In her second annual Mega Holiday Gift Away celeb cook-turned-entrepreneur Rachel Ray is increasing odds of winning by offering more presents, more time to enter and more chances to walk away with the Grand Prize. Featuring free gifts totaling $145,463, Ray's successful Everyday with Rachel Ray Magazine is cranking up the heat this holiday season with daily "gift aways" from November 16 through January 27, 2010.

The Grand Prize allows two foodie fans to attend a taping of the Rachel Ray Show in New York City . However, if you don't wind up on set, the consolation prizes are pretty sweet too.

Black Friday's prize offers the chance to win $500 dollar American Express gift cards. On other dates in December, enter to win an HP mini notebook or desktop computer, golf clubs from Callaway, an Orbitz ski vacation, a culinary weekend for two at Hotel Viking in Newport, RI, a Jacuzzi hot tub or a week on a Norwegian Cruise Liner - to name a few.

The ramp up to Black Friday has been more energetic this year than any I can remember. There's a near insatiable thirst for discounts and door busters and retailers are more than willing to do whatever it takes to satisfy that thirst.

I've been covering national big box retailers for nearly 15 years now, and the volume of discounts this Black Friday is simply astonishing. All the national retailers like Best Buy, Target, Toys R Us and Walmart are rolling out new deals so fast it's difficult to keep track (although WalletPop does, check out our Black Friday listing). But there's more to retailing than national chains, and it's important to remember that mom and pop shops need to ring their registers too. This year, more than ever.

When the concept of "Mommyblogging" first hit big, scoring a payday meant getting a book deal, and the only scandal was how some of the novels produced pumped up the sex content over the spit-up.

But then the tables turned and somehow the term became a pejorative for "sell-out." Now moms who blog stand accused at every turn of taking freebies, shilling products while secretly on the company payroll and of profiting from a huge payola system of their own devise.

There must be money involved if the Federal Trade Commission saw fit to intervene and start requiring bloggers to disclose freebies or financial relationships as of Dec. 1. But is a pot of gold really out there for bloggers?

I'm one of those 30 million people without health insurance. I don't have it, my wife doesn't have it, my daughter doesn't have it.

The short version of the story goes like this. A couple of years ago, I received a note from my insurer that they were going to be tripling the monthly premium for my small business coverage. So I had no choice but to either go broke paying the new premium, or simply cancel the coverage. I canceled it.

In the meantime, I was hit by a car while cycling and fractured my T10 vertebra.

If you're entertaining over the holidays, make sure you save yourself some money by following these simple money saving tips inspired by Jeannette Pavini, the Household Savings Expert of Coupons.com.

Simplify Your Ingredients: If a recipe this Thanksgiving calls for creme fraiche, use Greek yogurt instead. Take a look at your menu to see what simpler, more affordable ingredients you can sub in for the fancier stuff. Instead of serving the entire bird, save money by serving turkey breasts. This will also save you money on your energy bill, since it takes less time to cook, and it saves you from all those turkey leftovers. Don't forget to ask for day-old-bread -- you'll get a deep discount on the price and it's just as good if you warm it in the oven or use it for making croutons.

More than 2.1 million drop-side cribs are being voluntarily recalled by their manufacturer, Stork Craft Manufacturing, Inc., after four incidents in which infants were trapped and suffocated, according to the Consumer Product Safety Commission. The recall includes about 147,000 cribs with the popular Fisher-Price logo.

The recall is the largest involving cribs by the CPSC.

Although Stork Craft is based in British Columbia, the cribs were manufactured in China and Indonesia, as well as in Canada. They have been sold since 1993 under a variety of brand names, including Fisher-Price, at outlets including Wal-Mart Stores, Kmart and Sears, inc.

Drop-side cribs are popular with parents because the mechanism makes it easier to lift baby out of the crib without having to hunch over the sides.

According to its press release, CPSC urges parents and caregivers to immediately stop using the recalled cribs, wait for the free repair kit, and do not attempt to fix the cribs without the kit. They should find an alternative, safe sleeping environment for their baby. Consumers should contact Stork Craft to receive a free repair kit that converts the drop-side on these cribs to a fixed side.

The recall does not include cribs that are not drop-sided, according to the CPSC.

For additional information, contact Stork Craft toll-free at (877) 274-0277 at any time to order the free repair kit, or log on to www.storkcraft.com.

The Consumer Federation of America (CFA) and the Credit Union National Association (CUNA) have come out today with their tenth annual holiday spending survey, and here's what they have found: Consumers aren't going to be spending as much on their holiday gifts as in previous years.

Could there be any news that's less surprising?

Not to knock them for getting this information -- it's always good to have the data on spending, if you're a retail store owner or, I guess, a personal finance journalist. But this isn't exactly a shock.

It's definitely cruise ship season. Royal Caribbean just made a major splash by launching the largest cruise ship in the world, Oasis of the Seas. That made headlines, but there have been other news stories in the industry. Last week, the huge Carnival line also had an unveiling of its own in New York City. Oscar-winning actress Marcia Gay Harden was the godmother for its new ship, the Dream.

WalletPop was invited to take a two-night ride on the ship, which is impressive but no record-breaker, as a guest of Carnival. Since the ship was packed with die-hard cruisers and travel writers eager to get their first peek at Carnival's newest vessel, it was the perfect opportunity to ask experienced cruise travelers for their favorite money-saving tips for taking a cruise.

Once you've paid your fare, your room is taken care of. So are your meals, provided you stick to the few on-board restaurants that are included in your ticket price. But after that, the costs start mounting. WalletPop's Jason Cochran, who has taken quite a few cruises himself as a travel writer, asked passengers on the sparkling new Dream for their best money-saving tips.

Black Friday and Cyber Monday deals are being announced or leaked at such a rapid rate its getting difficult to keep track. Of all the retailers, Toys R Us may well be the most aggressive with the deals and now it is expanding online discounts for the big day, with free shipping, bonuses with purchase, and some special payment plans.

There's even an online layaway program called Bill Me Later. Through Saturday, November 28, new Bill Me Later customers will receive $10 off purchases of $30 or more, with no payments for up to 90 days. In addition, all customers who opt to use Google Checkout will receive $10 off purchases of $60 or more.

Aaron Carter is having a bad week. Just days after his elimination from Dancing with the Stars' ninth season, news surfaced that Carter was slapped with an IRS lien worth more than $1 million. The liens, which were filed in Los Angeles last week, date back to 2003.

Carter has been trying to repair his bad boy image in recent months, including adding a new management team. Carter's current manager, Johnny Wright, told ET News, "It is unfortunate that while Aaron was a minor, his finances were grossly mismanaged by his previous team which has lead to the current situation of which he was unaware of until today. Aaron is working with a new team to take appropriate actions towards speedy resolution of the matter and looks forward to putting this behind him and moving forward with the next stage of his music career."

When we wrote about sneaky bank practices, a lot of readers wrote in suggesting that fee-weary customers ditch the big bailout-recipient banks in favor of small community banks or credit unions. In fact, many professional personal finance advisers say exactly the same thing, so WalletPop talked to a few of them to get their recommendations and advice for how to go about finding one of these friendlier financial institutions.

First, you'll need to find a place. While finding a bank can be as easy as driving down your local main street or commercial district, finding a credit union can take a little more sleuthing. Since credit unions are membership organizations, you need to find out which ones you are eligible to join, says David Beck, director of policy at Center for Community Self Help, an organization which includes the Self Help Credit Union and the Center for Responsible Lending.

In many cases, this may be as simple as living or working in an area that is home to a particular credit union, but being a current or former member of the military, many trade unions, religious communities and educational institutions may also qualify you for credit union membership.

News from Illinois and other Midwestern pumpkin farms has me worried I'll have to add more security to my front walk. My front yard, relieved this spring of its burden of grass, is a wild mess of corn stalks, bean and tomato vines, sunflowers, asparagus ferns, and pumpkins. My kids have already eaten one pie and two loaves of pumpkin bread from the gourds grown right here. Come December, we could be the only ones for blocks eating pumpkin pie; food giant Nestle says a rainy Midwestern growing season means they've lost what was left of a small harvest; and there will be no more Libby canned pumpkin shipped after Thanksgiving.

Nestle controls an incredible 85% of the U.S. pumpkin crop destined for canning, and it's located on 5,000 acres of farmland in Illinois. The crop was looking 15% to 50% smaller than normal at the end of the summer; and then came the fall rains, which destroyed what remained. Typically, Nestle cans the late bloomers from the 2009 crop in October and November to stock shelves for Christmas and the first half of the next year.

It turns out that the bad economy is great for coin-op laundromats. Because, though houses with laundry rooms will be foreclosed upon, washing machines and dryers will break and be too expensive to fix, and sometimes, we lose our homes entirely, we still need clean clothes.

Long the refuge for college students, the young creative class, jobless, homeless and others not in possession of a few Whirlpools, laundromats are now flourishing. And the middle class is showing up, too, pride and laundry baskets in hand.

By all appearances, this would be a great time to get into the business of laundry; the Wall Street Journal recently profiled one such man, Brian McChristian, laid off in early 2008 and now running the Austin, Texas Community Coin Laundry; and he's one of the lucky ones. His business is doing well, thanks in part to his efforts to keep his parking lot and facility free of anyone not doing laundry.

According to the Consumer Electronics Association, video games are the third most desired product this holiday season, and electronics retailers aren't the only ones angling to capture sales. Toys R Us is launching layaway, trade-ins and even more sales on video game hardware.

Toys R Us has been introducing new deals at a furious pace leading up to Black Friday, and beginning Friday, Nov. 18, the chain is expanding its layaway program to video game hardware (except in Maryland). Placing a product on layaway requires a deposit of 20% of the total, including taxes and a $10 service charge. Items must be paid for in full by Dec. 6.

The retailer began taking trade-ins of video game software in October, and will now accept hardware, as well. Bring gaming devices to a Toys R Us store and have the hardware scanned at the service desk to determine value. Accept the offer and you'll be issued a gift card for the value that can be redeemed immediately in store or online.

You'll find numerous blogs out there threatening jail time for the uninsured, but don't believe them. This is just another scare tactic to prevent health insurance reform.

While it's true there are penalties for those who choose not to get insurance, that penalty is 2.5% of one's income and the penalties will be collected by the IRS. Jail time is not likely. In fact criminal prosecutions by the IRS are rare. Of 156 million individual tax returns filed in 2008, only 100 resulted in criminal prosecutions for those who willfully defrauded the system. The penalty will only impact those who are wealthy enough to pay for insurance and choose not to pay. The intent is that this penalty will be used to pay for the medical needs of those who choose not to get insurance.