Ben at Money Smart Life last week went to a conference in Las Vegas. He enjoyed his trip and offered his tips on how to save money in Sin city, a place where you don’t need to worry about how to spend money

Lazy Man at Lazy Man and Money had something to say about what he called “smart gambling.” Well, if it’s a gamble, then it’s a gamble. I don’t see why one gamble is smarter or better than another unless you win.

After deciding to quit her job early on, Silicon Valley Blogger at The Digerati Life went through the process of actually leave the job she had in the past five years and shared what she did in her last day at work. Good luck, SVB!

FMF at Free Money Finance gave his takes on the seven habits of wealth.

NCN at No Credit Needed talked about the frustration of what and which we must deal with in reality.

MBH at Mighty Bargain Hunter warned of high-priced seminars and suggested invest time instead.

Super Saver at My Wealth Builder has some great ideas to maximize social security payments.

Mossy at Business Is Personal (Finance) is running a series of investment spreadsheet, in which he discusses how to use spreadsheet to develop models from 401(k) contributions to variable annuities.

Grant at The Corner Office Blog had a savvy real estate investment idea: short sale. That’s something quite new to me.

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Ben at Money Smart Life described his flood pain and how he researched for flood insurance. I am glad that’s not one thing I need to worry about now.

Lazy Man at Lazy Man and Money explained why he thinks this is the time that fortunes are made. Of course, it takes a lot of courage to buy stocks when the headline suggested a recession is on the horizon.

Silicon Valley Blogger at The Digerati Life said they are going to cut their budget by 25% in their latest frugal moves. Do you have a budget? I rely more on my self control than on hard numbers

FMF at Free Money Finance cited an Bankrate.com article that explains the impact of credit accounts on credit score.

NCN at No Credit Needed asked if there’s any area in personal finance that you want to improve.

MBH at Mighty Bargain Hunter talked about how streamlining your list process can help you make money on eBay.

TFB at The Financial Buff discussed how to avoid overdraft fees. I always have enough money in my bank account (which is suggested), so I was never hit by such a fee.

The Dividend Guy shared some investing lessons that can be learned from all-you-can-eat buffet.

Finally, I learned a trick from Lifehacker.com on how to speedup the monthly bill paying process. I used to spent a lot of time clicking one bookmark after another. Now I hope I can cut it down, though I still have to pay the bills one by one.

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There are many ways to improve your credit score. In fact, as many as 15 ways to get a better score, according Jeremy at Generation X Finance. Don’t be late, that’s the rule #1!

Market downturn made you nervous? Silicon Valley Blogger at The Digerati Life told how a down market could be good for your investment. Is she saying “buy low”?

Lazy Man at Lazy Man and Money reviewed his IRA options and revealed what he considered before rolling his old 401(k) to a Zecco IRA account. Cost is definitely my top concern for investments in my IRA.

NCN at No Credit Needed reminded us that there are still time to open an IRA account. The deadline is April 15th, not December 31st.

What to buy a foreclosed house? FMF at Free Money Finance gave 5 steps to make a purchase.

MBH at Mighty Bargain Hunter asked how strong your piggy bank is. Interesting analogies!

Jonathan at My Money Blog walked through the process of choosing between a fixed and adjustable rate mortgage.

What motivates you to pursue smart personal finance? J.D. at Get Rich Slowly shared his story on taking control of his finance.

Cash Money Life outlined pros and cons of Roth and Traditional IRA and discussed which one makes a right choice.

Finally, Congratulations to David at Money Ning, who just got married over the weekend. To celebrate his wedding, David is giving away $1,500! I never won any contest before, but I entered this one just to try my luck on more time.

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If you are interested in investing in real estate, be sure to check out the post, 7 Things to Consider As a First Time Real Estate Investor, by Silicon Valley Blogger at The Digerati Life. The housing market is currently pretty bad, but the slump could drag on for extended period. So know what you are buying and when to buy it.

How do you prepare your taxes? Do it yourself with tax preparation software such as TurboTax or TaxCut, or hire a professional to do the work for you? Ben at Money Smart Life offered some tips on choosing an accounant.

Lazy Man at Lazy Man and Money disclosed that he has bought more private stock. He also discussed what he expected from his purchases.

In order to get out of debt, NCN at No Credit Needed suggested going back to the basics such as knowing clearly the debt situation and making more than necessary payments, etc.

FMF at Free Money Finance gave two examples of what seems to be obvious: saving money by asking for a discount.

Along the same line as the Silicon Valley Blogger’s post, MBH at Mighty Bargain Hunter said Yes, you can own a home.

What’s the right amount to donate to charity? That’s the question asked by Madam X at My Open Wallet. I don’t have the answer, but I am trying to do what I can to help, large or small.

Waiting for the tax rebate check? It won’t get in your hands before the summer, so don’t spend the money before it even arrives, said Mrs. Micah.

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Have you ever heard of 401(k) debit card? I never until I read the post by Jeremy at Generation X Finance, in which he declared that it could be one of the worst ideas ever.

As the tax season fast approaches, Ben at Money Smart Life offered a tax idea eBay sellers: Reduce your eBay taxes with a home office deduction.

Lazy Man at Lazy Man and Money discussed how a friend’s wedding invitation brought a sudden expense that changed everything in his house.

When facing debt, what’s the right attitude? NCN at No Credit Needed suggested get informed, honest, and focused.

Tough market gets your nervous? FMF at Free Money Finance argued it may be the perfect time to make long term investment.

Money Blue Book posted some tips on what to do to prevent burglars and break ins when you are away from home.

There are more changes than the $1,000 contribution limit increase in IRA accounts in 2008. CHM at Chance Flavors discussed what you need to know about Roth IRA in 2008. Meanwhile, The Dough Roller covered the same topic which listed what’s new for 2008.

Still paying credit card fees? Patrick at Cash Money Life posted some killer credit card fees and offered ways to avoid them.

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Jeremy at Generation X Finance looked at the current market condition and urged not to make drastic long term decisions based on short term market fluctuations.

Ben at Money Smart Life continued discussions on taxes. This time, he discussed whether eBay sellers need to pay self employment taxes.

Lazy Man at Lazy Man and Money listed seven items that you need to prepare in case of an emergency. Where does he put all those stuff though?

Jim at Blueprint for Financial Prosperity wanted to make it harder to spend money with four ways.

Nickel at Five Cent Nickel wrote some quick and dirty financial equations, such as the Rule of 72, etc.

NCN at No Credit Needed showed what he will do to build a better budget with a new baby on board.

FMF at Free Money Finance posted 13 most overlooked tax deductions.

MBH at Mighty Bargain Hunter suggested tracking expenses slowly.

Super Saver at My Wealth Builder had some ideas on how to maximize tax benefits of 529 plans.

TFB at The Finance Buff talked about whether it makes sense to buy now or gradually over time.

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My top mutual fund performers last year were all related to oil, a side effect of high oil price. Jeremy at Generation X Finance looked at opportunities to profit from $100 oil.

As the tax season begins, Ben at Money Smart Life talked about whether money made on eBay should be reported as part of the income.

Do you have a new year resolution? I don’t and never did. Lazy Man at Lazy Man and Money, who is nominated for Performancing’s award for Best Business/Money Blog, shared his 2008 goals.

Jim at Blueprint for Financial Prosperity explained what a reverse mortgage is and whether it’s a good deal .

Nickel at Five Cent Nickel answered a reader question on Roth IRA income limits and marriage. Meanwhile, NCN at No Credit Needed said it’s time to fund 2008 IRA, $10.64 per day.
FMF at Free Money Finance posted an idea for saving: put your change in savings every night.

MBH at Mighty Bargain Hunter talked about the new 2008 Presidential dollar coins. I always get some after each of the $1 coins were released last year, not as an investment, but collection.

David at Money Ning suggested make bigger contributions to 401(k) plan at the beginning of the year. One year ago, I had a similar idea

Another David at My Tow Dollars listed three legal documents everybody should have and I have none of them

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Jeremy at Generation X Finance discussed Fed’s plan on curb shady mortgages.

Ben at Money Smart Life talked about making money from selling on eBay after the holiday.

Lazy Man at Lazy Man and Money asked your own definition of retirement.

Jim at Blueprint for Financial Prosperity offered his tips on saving on wine.

Nickel at Five Cent Nickel had an introduction on alternative minimum tax (AMT).

NCN at No Credit Needed was bothered by credit card offers.

FMF at Free Money Finance posted an article from Kiplinger about using 529 plans as preferred way to save.

MBH at Mighty Bargain Hunter said credit cards are not liquid evil.

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Falling house price is putting pressure on household spending, even on Christmas gifts, according to a story by Jeremy at Generation X Finance .

Golbguru at Money, Matter and More Musings felt that the value of an asset is better appreciated when lost.

Ben at Money Smart Life offered some ideas on how to earn extra cash with ExpoTV.

Lazy Man at Lazy Man and Money picked 15 products that could save your time, money and space.

Jim at Blueprint for Financial Prosperity suggested that don’t use home equity to pay off unsecured debt.

Nickel at Five Cent Nickel compiled a list of 11 books that cover all the aspects of personal finance.

NCN at No Credit Needed calculated what saving $10 everyday could mean to one 50 years later.

FMF at Free Money Finance has a post arguing that cash is the riskiest investment.

MBH at Mighty Bargain Hunter posted whey when recruiters compete, you may not necessarily be the winner.

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Jeremy at Generation X Finance talked about how to deal with alternative minimum tax.

Golbguru at Money, Matter and More Musings declared that there’s no such thing as bad debt.

Ben at Money Smart Life listed some money resolutions for a financially secure new year.

Lazy Man at Lazy Man and Money had ten things against the job search at Monster.com.

Got stocks that are a pain? Jim at Blueprint for Financial Prosperity said you can deduct the losses.

Nickel at Five Cent Nickel shared his thoughts on subprime mortgage bailout proposal. NCN at No Credit Needed offered his take on the same issue.

FMF at Free Money Finance discussed why sometimes you need to turn down a job offer.

Don’t have money for college? Then don’t go. MBH at Mighty Bargain Hunter had a story tells just that.

Money Blue Book listed some rewards credit cards for college students which can also teach them to be responsible for their credits.

TFB at The Financial Buff wondered why banks push debit cards.

Dong at AskDong suggested 10 things to do by year end.

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Jeremy at Generation X Finance went through the virtual history of stock market from 1996 to 2007.

Golbguru at Money, Matter and More Musings shared his job hunting experience and what he has learned from the sometimes painful process.

Ben at Money Smart Life wondered how much money you are really saving with all the holiday deals.

Lazy Man at Lazy Man and Money discussed how to stay on track even when working at home.

Jim at Blueprint for Financial Prosperity talked about where to put emergency money: money market account or high-yield online savings account.

Nickel at Five Cent Nickel gave his take on some *advices* from financial advisers.

FMF at Free Money Finance had an interesting story: how much does it take to be rich.

MBH at Mighty Bargain Hunter suggested investing in yourself by learning things of value.

NCN at No Credit Needed showed what he meant “making a break from the past“.

Mapgirl at Mapgirl’s Fiscal Challenge had some best ways to empty flexible spending account.

David at Money Ning discussed what individual investors should do in this turbulent market.

The Dividend Guy at The Dividend Guy Blog watched his dividend payment grow year after year.

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Jeremy at Generation X Finance said it’s time for generation X to grow up and get ahead with their own retirement savings. It’s never too early to plan for the future.

Lazy Man at Lazy Man and Money had a guest article which discussed how being lazy with money can get people into debt.

Golbguru at Money, Matter and More Musings said he had an interview from hell.

Ben at Money Smart Life concluded that short term disability insurance is not just for old married people.

Jim at Blueprint for Financial Prosperity listed 1o cars with the highest resalel value.

As the holiday season is just around the corner, Nickel at Five Cents Nickel posted some frugal gift giving ideas.

FMF at Free Money Finance talked about using HSA account to cover retirement health care cost. I attempted to do just that recently.

MBH at Mighty Bargain Hunter came up with some suggestions on how to dry up your flexible spending account. Use it or lose it.

NCN at No Credit Needed looked at the 2007 effective tax rate and discussed its role in 2008’s financial planning.

Jonathan at My Money Blog answered a reader’s question on whether the contributions to the Roth IRA could be lost if indeed the market turns bearish.

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Jeremy at Generation X Finance brought the bright side of the declining US dollar.

Golbguru at Money, Matter and More Musings illustrated the cash flow.

Ben at Money Smart Life asked whom you trust for your home, auto, family and health.

Lazy Man at Lazy Man and Money talked about how to have a successful budget meeting with your spouse.

Jim at Blueprint for Financial Prosperity showed ways to put your personal finance on autopilot.

Nickel at Five Cent Nickel discussed funding an IRA when you are not sure you can afford it.

FMF at Free Money Finance wrote how not to maximize cash back credit cards.

MBH at Mighty Bargain Hunter showed how to set up your eBay store.

NCN at No Credit Needed had some numbers for maxing out your retirement savings in 20, 30 and 40 years.

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Owning your own house is nice, but there are some downsides of realizing your home ownership dream, said Jeremy at Generation X Finance.

Lazy Man at Lazy Man and Money discussed new features of Prosper and how they make lending easier. Maybe I should take a look at it.

Golbguru at Money, Matter and More Musings posted things you should know about percentage trap.

Ben at Money Smart Life wondered why some people are so ignorant about money.

Jim at Blueprint for Financial Prosperity asked whether you are happy with your decision to rent instead of buying a house.

Nickel at Five Cent Nickel listed the contribution limits for 401(k), 403(b) and 457(b) account in 2008.

MBH at Mighty Bargain Hunter gave 7 ways to find time to invest in yourself.

FMF at Free Money Finance told us why wisdom is more valuable than money.

NCN at No Credit Needed discussed the reasons to keep things simple.

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Golbguru at Money, Matter, and More Musings discussed the tale of two ETFs. There’s no reason to own two ETFs that track the same index, IMO.

Lazy Man at Lazy Man and Money shared his experience as a live audience at CNBC’s Fast Money show.

Jeremy at Generation X Finance told us why relying on home equity is a bad idea.

Silicon Valley Blogger had a serious money saving tip on hair care. Don’t know anybody would actually do that, though.

Jim at Blueprint for Financial Prosperity shared his thoughts on the The Mother of All Tax Bills.

Nickel at Five Cent Nickel gave another reason to value your credit score.

FMF at Free Money Finance talked about issues not usually addressed when considering payoff home loan.

MBH at Mighty Bargain Hunter has 8 ways to let you invest in yourself.

NCN at No Credit Needed walked through the process of buying a vehicle.

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Lazy Man at Lazy Man and Money had done some thinking after he was forced to resign from his job. It isn’t easy for anyone who leaves job unvoluntarily. as I have been in the similar situation a couple of times. So I just wish him good luck, whether he decides to work or not.

Ben at Money Smart Life examined a free trail case and concluded that free trail offers do have some values, not just a sale tactic. However, I never tried anything that automatically bill me the full service if I don’t cancel the trial.

Golbguru at Money, Matter, and More Musings found a way to recycle the plastic covers coming with the products: save them for later use. That may have nothing to do with frugality.
Jim at Blueprint for Financial Prosperity brought a list of places to get flu vaccination.

FMF at Free Money Finance says you can actually save money if you don’t make a hotel reservation in advance.

NCN at No Credit Needed discussed ways to save for future college expenses.

Nickel at Five Cent Nickel made sense of tax efficient money funds.

MBH at Mighty Bargain Hunter offered his take on whether to have join checking account or keep them separate.

Grad Money Matters talked about student debt and entitilement attitude.

Finally, Silicon Valley Blogger at The Digerati Life has an easy way to guarantee you a 6-figure income online

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Jeremy at Generation X Finance had a story on a woman who sued Apple for the recent price cut of iPhone.

Ben at Money Smart Life discussed why selling on eBay is a great way to make some extra cash.

Lazy Man at Lazy Man and Money talked about what it takes to get that passive income that everybody wants.

Silicon Valley Blogger at The Digerati Life urged actions on getting out of debt, not worrying how you got into that situation.

Jim at Blueprint for Financial Prosperity had some ideas on what to do curing a recession.

Nickel at Five Cent Nickel said credit bureaus will offer credit freeze to customers across the nation.

FMF at Free Money Finance had some tips on saving money by only using a cell phone.

NCN at No Credit Needed said he will be a multi-millionaire if he contributes $4,000 to an IRA account for 25 years.

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Golbguru at Money, Matter, and More Musings took a look at vehicles of financial frauds. Phishing, vishing, spoofing. You name it.

Lazy Man at Lazy Man and Money made the case why Roth IRA contribution limits should be raised to keep up pace with inflation. If I remember correctly, the limit will indeed be adjusted after 2008 with a $500 increments.

Jeremy at Generation X Finance examined the new contract between GM and UAW and wondered if the agreement can reverse GM’s fortune which is on track to lose the title as the world’s largest auto maker.

Silicon Valley Blogger at The Digerati Life offered a radical way to increase your yard space. Actually, I am more interested in where that “huge parcels of land that are green as far as the eye can see” are in NJ

FMF at Free Money Finance used a guest article to unveil strategies for saving money on travel.

Nickel at Five Cent Nickel switched to Bank of America after seeing major online banks dropped interest rates.

Jim at Blueprint for Financial Prosperity shared the financial lessons he learned from Monopoly game.

MBH at Mighty Bargain Hunter had a few thoughts on the movie Maxed Out.

NCN at No Credit Needed illustrated how to use the debt snowball for debt reduction.

ISPF at Grad Money Matters wondered some DIY frugal tips such as carpet cleaning at home.

Moolanomy said making the first million dollar is the hardest. Of course, from $0 to $1M and from $1M to $2M are totally different games.

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Jeremy at Generation X Finance took a look at asset transfer related issues in a series of posts. It’s a very informative discussion on the means to conduct asset transfer.

Golbguru at Money, Matter, and More Musings updated a bunch of high yield online savings accounts. So far it seems ING is the only one actually lowered the rates.

Lazy Man at Lazy Man and Money wanted to build a lazy portfolio with nothing but a few ETFs. Interestingly, I ended up having the identical selection of funds when I was considering a simple portfolio.

Ben at Money Smart Life offered a creative way to determine what to sell on eBay. It won’t be an easy to gather the information from your local UPS/FedEx stores, but it could help if the method works.

Nickel at Five Cent Nickel presented some debt reduction strategies.

FMF at Free Money Finance had 5 reason ETFs beat their mutual fund counterparts.

Jim at Blueprint for Financial Prosperity asked how you organize your financial documents.

MBH at Mighty Bargain Hunter talked about some windfall psychology.

NCN at No Credit Needed had a guest post on dividend investment.

My Wealth Builder has some stories about people retiring before fifty.

The Financial Buff discovered what he called the best checking account.

My Two Dollars wondered whether you have ever spent on anything.

Finally, I participated in last week’s Carnival of Personal Finance host at Money, Matter, and More Musings. My contribution is using FINRA’s online tool to analyze mutual costs.

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Silicon Valley Blogger at The Digerati Life talked about how to cut down travel cost by being a house guest. Next time when we have our vacation in the bay area, we know where we should go

Golbguru at Money, Matter, and More Musings digested the true meaning of a “We Care” message from USPS. Well, at least they apologized for messing up stuff.

Jeremy at Generation X Finance gave a visual guide on how to use Morningstar’s tool to compare mutual funds. I use Morningstar quite a lot in mutual fund research and the comparison tool is very handy.

Ben at Money Smart Life discussed some tricky sales tactics last week. They always sound like you are going to regret it if you miss the event, then one month later they run the exact same ad again.

Jim at Blueprint for Financial Prosperity pointed out that having a goal can help you being frugal.

Nickel at Five Cent Nickel had a Q&A on using IRA to pay off a student loan.

FMF at Free Money Financing showed how to earn 2.6% cash back from both AMEX Blue card and Chase Freedom card.

NCN at No Credit Needed noted the importance of understanding the big picture in saving money and reduce debt.

MBH at Mighty Bargain Hunter shared 7 prudent things you can do with small windfalls.

Get Rich Slowly asked whether one can save too much. My answer would be “Yes, it can happen.”

Plonkee Money took on the value of career plan and wondered if it really matter.

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Jeremy at Generation X Finance listed a few good reasons why I should pay my taxes.

Lazy Man at Lazy Man and Money said he will stop contributing to Prosper.

Ben at Money Smart Life had a feeling of what retirement would like: being 18 with money.

Golbgurn at Money, Matter and More Musings talked about interest rates for dummies.

Jim at Blueprint for Financial Prosperity gave his take on 0% finance offer.

FMF at Free Money Finance offered a money saving tip: shop now for holiday gifts.

Nickel at Five Cent Nickel used a guest article to outline the high cost of low risk investing.

MBH at Mighty Bargain Hunter said the price of iPhone could go down again.

Pro Bargain Hunter is working a secret project called hot deals without limit.

TJP at Investor Trip quoted Mr. Buffett to argue that you should invest what you know.

Finally, KMC at Advanced Personal Finance host last week’s Carnival of Personal Finance. I participated with my post on making money from credit card arbitrage. A post from Gather Little by Little on simplifying finance is an interesting read.

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Golbguru at Money, Matter, and More Musings shows the worst credit card he has ever seen.

Silicon Valley Blogger asks What Color Is Your Job?

Lazy Man at Lazy Man and Money starts a new Save Money Mondays series with the first batch of money saving tips on entertainment.

Ben at Money Smart Life questions whether credit repair companies worth the fees they charge.

Free Money Finance declares Jim Cramer doesn’t know stocks.

Jim at Blueprint for Financial Prosperity talks about the best day to buy stuff.

MBH at Mighty Bargain Hunter discusses debt reduction and person to person loan.

Nickel at Five Cent Nickel wonder whether it’s a good idea to buy a house using funds from an IRA account.

My Wealth Builder lists top US universities and where to avoid debt.

Punny Money has a crazy idea of six-month prohibition to cut debt, eliminate alcoholism, and save families at the same time.

Clever Dude takes a look at the motivation of changing job in his Examine Your Motives series.

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Jeremy at Generation X Finance answered reader’s question about whole lift insurance and concludes that a term policy may be a better choice.

Lazy Man at Lazy Man and Money was surprised when an email he received declares “Prosper beats S&P 500.” Well, they can choose to tweak the data the way they want to make their business look appealing, it’s still not for me.

Golbguru at Money, Matter, and More Musings examined the relationship between intelligence and wealth and found that good financial management doesn’t necessarily require high intelligence. It does, however, need discipline.

Silicon Valley Blogger at The Digerati Life shared a story on how NOT to promote yourself or your business if you want to success, plus a list of recommendations on what should be done.

Jim at Blueprint for Financial Prosperity talked about how you should compare salaries and reminded us it’s never a good to compare ourselves with others.

FMF at Free Money Finance posted how much money you can borrow to build your own home plus a book giveaway.

Nickel at Five Cent Nickel had something to say on how to make money in stock market.

JLP at AllFinancialMatters responded to an “advice” which suggested whenever one feels nervous about the fluctuation of the stock market, get out and wait “for at least three weeks, then wait until I started feeling confident about the stock market again.” Wow! What if the market drops again right after getting back in after three weeks? Get out, wait, then jump back in again? MBH at Might Bargain Hunter also joined the discussion with his own reasonings. Investing is not gambling. Why let emotion control your investment behavior? Why not develop a diversified portfolio based on risk tolerance, return expectation and investment time frame and stick to it?

Finally, I participated last weeks Carnival of Personal Finance hosted at The Simple Dollar with my post on how FNBO made me feel uncomfortable of doing business with them. I also contributed to Festival of Stocks held at Fully Stocked. My post discussed the newly IPOed Chinese stock EJ (E-House Holdings).

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Lazy Man at Lazy Man and Money wonders if anything comes with electronics nowadays. If you have to buy a printer cable separately when you buy a printer, then I’d say maybe nothing.

Silicon Valley Blogger at The Digerati Life explains how to profit from the weak dollar. On top of her suggestions, maybe you can buy (or invest in) gold as gold could be used to hedge against the falling dollar.

Golbguru at Money, Matter, and More Musings lists 12 things he won’t spend a dime on. We have a manufacture installed GPS navigation system in our van and we love it. It saved a lot of headache, and time and fuel.

Ben at Money Smart Life says time is money and reveals his plan to stop wasting time and money. Yes, it pays to be efficient, both on and off the job.

Jim at Blueprint for Financial Prosperity has 10 reasons to go with credit and debt cards. I am a credit card person, so I can use five of them.

Nickel at Five Cent Nickel talks about money and happiness. I remember read somewhere before that money can indeed buy happiness.

FMF at Free Money Financing asks Who’s to Blame for America’s Mortgage Mess? Lenders? Or ourselves?

MBH at Mighty Bargain Hunter continues his making money on eBay series. This time he discusses how to start your own business on eBay.

Ask The Advisor has a nice article on how to retire early.

Investor Trip suggests raising cash to profit from short-term stock market corrections.

Finally, I participated in last week’s Carnival of Personal Finance hosted at My Open Wallet with my post on credit card arbitrage and credit score.

Original Post on The Sun's Financial Diary

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Silicon Valley Blogger asks “I’m frugal, so why can’t I save more money?” Very interesting discussion. Looking at myself, I don’t think I did very well in the spending-control part as well as I found myself in the “Eating out tonight has no affect on going out the rest of the week” category, though we don’t eat out that often.

Golbguru at Money, Matter and More Musings takes a look at Best Buy’s “Back To School Tech List” and declares that “it is essentially a big load of crap.” I wonder why so many tech gears are “essentials for college life.”

Jeremy at Generation X Finance suggests strategies to profit from a down market: short selling. I have never used the technique before in my stock trading. Perhaps I should use it as some of my stocks are going nowhere but down

Ben at Money Smart Life has an idea of showing your spouse you care and it’s making spousal IRA contribution.

FMF at Free Money Finance is surprised by the fact that there are 60 million adult Americans don’t pay taxes at all.

Jim at Blueprint for Financial Prosperity felt the pain of recent market turmoil and unloaded his Vanguard Target Retirement 2050 investment.

MBH at Mighty Bargain Hunter has another good reason to buy a car with cash: you don’t have to get anybody’s approval when it’s available.

Nickel at Five Cent Nickel says Capital One sucks slightly less now as they starts to report credit limit instead of the actual balances.

Jonathan at My Money Blog has a nice calculator to calculate the profit from credit card 0% balance transfer.

Mapgirl at Mapgirl’s Fiscal Challenge says she’s a better saver than a debtor and asks what about you?

Finally, I participated in last week’s Carnival of Personal Finance hosted by The Frugal Law Student with a post on adding VISVX to VTMSX.

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Original Post on The Sun's Financial Diary

Special bonus offers

• Citi Forward Card 11,000 Bonus ThankYou Points
• Lending Club $25 Sign Up Bonus
• TradeKing $50 New Account Bonus in October
• CollegeAdvantage $50 Bonus