them on the Web.

Bonnie Krueger presents How To Avoid Debt Consolidation Problems posted at WhaleHook Loans.

Steve Faber presents - Save Money on Organic Foods posted at Debt Free. Just because you want to save money is no reason you shouldn’t eat good, healthy food. You don’t have to get it at the Green Granola Grocer anymore either. You know, the one with the BMWs, Lexuses and Porsches strewn throughout the parking lot.

Dorian Wales presents Understanding Important Hidden Psychological Aspects of Rent vs. Buy Comparisons posted at Personal Financier.

Susan presents A New Generation of Carbon Offset Travel posted at The Innovative Traveler.

Madeleine Begun Kane presents Office Party Follies posted at Mad Kane’s Humor Blog.

That concludes this edition. Next edition of this carnival will be hosted here on December 13, 2007. Submit your blog articles using our Blog Carnival Submission Form.

Greetings! Welcome to the 24th edition of the Carnival of Money, Growth and Happiness. We have selected 28 posts for this edition. They give an insight into topics related to money, growth and happiness. Here you go:

Summer presents Make Money Instead of Spending It During the Holiday Season | Our Family Village posted at Our Family Village. Tips on making money this holiday season.

Erek Ostrowski presents Five Easy Ways to Boost Your Credit Score posted at Verve Coaching.

KCLau presents What’s Your Time Worth? posted at KCLau’s Money Tips. Value of money is always tied to time element. If you work, you need to understand the basic concept that you’re trading your time for money. Time is a nonrenewable resource, but money? You will be able to make much more money if you understand the relationship between time and money.

Edith presents Life is not a Race posted at Edith Yeung.Com: Dream. Think. Act..

David presents You Think You Have Money Problems? Try Visiting Mexico… posted at My Two Dollars.

David B. Bohl presents Small Business Trends Column: Entrepreneurs, Does Retirement Fit Into Your Plans? posted at Slow Down Fast Today!. The values and beliefs of the Baby Boomer generation were handed down to us from our parents, many of whom survived the post-war era and Great Depression.

Dianne M. Buxton presents Having The Power of Being Thankful For Your Untapped Potential posted at manifestingsuccess. Being thankful for our untapped potential is made sense of in this article about moving toward our dreams.

JP presents A dollar saved is a dollar earned posted at Watch Me Become A Millionaire. JP says, “I make it a point to incorporate the expression “a dollar saved is a dollar earned” into my life. There are many great opportunities everywhere to save money if one is only to look.”

Logan Flatt, CFA presents It’s Future Cash Flows, Stupid! posted at PowerWealth.com.

Andrew presents How to Become Great in any Field - Success Secrets Revealed posted at Personal Hack. If you take a person who is very successful in one field, and put him into another one usually they’ll be able to achieve a very similar level of success in the new field. Of course it might take them a year or two or even more to catch up and learn the new field.

SJ Yee presents How I made USD100 in 1 second and how you can do it too | Personal Development for the Book Smart posted at Personal Development for the Book Smart. SJ Yee says, “If you want to succeed, you have to have the right mindset. This is a discussion of how I made US$100 in 1 second because of that mindset.”

Mark Runta presents Investing Lessons: What Have I Learned From the PF Bloggers? posted at Investing Lessons. Learn more than financial wisdom from the top PG bloggers.

SpiKe presents Start Enjoying Christmas Again! posted at Organize IT.

Chatty Cassie presents Daily Chick Chat » Would quitting your Starbucks habit get you out of debt? posted at Daily Chick Chat.

Andrew Michaels presents Freedom: Start Young, Live Simply posted at Lifecrafting. This article is about financial independence, freedom and how to get it. What are you working for? Why do you spend the hours of your life in a cubicle? Are you living your life how you want to right now, or putting off life for 30 years for an eventual “retirement day”. Take a look at your life.

Warren Wong presents What Is The P/E Ratio And What The Price Earnings Ratio Means posted at Personal Development. A description of what the P/E ratio is and what the price earnings ratio actually means.

Alex Marlin presents My Top 10 Personality Improvement Tips posted at Life Improvement Tips For Thin and Small People.

Tezza presents Should You Get Rid Of High-Interest Debt Before You Start Saving posted at 4 Eva Young. When it comes to debt elimination, it is often easier to face the problem by trying to dig yourself out of debt instead of facing your reasons why you are in debt to begin with.

Yazan Manasrah presents Uncluttering your mind posted at The Blasted Crossing. Want to find out how to gain the focus and mental energy to accomplish the daily tasks you must do?

Surfer Sam presents Free Money for College. Claim Your College Cash ! Surfer Sam posted at Surfer Sam and Friends. Financial aid, grants, loans. You don’t have to be a straight A student to get a scholarship.

Cathy presents The Cosmic Wheel of Kindness…Pass It On! posted at Joy Thru Generosity. This idea of passing on a “token of kindness” began as a unique way for people to reach out and connect with others. In recognition of random acts of kindness, a “token” is passed on to someone as they perform a kind act. This sets the “cosmic wheel of kindness” into motion, as tokens are passed on endlessly! Whenever someone performs an act of kindness hand them a token.

Dax Desai presents 8 Reasons Why the Dollar Will Continue to Fall posted at Invest with Dax. 8 Reasons Why the Dollar Will Continue to Fall.

Lorraine Cohen presents Letting Yourself Have Outrageous Success and Personal Happiness posted at Powerfull Living. How often do you say no to the people and things that would increase your business success and personal happiness? Learn key tips to change your nos to YES!

Danogo.com presents How to Make Real Life Money in the Second Life Virtual World posted at Danogo.com - Discover. Inspiring . Media. People are making millions of real dollars in the virtual real estate business. Are you missing out on the next Web gold rush?

Dorian Wales presents Personal Financier: Why Taking on a Mortgage Is Leveraging: Understanding the Potential Risks and Benefits posted at Personal Financier. Buying a property with a combination of equity and mortgage is actually leveraging your own equity. Leveraged transactions hold significant potential benefits and, more importantly, significant potential risks. It is important to understand why leverage is the source of these risks and benefits.

FitBuff presents What is MRSA? Symptoms and Prevention | FitBuff.com’s Total Mind and Body Fitness Blog posted at FitBuff.com’s Total Mind and Body Fitness Blog. What is MRSA? You’ve probably seen the recent headlines about this menacing “super bug” ravaging through hospitals, gyms, and even schools. Here’s what you can do to keep it away and stay healthy…

The Investor’s Journal presents How Much Should I Invest In The Stock Market? posted at The Investor’s Journal. A simple “invest 50% of your net assets in the stock market” recommendation is too vague for anyone to go by. This article will show you what’s important when it comes to deciding how much money you should invest in the stock market.

Ryan Russell presents Go “Outside The Box” for Great Holiday Gifts posted at My Money Thinks. For these people (and anyone else), a little creativity and imagination will go a long way when shopping for holiday gifts.

That concludes this edition. Next edition of this carnival will be hosted here on December 06, 2007. Submit your blog articles using our Blog Carnival Submision Form.

Happy Thanksgiving to all our readers! The 23rd edition of the Carnival of Money, Growth and Happiness is up. We have selected 37 posts for this edition. Here’s the huge list:

Editor’s Picks:

Lorraine Cohen presents Powerfull Living » Gratitude: Finding the Gifts In The Experience posted at Powerfull Living. Things don’t always turn out the way you expect or want. Approaching situations with an open heart and mind can bring wonderfull gifts and blessings when you are open to receive them.

Roshawn Watson presents The Wealthy Create Luck posted at Watson Inc. It is very convenient to say that the people who do well are lucky, but many wealthy and successful people CREATE their luck. Regardless of what you do or what you learn, without the right mindset coupled with the appropriate actions, luck alone will not get you there. Rather, it is those who excel in problem-solving who have the Midas touch.

Steve Faber presents - Kill the Pigs, or, How to Save Yourself Some Tax Dollars posted at Debt Free. Depending on your tax bracket, and the propensity of your state and locality to burden you with additional taxes, approximately 40% of your hard earned dollar is taken away before you even see it. Some of those uses are legit. I mean, we need roads, law enforcement, national defense and other niceties of modern society.

Everything Finance presents Why Passive Investing beats Active Investing posted at Everything Finance.

KCLau presents How to Minimize the Upfront Service Charge in Unit Trust Investment posted at KCLau’s Money Tips. Investment always requires transaction cost. The typical cost in unit trust investment is the upfront service charges (paid to the agent), management fees (paid to the fund managers), and trustee fees (paid to the trust corporation). These costs are inevitable. But when there is a problem, there is always a few strategies to minimize the damage.

Edith presents 7 Business Lessons Learned from Watching Warren Buffet posted at Edith Yeung.Com: Dream. Think. Act..

David B. Bohl presents Fulfillment: The Power of Volunteering posted at Slow Down Fast Today!. Recently, there has been an upsurge in volunteering in the U.S. There’s also been a lot of talk about volunteers and volunteering. People are spending more time doing volunteer activities and thinking about volunteering. Why would you want to spend your time doing things for someone else, when there are so many really good things you need to do for yourself and people you care about?

Other Posts:

Madeleine Begun Kane presents Me Gamble? No Dice! posted at Mad Kane’s Humor Blog.

Jason Elder presents Bankruptcy Credit Report Repair Rip Off - Beware! posted at A Bankruptcy Lawyer’s Blog. The items that are filed with the bankruptcy ( the list of debts you are seeking protection from) CANNOT be listed as individual bad debts after the filing. They must be reported as part of a bankruptcy proceeding. For this article - we are concerned only with your credit report POST bankruptcy.

Sally presents Thoughts on Time posted at A Penny Saved.

Christine presents The Exchange Rate - The Euro vs The Dollar - The Declining Dollar posted at Me, My Kid and Life. Living in France off the steadily declining dollar. One woman’s experience with earning an income online via US dollars while living in France and paying in euros.

Thomas Humes presents Simple Habits That Lead To Wealth posted at

Dorian Wales presents Understanding the difference bewtween investing and gambling posted at Personal Financier. While this title sounds intuitive many so called investors are in fact gamblers. In order to substantiate the difference between the two we need to a closer look in to the basics of investing.

Carole Fogarty presents The Tao of a happy full wallet: posted at THE HEALTHY LIVING LOUNGE. Today is the day you improve your relationship with your wallet. Today is the day you clean out the cob webs, cleanse away the negative vibes and create the energetic space to welcome abundance back into your wallet.

Chris presents Here’s One Way To Eat Healthier Snacks posted at The Healthy Snacks Blog.

Kalyn presents Saving for Retirement When You’re Short on Cash posted at LifeEdit.net.

Bonnie Krueger presents Does Transferring Credit Card Balances Affect Your Credit Score? posted at Personal Loans And Credit Cards.

Tiffany presents Green Your Finances posted at Natural Family Living Blog.

David presents Gaizer.com Tips for Business Start-ups | Helping you Start your own business » Resources are Available for an Import/Export Company posted at Gaizer.com. US Business Advisor www.business.gov, this is the federal government’s guide to international trade for small businesses. In this website, businesses can find essential information on laws and regulations, finance, trade leads, and associations and agencies that promote international trade.

Mark Runta presents Open A Door posted at Smart Investing & Money Management. Get off the couch, switch off the TV and take a step.

Karyn Kudrna presents Loan and Debt Elimination Scams posted at Shop Smart Loans. There are many loan and debt elimination scams out there. This article outlines some of the details of the more common scams and highlights what the consumer should be aware of.

Kevin Fleming presents How to Get Satellite TV if You Have Bad Credit posted at Satellite TV Guru.

Ralph Jean-Paul presents Meet 7 People in 7 Days posted at Potential 2 Success. Looking for new clients and business contacts? There are 6.7 trillion people in the world. How many of them do you know? Meet a new person for business or social advancement each day this week.

Silicon Valley Blogger presents The Worst Mortgage In The World and A Look At Creative Mortage Loans posted at The Digerati Life. Check out the different creative mortgages available to homeowners today. And be careful what you sign up for!

Marco presents Network Marketing and Your Social Relationships posted at Network Marketing Concepts.

James presents Escape the Payday Loan Trap posted at Payday Loan Cheap Skate. Here are steps to take to eliminate and avoid the payday loan debt cycle.

Wanda Grindstaff presents Success Through Service, the Most Important Component! posted at Creating Abundant Lifestyles.

Robert D Flach presents IN NEVER NEVER LAND posted at ANYTHING BUT TAXES!.

The Skilled Investor presents Where?s Waldo? - The illusion of superior professional mutual fund manager performance. posted at THE SKILLED INVESTOR Blog. The effort to find those few supposedly superior money managers willing to sell their services sufficiently cheaply is a costly, time consuming, and futile, “Where’s Waldo?,” searching exercise for the individual investor.

Allen Taylor presents Business Investment Strategies That Work Every Time posted at Investing World Today. The secret to investment success is the consistent application of time-proven strategies, not the use of complex, hard-to-understand investment vehicles created by investment bankers out to take your money!

Todd presents How To Break Out Of Bad Habits Using Affirmations posted at We The Change. Great article on how to use affirmations to get what you want.

Matt Wolfe presents Thirty Days To Improve Your Life posted at How I Will Be Rich. A list of goals to set for yourself to vastly improve your life in thirty days.

FitBuff presents What Is Healthy? posted at FitBuff.com’s Total Mind and Body Fitness Blog. What is healthy? At first, this may seem like an easy question to answer. However, when you actually stop and think about it, it’s not easy at all…

Warren Wong presents How To Win Someone’s Heart posted at Personal Development. Do you want to win someone’s heart and gain their trust and loyalty? Here are some tips on how to go about doing it.

Gamy Rachel presents Self Improvement Starts With Making Decisions posted at Mind Think Success. To have a positive change in your life, you have to decide you want a positive change, and this in itself is making a decision.

Shaun Connell presents Contradictions and Continuity posted at Reason and Capitalism. Shaun Connell explains how understanding this basic logical idea is essential to maximizing both finances and happiness. Part of a series of essays on lifestyle capitalism.

Danogo.com presents The 2 Simple Ways to Get Your Website into Google Search Results posted at Danogo.com - Discover. Inspiring . Media. For businesses on a budget - the inexpensive way to promote your site is right in Google’s search results.

That concludes this edition. Next edition of this carnival will be hosted here on November 29, 2007. Submit your blog article using the Blog Carnival Submission Form.

By Heather Christopher

Deciding to donate to a charity, whether it’s on a regular schedule or a one-time contribution, will undoubtedly benefit a community’s disadvantaged condition. Finding the right charity and making sure your donations are used appropriately is a little more complicated. The following list highlights more than 50 websites and online tools that will help you connect with the charitable organization that best fits your cause.

U.S. Charities

These databases post information about charities that operate in the United States. Check them out for finding the best search tools and more.

1. IRS Search for Charities: The Internal Revenue Service provides a list of charities that are approved for receiving tax-deductible donations.
2. Care Clicks: This website allows online shoppers to donate to their favorite organization every time they purchase something from a participating online retailer. Barnes & Noble, Best Buy, and eBay are all registered partners. Search the database at CareClicks.com to find charities that deserve your support.
3. America’s Charities:
   America’s Charities love to put children first and health first, but they
   also connect donors with animal, civil and environmental rights groups.
4. Charity Navigator: Charity Navigator is “your guide to intelligent giving.” Use the charity evaluator tool to find the organizations that are most desperate for financial aid.
5. Charity Guide: The Charity Guide provides information for volunteers who want to support their favorite issues by making changes in their own lives, meeting up with other volunteers in their communities, or by making a donation. Search issues like animal welfare, community development, health and safety, children’s issues, environmental protection and poverty.
6. National Relief Charities: The NRC sponsors seven different programs to help support Native American communities across the country. Visit their website to find more information on donating to the Navajo Relief Fund, the Sioux Nation Relief Fund and others.
7. St. Jude Children’s Research Hospital: St. Jude’s Hospital is a top U.S. charity that offers several different donation and gift options for a variety of supporters.
8. Melissa DATA: If you know the name or tax ID for the charity you wish to donate, you can use this tool to research their organization.
9. Sports Charities USA: Find all sports-related charities in the U.S. with the help of this resource.
10. CFCNCA: The Combined Federal Campaign of the National Capital Area connects donors and nonprofit groups in the Washington, D.C. area.
11. Health and Medical Research Charities of America: Search for American charities devoted to medical research by keyword or state.

International Charities

If you want to donate to an organization abroad, check out these resources to make sure your money is directed to the right place.

12. Charities Aid Foundation: The CAF website supports a database of over 167,000 charities, including many international organizations.
13. Charity Choice: Charity Choice is “the premier guide to charities in the UK.” Search for charities in the online database, make your donation through their secure payment system and track your donation to see exactly how it’s helping others.
14. Register of Charities: This government-sponsored website allows users to search its database for UK-based charities.
15. Network for Good: Use this one-stop donation station to search for charities, make donations, and maintain records of your tax deductions.
16. Combined Federal Campaign - Overseas: Search for charities by organization name, keyword or program to connect you with international CFC projects.
17. International Charity Help: Search for charities all over the world or catch up on the latest news in the international nonprofit sector.
18. Kids International: Kids International donates to children’s charities through its online shopping network.
19. Universal Giving: This resource currently offers over 500 opportunities for donors to contribute to international causes via the Internet. Search focus areas like poverty, conflict resolution, gender and equality and the arts, or browse by geographic region.
20. Idealist.org:
    Search for volunteer opportunities, jobs with nonprofit organizations, or
    opportunities to donate to meaningful causes all around the world.
21. Justgiving: Set up an account to donate to needy foundations in some of the world’s poorest countries. Search for charities specializing in emergency relief, children, disability, education, health and more.
22. Build Africa: Access information on funding the building of a school, home or community in Africa. Donors can contribute any amount they wish in pounds, dollars or euros.

Search Engine Donation Stations

These search engines contribute a percentage of their revenue to charities each time you utilize their services.

23. Charity Cafe: Using Charity Cafe’s Ask.com-powered search engine creates a “free donation” to Greenpeace USA, WWF, or Oxfam.
24. GoodSearch: The search engine GoodSearch donates 50 percent of its revenue to the nonprofit organizations “designated by its users. Visit their site to add your school or organization to the list.
25. Search and Give: Search and Give is another search engine-driven organization that supports member-selected charities. Create a Microsoft account with Search and Give to register your favorite groups.
26. EveryClick.com: EveryClick.com is a one-click search engine that lets users select charities to support when they search for news stories, images and shopping sites online.
27. Search Kindly:
    Search Kindly’s search engine is powered by Google, so users know they’re
    getting the best search results on the Web.
28. GoodTree: Set up your own personal profile with GoodTree, which organizes your photos, causes, friends, and messages. Network with other donors while you search for charities to support each time you look something up on the Internet.
29. Magic Taxi: This British-based site advertises itself as “the web’s happiest search engine.” Why? Probably because 50% of all of their ad revenue goes to charity.
30. ClickNow: For ClickNow, “charity begins at [their] homepage.” Add your school or nonprofit group to the list for extra financial support.
31. Clicks4Cancer: Clicks4Cancer is an easy-to-use search engine that features popular links like CNN.com, Digg.com, BestBuy, YouTube and more for one-click searches.
32. Catch Tomorrow: Help fund the U.S. public education system by using this all-inclusive search engine.
33. Searchgive: Searchgive.com is “where searching becomes giving.” Charities like the American Red Cross, Oprah’s Angel Network and Save the Children benefit from your searches.

Research Services

These tools will help you conduct background checks on charities before you decide to donate.

34. American Institute of Philanthropy: This “charity watchdog” provides information for donors who want to ensure that their contributions go to the most deserving organizations. Find out which charities award the greatest salaries to top executives, which groups receive the most donations yearly, and more.
35. GuideStar: Conduct thorough background checks on over 1 million nonprofit organizations. GuideStar.org also has tips for “giving wisely” and understanding your rights as a donor.
36. Give.org: Give.org urges individuals to “investigate before you donate.” Use their services to learn about charity standards, charity enrollment and more.
37. Intelligent Giving: View charity profiles to read reviews, find award winners and conduct your own “DIY research” before you donate.
38. Charitable Gift: The website Charitable Gift provides tools for researching various organizations.

Tools to Help you Donate

Below are more tools to help you donate securely and effectively.

39. CAF Charity Account: The Charities Aid Foundation allows donors to set up an account through their system for “easy, flexible and tax-efficient” transactions.
40. Vetting Charities: How to research their effectiveness: Use this guide to help you determine whether or not your favorite charity really needs your next donation.
41. How to Choose a Charity: This crash course in charity giving provides information on deciding how much to donate, finding a charity that fits your personality and more.
42. SoYouWanna donate to charity?: Follow this guide to picking worthy charities that often get looked over.
43. PayPal: PayPal offers reduced rates for charities receiving electronic transactions.
44. 20+ Charity and Fundraising Tools: Check out this list of websites and resources for connecting with your favorite charities.

Miscellaneous Resources

Check out these extra resources for additional help on locating and contributing to your favorite charities.

45. CharityVillage.com: Get tips on choosing a charity, find opportunities to volunteer in your community, and read information about recycling and donating your used cars, clothes and more.
46. Charity Scams: Read this article to educate yourself on frauds lurking within the nonprofit sector.
47. Make a Donation: The charity resource center on this website provides links to various support services like the U.S. Government Nonprofit Gateway, Philanthropy News Digest, and tax information for figuring out your deductibles.
48. Catholic Charities USA: Find out how you can support Catholic-sponsored charities in the U.S. with the resources offered on this site.
49. Donation Line: If you’re in the market for a new car, consider donating your old vehicle to a charity that needs it.
50. TheNonprofits.com: Click on a charity to “donate for free.” Participating sponsors contribute a donation each time you select a charity, like Forest Watch, Hunger Fighters and more.
51. How to Donate to Charities Wisely: Your heart may be in the right place, but it’s easy to become overwhelmed in the process of researching and selecting a charity. Get tips on how to figure out the donating basics by reading this article.
52. With Causes: Gather information from this faith-based site on how to donate cash, boats, cars, real estate and electronics to help out a charity.

Though this list only covers the top 52 online resources for investigating charities, there are even more organizations and nonprofits that are dedicated to improving the lives of children, animals and countries all over the world. Conduct background checks to find out how your donation will be used, network with other donors to learn more about different organizations, and continue to remain aware of the major issues affecting our communities.

Greetings! The 22nd edition of the Carnival of Money, Growth and Happiness is up. We have selected 46 posts for this edition. Here are the posts in the order they were received.

SJ Yee presents The Knight in Rusty Armor, A story of Social Masks posted at Personal Development for the Book Smart. A story we can all learn from. The rusty armor is a metaphor for the social masks we all put on in life.

Eric D. Wills presents What’s a Dollar? posted at One Away.

Arin Vahanian presents How to Change or Develop a Belief System posted at Super State.

Lorraine Cohen presents Powerfull Living » Business Success Tip #13 - Own & Communicate Your Value posted at Powerfull Living. Your ability to communicate your value in the marketplace can make or break your business.

Warren Wong presents Focus On One Thing At A Time To Completion posted at Personal Development. Learn to focus on one thing at a time to save time and get more done.

Mark Runta presents Early Retirement – Illusion or Reality posted at Smart Investing & Money Management. Don’t wait to start living a full life - start now.

David presents Complete Guide to Obtain a Loan or Investment for your Start-Up Business posted at Gaizer.com Tips for Business Start-ups. Loans are a time-tested way of raising capital for your business. Unfortunately is not as easy as going to the bank and asking for money.

TheWild1 presents Over 40% in under 6 months! posted at TheWild1. the writer shares how he made 40% return in the stock market in 5 months.

George Courtney jr presents What a Weak Dollar Means for U.S. Shoppers posted at The Authentic Bartender Blog. WEDNESDAY’S RATE CUT from the Fed has economists expecting that the already-weak dollar will fall even further.

Matthew Paulson presents How to Become a Millionaire 20 Years from Today (Even if You Have Nothing Now) posted at Getting Green.

Wilson ng presents SME #3 - Think Small, Act Small posted at Reflections of a BizDrivenLife. If you look around in most businesses, many people believe that there is only one way to succeed - to become big and to impress. Mergers, acquisitions, titan investments coupled with loads of risk and huge borrowings…

Glblguy presents 5 Personal Finance Lessons From The Pursuit of Happyness posted at Gather Little By Little.

Ralph Jean-Paul presents Start Meaningful Conversations posted at Potential 2 Success. Have more interesting and engaging conversations by learning the right way to begin them. The way you connect with people can improve your social and professional life. So if you want to improve your overall lifestyle, improve the way you connect with others.

Silicon Valley Blogger presents Cut Down On Travel Costs As A Gracious Houseguest posted at The Digerati Life. Save money on travel by being a gracious houseguest!

James presents The Victims of Payday Loans posted at Payday Loan Blog. The nature of payday loans implies that it targets people who are in need of cash and without better financial means to obtain such cash.

Madeleine Begun Kane presents Charge! posted at Mad Kane’s Humor Blog.

Logan Flatt, CFA presents “Growth Investing” Nothing More Than Rank Speculation posted at PowerWealth.com. Thanks to decades of promulgation by the financial services industry, it is now common for many people not unlike Mr. Authers to mistakenly use the terms “value” and “growth” to describe two contrasting styles of investing. However, there are not two styles of investing. Instead, there is investing and there is speculation.

Jason Elder presents Chapter 7 Bankruptcy - 5 Good Reasons To File Bankruptcy posted at A Bankruptcy Lawyer’s Blog. Chapter 7 bankruptcy is a popular form of bankruptcy in the United States. For some, it is the last resort of those who have experienced a sudden job loss or a major medical issue that they had no control over. Through bankruptcy liquidation filed under this chapter the debtor can get a fresh financial start by receiving a discharge of all debts.

Aaron Wakling presents How to Resolve Bad Credit posted at The Credit & Credit Card Blog. A bad credit situation is not a comfortable situation to get into. Spending beyond your means can lead to a bad credit situation.

Eric Hudin presents Is Offshore Asset Protection Sensible? posted at My Estate Planning Career Blog. Offshore asset protection is an asset protection scheme where the assets of an individual are duly protected by registering the said assets in an offshore jurisdiction beyond the legal reach of individuals who may want to profit from what you own by suing you for your assets.

Allen Taylor presents Planning Retirement Stock - What You Need To Know To Make A Fortune With Your Investing posted at Investing World Today. When it comes to planning retirement, stock is very important helping you achieve your retirement goals. The stock market is one of the main avenues of revenue for many investors today, and it can be a great source of revenue for you.

Tim Ramsey presents What Are The 3 Biggest Challenges To Getting Out Of Debt? The Answer May Surprise You posted at My Debt Relief Blog. Statistics show that the US Savings rate is at an all-time low and the average household debt is at a record high. What are we doing to ourselves? Not only are we deep in debt, it seems that we will never be able to get out of debt.

Eric Stanley presents Six Steps to Building a Solid Financial Foundation posted at Personal Finance Blog Articles. Building a financially solid foundation for your future does not require you to be a financial expert. What it does require is a plan. When it comes to securing your financial foundation, a goal is the roadmap for you to build your financial plan.

Thomas Humes presents Financial Freedom - Learn How to Always Be Ahead of the Game posted at Wealth Building World. The following are my top tips and recommendation for anyone seeking to put an end to the rat race and achieve financial freedom.

FIRE Finance presents Citi Upromise Credit Card - Enhance Your College Fund’s Savings! posted at FIRE Finance. College costs are rising every year and we have to plan well to send our kids to good universities. In fact, the secret to having an ample college fund is to get started as early as possible.

LIVING OFF DIVIDENDS presents How I Made $1,836.90 Last Month (Excluding My Salary) posted at LIVING OFF DIVIDENDS. The writers says, I’ve been trying to boost my passive income for over two years now. I’m finally at the point where I can afford to pay the rent!

Robert D Flach presents IT’S THAT TIME OF YEAR AGAIN! – PART IV posted at THE WANDERING TAX PRO.

KCLau presents Does Compound Interest Really Apply to Unit Trust Investment? posted at KCLau’s Money Tips. Unit trust is an easy means of obtaining a spread of investment. It is suitable for passive investor, who doesn’t want to, or doesn’t have extra time to invest their cash savings.

Frugal Fanny presents What You Learned from Your Allowance and Why Kids Still Need Allowance Today posted at Frugal Fanny’s Everyday Money Saving Tips. An article discussing the importance of utilizing allowance as a teaching tool for good money management skills in later life. Includes a concrete discussion of tips for creating an effective allowance system in a family.

Amanda presents PJM.Com October Earnings Report posted at the so called me.

MichelleM presents Saving Strategy For Weekend Fun posted at Redomestication - Money Family Home Food Simple. A simple way to beat boredom and enjoy your weekends without breaking the bank.

FitBuff presents 4 Tips for Buying the Best Running Shoes posted at FitBuff.com’s Total Mind and Body Fitness Blog.
Enjoy! The right running shoes are a wise investment in your health, but “right” is the key word. Use these four questions to find the perfect pair for you…

Edith presents 7 Business Lessons Learned from Watching Warren Buffet posted at Edith Yeung.Com: Dream. Think. Act..

Mark Runta presents Simple Frugality – Conservation posted at Smart Investing & Money Management. Simple strategies to conserve energy and resources to help the environment and your wallet.

Ted Stearns presents 3 Reasons Why FICO 08 Won?t Happen posted at TradeLine Solutions.com. Although Fair Isaac has insisted they will present their new system to change the scoring method for all three credit agencies, we offer three legitimate reasons why it won’t happen.

Danogo.com presents See How Easily You Can Add Google Apps like Email, Chat and Microsoft Office Style Programs to Your Own Website posted at Danogo.com - Discover. Inspiring . Media. Give your personal finances a jumpstart with microsoft excel style programs you can use on the web for free.

Warren Wong presents How To Calm Down posted at Personal Development. How To Calm Down teaches you various tips and tricks for calming yourself down.

Christine presents My Teenager’s First Job, Teens and Work, Self-Employed Teens, Teens working For Themselves posted at Me, My Kid and Life. Christine says, “My teenager’s first job: Creating an online business to earn in her free time from what she loves doing.”

Jose DeJesus MD presents Banking Relationships Pay Long-Term Dividends posted at Physician Entrepreneur.

Nadege presents Five Reasons Why You Stuggle Financially posted at Financially stAble.

ChristianPF presents 6 Tips for a Debt Free Christmas posted at Christian Personal Finance. 6 Tips for a Debt Free Christmas.

Meredith Mathews presents Link Karma: Rethink; Simplify! posted at Lemonade Stand.

Charles H. Green presents Americans, Travel and Rushing to Judgment posted at Trust Matters. Charles says, “My personal road to growth has been exposure to others. For me as an American, the benefit of international travel is enormous. Yet only something like 20% of us have a passport. Absurdly few of us speak another language—usually poorly at that.”

Silicon Valley Blogger presents Back Up Your Data And Save A Thousand Dollars posted at The Digerati Life. Save money by backing up your data and avoiding the loss of your valuable information.

Ken Hylton presents You’re Not Contributing As Much As You Think to Your 401k posted at Credit Withdrawal. Contributing to your 401k doesn’t cost as much out of pocket as it seems at first. The Federal, State and Local governments kick in too!

Everything Finance presents Investing is boring. Well, It should be! posted at Everything Finance.

That concludes this edition. Next edition of this carnival will be hosted here on November 20, 2007. Submit your blog articles using our Blog Carnival Submission Form.