The Walmart Black Friday ad leaked out to many deal collecting sites earlier this week, but until yesterday they kept it offline under threat of legal action by the mega retailer. After the OK was finally given, the entire Walmart Black Friday ad has been posted and it contains a lot of deals. Best of all, you won't have to wait outside for any of the savings since Walmart will be open all night over Thanksgiving -- although you will have to wait until 5 a.m. to make your purchases.

Walmart's biggest Black Friday deals:

If you are spending less on shopping this Black Friday you're not alone. A recent survey performed by Dealnews.com found that a quarter of shoppers are planning to spend less on Black Friday.

The survey further found that fewer people will be shopping on Black Friday as a whole and that women shop for other people on Black Friday, whereas men shop for themselves.

It's no shocker that men do more shopping on themselves on Black Friday, since I know few fellows who would brave a Black Friday crowded for anyone other than themselves.

With Black Friday almost here and Cyber Monday just around the corner, there's no denying that the holiday season is upon us; and for many people that means online shopping. For Identity Thieves and scammers, though, this is the time of year to roll out new ways of going after your identity, your money and your credit.

WalletPop has already warned you about the numerous ways that online scam artists are trying to dupe you with fakes, but we wanted to make sure that you are as educated as you can be when it comes to safeguarding your information and money. We went to three industry experts to find out how to stay safe on Cyber Monday and through the rest of your holiday shopping.

To get a better idea of just how much phishing and identity theft scams will increase in the next month, we spoke to Lyn Oakes, Chief Marketing Officer of Trusted ID.

"We do expect that there will be more traffic being generated by identity thieves because of the holiday season than has been in the last several months," Oakes said in a phone interview. "We think phishing emails are going to rise."

Looking back at my childhood during the 1990s, I now realize that the Internet and I have a pretty good relationship – we grew up together.

As trite as this may sound, the Internet targeted everyone, but more specifically generation Y. I remember rushing home from school to plug the modem into the phone jack, creating a dead line that blocked all incoming phone calls, all to get connected to the Internet.

I lived for that free flow of information and connectivity to the world outside of my enclosed bedroom. That AOL voice that said 'Welcome' opened the doors to a central nucleus in which I was granted access to everyone from around the world at my fingertips.

The good thing was that it was all free. Even as a child, I understood that these "free" Web sites made money from those pop-up and banner ads that appeared everywhere. I knew that I was being targeted by outside companies, but I understood the value of the Internet, and continued to log on and participate.

Popular and boisterous tech blog Boy Genius Report this week ran what one of their contacts claimed to be Apple's Black Friday ad. The ad claimed that Apple would be going against tradition and offering huge cuts across the Apple lineup.

Just how big were the claimed discounts? The ad claims that Apple will offer up to 30% off of all iPods, up to 25% off of all Macs and up to 15% off of accessories, software and other Mac hardware. Needless to say, these would be big, and I mean BIG, discounts for Apple to pull out on Black Friday. If they were true, that is.

According to a data mining company, the old adage of being judged by the friends you keep translates easily into the digital friends you keep.

Rapleaf, a social media monitoring company, claims that by analyzing public information such as the friends you have on Twitter it can assess how creditworthy you are and how likely you are to respond to advertising.

Rapleaf monitors public digital conversations and stores away your Twitter and Facebook status updates, restaurant reviews, Amazon book reviews and plenty of other online public information in its database of 378 million profiles to profile you.

Looking to boost your Black Friday budget? SmartyPig is upping its current ante -- offering customers the chance to cash in on a hefty cash bonus this holiday shopping season.

The new bonus offers customers using the on-line piggy bank some extra coin - up to 12% - when they meet their savings goal and shop at one of SmartyPig's retail partners like Macy's, Barnes and Noble and GameStop.

"The holidays can put a financial strain on anybody, and using credit cards for purchases can add to a person's debt 'holiday hangover'," SmartyPig CEO Bob Weinschenk told WalletPop.

The goal-oriented online savings program currently offers a competitive 2.01% (APY). And until Monday, November 17, had also offered the option to add 6% to your savings when shopping at one of SmartyPig's retail partners.

"Now, when customers meet their savings goal, they may be able to earn double the bonus -- 12%," says Weinschenk.

The 12% bonus is applicable to funds withdrawn from accounts that are transferred to retail partner gift cards. "The cards never expire, so they don't have to be spent just on Black Friday or during the holiday season," says Tiffany Spencer, spokeswoman for SmartyPig.

SmartyPig is also rolling out a new added incentive for consumers looking to stash cash for a vacation. Customers can now earn up to a 10% cash bonus when they meet their savings goal and opt to book through one of SmartyPig's retail partners Travelocity or American Airlines.

"Hi. This is Rachel from Cardholder Services." It's safe to say that millions of Americans have received a call from Rachel or one of her robo-calling cohorts at some point. In fact, there have been so many complaints about calls from robo-dialers with pre-recorded announcements that the government has almost entirely banned them.

As of September 1, the Federal Trade Commission barred all prerecorded telemarketing calls unless a consumer gives their written permission to receive them furst. Robo-soliciting over cell phones was already prohibited by the Federal Communications Commission several years ago.

Just don't tell that to Rachel. She doesn't appear to be slowing down -- and, at least for the time being, no one can stop her because it's not clear where she comes from.

Internet telephone provider Vonage agreed to pay $3 million and change how it deals with its customers after reaching a settlement with 32 states.

Among the allegations against Vonage was consumers continuing to be charged after canceling, not clearly disclosing the terms of its "free trial," and not honoring a supposed "money back guarantee." One problem consumers ran into -- something that particularly affected senior citizens -- was the failure to disclose in Vonage's numerous advertisements that having high-speed internet was a requirement to use the service.

When I rent movies, do I devour the DVD extras? Sure, lots of times the audio commentary is just a track of actors and directors waxing important and mostly ignoring the images on the screen, but they can still be dishy and insidery, and for my favorite movies, they can almost make purchasing the DVD worth the money.

Disney DVD knows there are lots of fans like me. For years, it has released its biggest titles in a variety of volumes. There's often a simple one-disc version for people who just want to see the movie without any extras, and maybe a two-disc version loaded up with more outtakes and mini-documentaries.

Free range cash has several drawbacks. For the user, carrying a wad of cash can be hazardous; for banks, cash is cumbersome and offers no opportunity to charge interest; to the merchant, paying cash turns buyers annoyingly frugal; for the government, cash greases illicit business operations.

Credit and debit cards are better, but still require a physical item that can be stolen, scratched or altered.

In a digital age, therefore, you should expect a digital solution to transactions, and it looks like it might come in the form of the cell phone.

Travel may be down in this economy, but there's one area where business is booming: discount booking sites. With travel providers desperate to unload unused rooms and tickets, it seems like the only sectors of the travel industry that are exploding are the ones previously seen as a last resort by the industry.

Priceline.com reported that bookings through its site, which offers steep discounts on hotel rooms and other travel products, are at their best levels in nine years. Hotwire.com, which is owned by Expedia, reports a similar boost in revenue. The Hotwire Group's sales over 12 months have exceeded $250 million for the first time, and reps told WalletPop that compared to last year, hotel bookings in the biggest markets (meaning the most popular travelers' cities) are up between 20% and 30%.

According to Folio magazine, the Internet microblogging site Twitter is in consideration to be named Time Magazine's Person of the Year (yeah, I think the idea is silly too).

However, the magazine's timing could be poor, as Mashable.com has pointed out that Twitter visitor numbers have plateaued and even declined slightly in the past five months. The site hit 23,579,044 unique visitors in August. By October, this number had dropped by over half a million.

If the trend in e-filing continues, the IRS expects more than 100 million individual taxpayers to file their tax returns electronically for the 2009 tax year.

More than one-third of those taxpayers will file by personal computer; the remainder will use a professional tax preparer or free file at an IRS site. No matter how you choose to e-file this year, following are some tips to make it as easy as possible.

More good news leaked out today for anyone looking for a Black Friday laptop deal. Both the Office Depot Black Friday ad and the Dell Black Friday ad have appeared online and show a selection of cheap laptops, digital cameras, monitors and other electronics.

If you are looking to stay warm and toasty on Black Friday you can hit up Dell where there are deals to be found on netbooks, notebooks and desktops as well as a few decently priced accessories.