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Welcome to the 64th edition of the Money Hacks Carnival!

 Thanks for stopping by! If you would like the chance of winning a $10 gift card to Global Giving, please follow the directions at that link. I am real excited to give one out, and hope you are excited about the possibility of receiving one. If this is your first time stopping by, you can just subscribe to my feed or get email updates. This will automatically get you one step closer to winning the gift card, as well as giving you daily updates for my website!

With all of that being said, I am honored to be able to host such a great selection of posts. A whopping 88 posts were submitted and my eyes are pretty sore at this point. If I were you, I would get my reading glasses on and get ready to go!

If you aren’t aware by now, today is May 13th. That means National Apple Pie Day has arrived!

Before I educate you about the history of Apple Pie…

Here are my favorite posts out of the 88 submissions:

• MoneyEnergy presents Don’t Wait Until You’re 50 To Start Preserving Your Wealth posted at MoneyEnergy, saying “more about wealth preservation/protection than about *saving* per se….“
• Kelly Whalen presents just keep swimming, just keep swimming posted at the ¢entsible life, saying “Sometimes you feel like you’re swimming upstream when you are paying off debt, or in my case rebuilding our emergency fund. Here are some ideas on how to bring in extra $, and a reminder to “just keep swimming.”“
• Jeff Rose presents 6 Reasons Why College Students Think You Should Invest posted at Good Financial Cents by Jeff Rose Certified Financial Planner.
• vh presents Budgeting and strategies for saving posted at Funny about Money.
• Darwin presents Start Investing Today: An Amazing Comparison of 25 vs 35 Year Old Starters posted at Darwin’s Finance, saying “This article shares some neat numerical and graphical representations of the stark differences between an investor/saver starting at 25 vs 35 years old.”
• FFB presents Credit Cards Don’t Suck, You Suck! posted at Free From Broke, saying “Credit cards are not all to blame for your credit debt.”

Definitely check out those 6 articles. Now onto the rest of the Money Hacks Carnival!

This is one of the first records of modern Applie Pie. The year is 1390. The pastry (coffins) were not meant to be eaten.

XXIII. For To Make Tartys in Applis

Tak gode Applys and gode Spryeis and Figys and reyfons and Perys and wan they are wel ybrayed co-lourd wyth Safron wel and do yt in a cofyn and do yt forth to bake well.

Frugality & Saving Money

• Condo Blues presents Can’t Compost? Use Coffee and Eggs Instead! posted at Condo Blues, saying “A great alternative if you don’t have room for a compost or worm bin.“
• FMF presents Another Example of How a Knowledgeable and Fair Sales Person Can Save You Money posted at Free Money Finance, saying “Finding a fair and knowledgeable sales person can save you a ton of money.“
• Billeater presents Dining Out Cheap posted at Billeater.com.
• Dan presents Savings Tips Consumer Reports Style posted at Everyday Finance, saying “This article highlights several great savings tips from the latest Consumer Reports edition, as well as some additional ideas.“
• Wren Caulfield presents 10 Ways to Have Big Fun for Little (or No) $$ posted at True Adventures in Money Hacking.
• Studenomist presents Evaluating the Cost of a Gym Membership posted at Financial Independence in Your 20s | Studenomics, saying “Looking at 4 different types of gym memberships and whether they are worth the money or not.“
• AJC presents Bunker Strategy For Surviving A 12 to 24 Month Recession posted at How to Make 7 Million in 7 Years™, saying “If you own your own home, but feel that your job may be at risk in recession, then this left-field strategy may just save you from financial ruin.“
• Jeff@StretchyDollar presents Buying When You Don’t Need – A Money Saving Tip posted at StretchyDollar.
• Lazy Man presents Save Money on Cell Phones posted at Lazy Man and Money.
• Kate Kashman presents Busy posted at The Paycheck Chronicles, saying “We all get 24 hours in a day, and you can’t do it all. Making sure your frugality fits in with your personal values.“
• Cindy S presents Have You Turned On Your Air Conditioning? posted at Oh My Aching Debts, saying “It’s almost air conditioning time and this is a list of ways that you can save money by staying cooler.“
• Matt Jabs presents Expensive Habits – Quit Them and Invest Your Proceeds! posted at Debt Free Adventure.

Money Management

• Deposit Accounts presents Benefits of Using Direct Deposit posted at Deposit Accounts.
• Leave Debt Behind presents How to Make a Budget You’ll Use Consistently posted at Leave Debt Behind.
• Money Beagle presents How I Calculate Our Net Worth posted at Money Beagle.
• Ben presents Financial Confession: I don’t Budget posted at MoneySmartLife.com.
• Mike Pastore presents Your Passion is The Road to Success and Financial Freedom posted at www.mikesmillions.com.

By the 16th century, sugar was more readily available and the pastry could be eaten.

To make pyes of grene apples - Take your apples and pare them cleane and core them as ye wyll a Quince, then make youre coffyn after this maner, take a lyttle fayre water and half a dyche of butter and a little Saffron, and sette all this upon a chafyngdyshe tyll it be hoate then temper your flower with this sayd licuor, and the whyte of two egges and also make yourcoffyn and ceason your apples with Sinemone,Gynger and Suger ynoughe. Then putte them into your coffin and laye halfe a dyshe of butter above them and so close your coffin, and so bake them.

Debt & Credit

• apply4-credit presents Credit Card Skimming on the Rise posted at Apply4-Credit.com.
• Debt Free Destiny presents Steps to Repair Your Credit Yourself posted at Debt Free Destiny.
• debt kid presents What Puking After a Workout Taught Me About Finance posted at Debt Kid.
• Aryn presents How a Reduced Credit Limit Affects You posted at Sound Money Matters.
• jim presents What Is A Good Credit Score? posted at Bargaineering.
• Raj Patel presents Social Security Income Taken Over Credit Card Debt? posted at DebtGoal.
• David presents 9 Tweeters Every Credit Card Hound Should Follow posted at Credit Card Offers IQ, saying “Check out theses credit card twitterers worth following.“
• Mr Credit Card presents Should I Tell Amex That I?ve Lost My Job? posted at Ask Mr Credit Card’s Blog.
• Thursday presents Close A Credit Card — The Right Way | Wealth Junkies posted at Wealth Junkies, saying “Canceling your credit card may seem like a simple proposition, but there are a few twists and turns as you cancel your card, which can damage your credit if you aren’t careful. Being aware of such issues — and hopefully taking care of them — can get you through closing a credit card with no problems.“
• Patrick @ Cash Money Life presents Who is Dave Ramsey? posted at Cash Money Life, saying “A mini bio about Dave Ramsey, one of the most popular personal finance gurus in the US.“
• The Smarter Wallet presents Managing Debt Wisely: Should You Give Up Credit Cards? posted at The Smarter Wallet.

Education & Career

• Khan presents Dealing With Financial Aid Debt posted at Higher Education and Career Blog, saying “There are several ways for the grad to conquer college debt.“
• Matthew Paulson presents Should You Consolidate Your Student Loans posted at American Consumer News.
• Dana presents Battling it Out During Tough Times: MBAs vs. Entrepreneurs posted at Investoralist, saying “Which group is better-equipped for the tough times, MBAs or entrepreneurs?“
• Kaushik Chokshi presents Are you unemployed – Lost your job? – Worried about your job? Laid off? Not finding a job? Do you have anxiety about the financial crisis? posted at Beyond Karma, saying “How to instantly relieve anxiety about job loss, business downturn, and the financial crisis.“
• mfd presents To Work Or Not To Work? posted at My Findependence Day.
• Canadian Finance presents Capital Cost Allowance (CCA) posted at The Canadian Finance Blog, saying “Capital Cost Allowance is a set of rates stating the amount you can claim each year on a depreciable property used for business activities.“
• Margaret Garcia presents 100 Tips, Tools, and Resources to Help You Survive Without a Job posted at Radiography Schools.

When the colonists arrived in North America in the 17th century, they were confronted with plenty of problems. One of them was apple pie.

You see… the English colonists arrived and found only crab apples, which are the only native apples to the US. European settlers arrived and brought with them their English customs and favorite fruits. In colonial time apples were called winter banana or melt-in-the-mouth.

Investing & The Economy

• Bootstrap presents Why Dividends Suck posted at Bootstrap Investing, saying “Even dividend investing has downsides.“
• Michael Haltman presents Man, Is This A Real Bull Market? posted at The Political and Financial Markets Commentator, saying “Why Do I Watch CNBC? I’m not sure, but if you look closely at CNBC during the day the anchors are all wearing Dallas Cowboys cheerleading uniforms. Men and women. Now it is my fault for watching it, as I have the option to change the channel, but I do like the ticker going across the bottom. Takes me back to my trading days..”
• Zach Scheidt presents Children’s Apparel Makes for Good Business posted at ZachStocks, saying “Carter’s Inc. (CRI) has performed well for a retail stock in this economy. The company reported strong earnings last week but issued cautionary guidance. The stock offers a great chance to own a quality growth company.“
• D4L presents Are ETFs and CEFs Good Income Investments? posted at Dividends Value, saying “Dividend investing is not about buying high-yield stocks to generate a high income. Instead, dividend investing is about finding solid dividend stocks that are reasonably priced and are expected to continue raising their dividends in the future. So, are ETFs and CEFs a good fit for this strategy?“
• Wealth Pilgrim presents What is the ?Smart Money? Move Right Now? posted at Wealth Pilgrim: Money Management Advice, Financial Stress Management, & Resources, saying “Should you take advantage of current market strength by buying more or selling everything? Let’s examine.“
• Stephen Todd presents Stock Market Tips – How To Make Money posted at Buy Stocks.
• Jack Schmidt presents Hot Trends – Going Once, Twice, Three Times! posted at SectorMatic Money Journal, saying “Everything for the Big Spender on a Budget! Now you can live like a fat cat, even if you’re on a money diet. Laugh all the way to the bank with Jack Schmidt and SectorMatic. It’s for you!“
• DR presents Dave Ramsey Unleashed: How to Apply Ramsey’s ‘Baby Steps’ to Grown Up Finances posted at The Dough Roller, saying “See how to apply Dave Ramsey’s Baby Steps for those already on their way to retirement.“
• Bank Savings Review presents Bank Stress Test Results posted at Bank Savings Review, saying “We finally got the results from the bank stress test but did anyone fail? Nope. Not much of a test huh?“
• MatthewPaulson presents Grow Your Investments: Know the Rule of 72 posted at Fine Tuned Finances.
• Ryan Suenaga presents Whether You Believe the Rally is Real or Not, Don’t Deny it posted at Uncommon Cents.
• ABC presents Commodities posted at ABCs of Investing, saying “A brief explanation of commodities.“
• The Happy Rock presents Scary Movies And A Personal Finance Video Game posted at The Happy Rock.
• mbhunter presents Anti-credit-card legislation hurts just about everyone posted at Mighty Bargain Hunter.
• MBR presents CD Early Withdrawal Penalties posted at MonitorBankRates.com, saying “Certificate of deposit early withdrawal penalties will cause you to lose most of the interest you have earned, sometimes all of the CD interest depending on the bank.“
• Woman Tribune presents Fed Report Shows Banks Tightening Lending Standards on Credit Cards posted at Woman Tribune.
• Manshu presents Value Traps posted at OneMint.
• Sun presents Prosper Relaunches, Becomes Prosper Loans Marketplace posted at The Sun’s Financial Diary.
• Super Saver presents On Surviving Early Retirement during the Financial Crisis posted at My Wealth Builder.
• Barry presents Stock Market Rally: First Stage Of A Primary Bull Trend? posted at Jeflin’s Investment Blog.
• Jorge presents The Crisis of Credit Visualized posted at Independent Minded, saying “Great 11min video explaining how we got ourselves into the current economic crisis.“

Insurance

• nickel presents How to Save Money on Car Insurance posted at fivecentnickel.com.
• Debt Freedom Fighter presents Want to Get the Best Car Insurance Rates? posted at Discover Debt Freedom.
• Steve Faber presents Cheap Car Insurance for a Woman Driver posted at Cheap Car Insurance.

Creating a tradition.

In the 18th century, we Americans really started to stake our claim to Apple Pie. The Swedish parson, Dr. Israel Acrelius, wrote about the New Sweden settlement on the Delaware: “Apple pie is used throughout the whole year, and when fresh Apples are no longer to be had, dried ones are used. It is the evening meal of children. House pie, in country places, is made of Apples neither peeled nor freed from their cores, and its crust is not broken if a wagon wheel goes over it.”

Home & Mortgage

• Tim Johnson presents Need to Move but You’re Flat Broke? Here’s What to Do posted at Relocation.com, saying “If you’re unemployed and can’t find work in your current hometown, you might consider a move to a new community that has better economic prospects. But what if you’re also low on funds? Here are some ways to finance your move — and tips for saving on your moving costs.”
• Mark Aucamp presents How often should you remortgage? posted at Money Saving Expert., saying “Over the years I have come across people who have been brainwashed into remortgaging every two or three years by their Bank, Building Society or their Mortgage Broker. These intelligent people are sold the story that know body knows where the interest rates will be in two or three years time and it is better not to tie yourself into a long term fixed rate just in case interest rates fall.”
• Kyle presents What is a Mortgage Broker posted at Suburban Dollar, saying “A look at Fixed rate and Adjustable rate mortgages, and why you should chose a fixed rate every time.”
• kathryn presents Even More Easy Savings around the House posted at Out of Debt – Christian Finances and Debt Help, saying “The more money that you can save then the less stress you are likely to feel each month. Little savings around the house can quickly add up and take some of the burden off your wallet.”
• Madison presents Making Home Affordable Q & A posted at My Dollar Plan.
• Christopher Williams presents Getting the Bait on Good Home Loan Terms Despite Bad Credit Score posted at Dollas2wealth.

Reviews

• PT presents High-Yield Savings Account Mini-Reviews posted at Prime Time Money, saying “All about the best online banks.”
• MoneyNing presents TradeKing Review posted at Personal Finance Blog by Money Ning, saying “TradeKing is quickly becoming one of the best stock brokers out there. Find out why.”
• Silicon Valley Blogger presents TradeKing Review: How Does This Broker Measure Up? posted at The Digerati Life.
• Investing School presents ShareBuilder Review – Stock Broker for Automatic Investing posted at Investing School, saying “ShareBuilder is not a much talked about stock broker but the automatic investing feature could be golden for those that just don’t time markets.“
• Four Pillars presents BMO InvestorLine Discount Brokerage Review posted at Four Pillars, saying “Review of BMO InvestorLine discount brokerage.”

Apple Pie a la Mode is born.

According to the historians of the Cambridge Hotel in Washington County New York, Professor Charles Watson Townsend, dined regularly at the Cambridge Hotel during the mid 1890′s. He often ordered ice cream with his apple pie. Mrs. Berry Hall, a diner seated next to him, asked what it was called. He said it didn’t have a name, and she promptly dubbed it “Pie a la mode.” Townsend liked the name so much he asked for it each day by that name. When Townsend visited the famous Delmonico Restaurant in New York City, he asked for pie a la mode. When the waiter proclaimed he never heard of it, Townsend chastised him and the manager, and was quoted as saying; “Do you mean to tell me that so famous an eating place as Delmonico’s has never heard of Pie a la Mode, when the Hotel Cambridge, up in the village of Cambridge, NY serves it every day? Call the manager at once, I demand as good serve here as I get in Cambridge.” The following day it became a regular at Delmonico and a resulting story in the New York Sun (a reporter was listening to the whole conversation) made it a country favorite with the publicity that ensued. 

Offers and Coupons

• BankMan presents Free Garmin GPS at Key Bank posted at High Yield Savings Accounts, saying “Get a free Garmin GPS system for opening a free checking account at Key National Bank. This offer excpires soon!”
• Patrick @ Money Saving Deals presents Save Money with GoDaddy Coupon Codes posted at Money Saving Deals, saying “Big savings on Domains and Hosting at GoDaddy!”

Misc.

• TStrump presents Lessons Learned from the Last Pandemic posted at The Strump – Financial Blog, saying “The thing about history is that it tends to repeat itself. A similar outbreak of the flu happened in 1976. What happened then and how is it similar to today?“
• CreditCardAssist.com presents Cut Your Tax Refund and Have Money For Bills posted at CreditCardAssist.com.
• Ralph Jean-Paul presents Perform Under Pressure posted at Potential 2 Success, saying “Sooner or later you will be in a pressure situation. If you are unable to handle it correctly, it may cost you a promotion, job, or an opportunity to experience new things and meet new people. Practice these techniques and you will soon begin to see how well you can perform under pressure.”
• J. Money presents I Grant You One Free Luxury – Which Shall You Pick? posted at Budgets are Sexy., saying “If you had the choice of getting a personal driver, chef, assistant or even free food for life, *which* would you choose?“
• Miss M presents The List: Personal Finance Acronyms posted at M is for Money.
• Junior presents How To Evaluate Car Buying Deals posted at Car Commentary, saying “When it comes to buying a car, everyone wants to get the most value they can for their money.“
• NH presents New Car Financing Options posted at Car Loan Tips, saying “There are a few financing options if you are going to buy a new car.“
• Robert D Flach presents HERE’S SOMETHING TO THINK ABOUT posted at THE WANDERING TAX PRO.
• Jason Fisher presents Guarantee Failure posted at Improve The Quality.
• Tallahassee Real Estate presents Using an RSS Feed To Read Your Favorite Real Estate Blog posted at Tallahassee Real Estate Blog saying “If you know of a good blog that you would like to read on a regular basis, you should find its Subscription Button that encourages you to subscribe to it. The purpose of this article is to help you understand the value of an RSS feed and how to utilize it to bring information to you easier.“

“We’re fighting for mom and apple pie.”

The phrase “as American as apple pie” actually comes from the World War II era where servicemen and women were instructed to answer reporters that they were fighting for “mom and apple pie.” That brings us to today.