Prepare entries now; publish after January 3rd!
CONTEST SPONSOR
CONTEST JUDGES
Man Vs. Debt
The Digerati Life
Money Crashers
Good Financial Cents
Contest Prizes

Staff Pick (28 winners): $50 & New York Times best seller I Will Teach You To Be Rich by Ramit Sethi

Daily Drawing (28 winners): $50

Best Hub (4 winners): $100

People's Choice (4 winners): $100

Grand Prize (1 winner): $500

The books are courtesy of our contest sponsor I Will Teach You To Be Rich. The man behind the book is Ramit Sethi, cited by The New York Times as "...[one] of the brightest minds in the world of money advice for the young" His blog posts make for good reference points when you're creating your own Personal Finance Hubs (and contest entries!).

CONTEST & RULES

Money Grows on Hubs is designed to help you educate yourself about Personal Finance, organize your finances, share your notes on HubPages, and make money from them! Throughout the month of December, we will share helpful resources on researching and writing about Personal Finance, and in January, you can enter your Personal Finance Hubs to write to win amazing prizes!

Here is a brief summary of the rules, but please read the full Official Rules at the bottom of this page before starting, since you are bound by their terms by participating:

  1. Create a HubPages account, if you don’t have one. It costs nothing, and only takes a minute. And you only have to do it once!
  2. Publish up to five new, original Hubs, per day in the Personal Finance category. Check the contest calendar below for bonus topics.

Keep in mind that all entries MUST...

  • • Be categorized within the Personal Finance Category
  • • Be a minimum of 300 words
  • • Contain completely original content

... in order to qualify.


The Daily Bonus Topic: Every day of the contest features a Bonus Topic related to a weekly Personal Finance theme. Bonus Topics are designed to give you ideas for entries, and are entirely optional, however if you publish a Hub categorized within a contest day's Bonus Topic, it will be granted three additional entries in the day's Daily Drawing. (This does not have any bearing on the 5 per-day Hub limit). Only three additional entries will be granted to each Bonus Topic participant per day.


An ongoing list of winners will be posted on this page. Bonus Topics as well as Staff Pick and Daily Drawing winners will be posted in the Topic Calendar.

Please read official rules (below) for complete details and eligibility information.

Judging criteria for Money Grows on Hubs:
  • • Search-friendly topic/title of appropriate scope*
  • • Engaging, informative writing
  • • Photos, especially your own
  • • Specific, long-tail topic (see this HubCamp tutorial if you don't know what that means)
  • • Judicious use of other capsules, especially relevant video, useful tables, and helpful links that work well with the Hub (e.g. do not interrupt flow)

*A short, descriptive, to-the-point title that addresses a Personal Finance issue. Here are two examples: Lessons to Help Kids Save Money and Withdrawing 401k - know the facts.

TOPIC CALENDAR

Note that all Hubs published within the Personal Finance category qualify for the contest, but those published on a bonus topic during its calendar day get three extra entries in the Daily Drawing for $50
Week 1 - Getting Out of Debt
Monday, January 3rd: Understanding Finance
• Staff Pick winner: stephhicks68
• Daily Drawing Winner: Pamela99
Tuesday, January 4th: Credit Cards
• Staff Pick winner: Gordon Hamilton
• Daily Drawing Winner: Analana
Wednesday, January 5th: Student Loans
• Staff Pick winner: wildorangeflower
• Daily Drawing Winner: Michele Goudie
Thursday, January 6th: Car Loans
• Staff Pick winner: KeithTax
• Daily Drawing Winner: sid_candid
Friday, January 7th: Home Mortgages and Loans
• Staff Pick winner: akirchner
• Daily Drawing Winner: nicomp
Saturday, January 8th: Debt and Bankruptcy
• Staff Pick winner: KeithTax
• Daily Drawing Winner: Serj Sagan
Sunday, January 9th: Tax and Taxes
• Staff Pick winner: Om Paramapoonya
• Daily Drawing Winner: DNemesis
Week 2 - Creating a Financial Plan
Monday, January 10th: Financial Planning Basics
• Staff Pick winner: Gordon Hamilton
• Daily Drawing Winner: sid_candid
Tuesday, January 11th: Investing Basics
• Staff Pick winner: Analana
• Daily Drawing Winner: Pamela99
Wednesday, January 12th: Saving for a Wedding
• Staff Pick winner: Howard S.
• Daily Drawing Winner: SweetMarie83
Thursday, January 13th: Saving for a Car
• Staff Pick winner: akirchner
• Daily Drawing Winner: Johnny Parker
Friday, January 14th: Saving for Retirement
• Staff Pick winner: Song-Bird
• Daily Drawing Winner: wsupaul88
Saturday, January 15th: Saving for College
• Staff Pick winner: KeithTax
• Daily Drawing Winner: StitchesandScents
Sunday, January 16th: Saving for a House
• Staff Pick winner: akirchner
• Daily Drawing Winner: IzzyM
Week 3 - Sticking to Your Budget
Monday, January 17th: Budgeting for College Students
• Staff Pick winner: emdi
• Daily Drawing Winner: Kathryn Vercillo
Tuesday, January 18th: Budgeting for Families
• Staff Pick winner: JillKostow
• Daily Drawing Winner: toknowinfo
Wednesday, January 19th: Budget-Friendly Vacation Tips
• Staff Pick winner: Les Trois Chenes
• Daily Drawing Winner: Finance Writer
Thursday, January 20th: Budget-Friendly Shopping Guides
• Staff Pick winner: Judy HBergs
• Daily Drawing Winner: sid_candid
Friday, January 21st: Budget-Friendly Holiday Tips
• Staff Pick winner: Les Trois Chenes
• Daily Drawing Winner: bobmnu
Saturday, January 22nd: Cutting Costs
• Staff Pick winner: akirchner
• Daily Drawing Winner: chrispreynolds1
Sunday, January 23rd: Budget Planning
• Staff Pick winner: akirchner
• Daily Drawing Winner: MadeInCanada
Week 4 - Everyday Personal Finance Tips
Monday, January 24th: Frugal Living Advice and Tips
• Staff Pick winner: Analana
• Daily Drawing Winner: graceomalley
Tuesday, January 25th: Mail and Shipping
• Staff Pick winner: Jill Kostow
• Daily Drawing Winner: Analana
Wednesday, January 26th: Bartering and Negotiations
• Staff Pick winner: Johnny Parker
• Daily Drawing Winner: Sabah Karimi
Thursday, January 27th: Personal Finance Software
• Staff Pick winner: Analana
• Daily Drawing Winner: oceansnsunsets
Friday, January 28th: Insurance
• Staff Pick winner: shazwellyn
• Daily Drawing Winner: Abbasangel
Saturday, January 29th: Bargain Shopping
• Staff Pick winner: classicalgeek
• Daily Drawing Winner: classicalgeek
Sunday, January 30th: Income and Making Money
• Staff Pick winner: K9keystrokes
• Daily Drawing Winner: Howard S.

The Money Grows on Hubs Contest – Official Rules

No purchase or payment necessary to enter or win. A purchase will not improve your chances of winning.

Contest Description

Contest begins at 12:01 P.M. (PT) on January 3rd, 2011, and ends at 12:00 noon (PT) on January 31st, 2011 (the “Promotion Period). Cash prizes (the “Prizes”) will be awarded (the “Awarding”) to the eligible entrants with the winning entries in accordance with these Official Rules.

ELIGIBILITY:

THE CONTEST IS NOT OPEN TO RESIDENTS OF CUBA, IRAN, IRAQ, SYRIA, NORTH KOREA, MYANMAR (FORMERLY BURMA), SUDAN, PUERTO RICO OR THE PROVINCE OF QUEBEC. This contest is void in these countries and any other jurisdiction where prohibited and restricted by law. YOU MUST BE AT LEAST EIGHTEEN YEARS OLD AT THE TIME OF ENTRY TO PARTICIPATE. Entrants must participate by way of an Internet Service Provider or other method of Internet access and have a personal e-mail address. You must live in a country where you can receive contest earnings via PayPal, since this is our method of disbursement. Employees of YieldBuild Inc. and its respective affiliates, subsidiaries, advertising and promotional agencies, and the immediate family members and/or those living in the same household as such employees are not eligible to enter or win. All national, federal, state and local laws and regulations apply.

HOW TO ENTER:

To enter, visit http://hubpages.com/topics/personal-finance/3888 and follow the directions in the Money Grows on Hubs tab. All eligible Hubs, up to a maximum of five (5) per day, that are published for the first time between 12:00 noon (PT) on one day and 11:59 AM (PT) the subsequent day during the Promotion Period are considered for the Staff Pick, Daily Drawing, and weekly and final winners (the "Best Hub Winner", "People's Choice Winner" and "Grand Prize Winner"). Each eligible Hub is only eligible for the Staff Pick, Daily Drawing for the day on which the Hub is first published. Eligible entries can only eligible for the Daily Drawing, Best Hub Winner and People's Choice Winner once. To be eligible for a day's Staff Pick and Daily Drawing, a week's Best Hub and People's Choice prizes, and the Grand prize, the Hub must be categorized in the Personal Finance category (or one of its subcategories), must have a minimum of 300 words, and must be significantly unique from other Hubs and other Web pages. Eligibility for any prize requires the Hub to have been created and published in accordance with the HubPages Terms of Use and must otherwise comply with the terms of these Official Rules. In addition, all submissions categorized within the Daily Bonus Topic, which is specified on the contest page, within 24 hours of the topic’s posting, will win an additional three (3) entries (chances) in the day's Daily Drawing.

YieldBuild Inc. is not responsible for lost, late, misdirected, or incomplete entries, technical or software malfunctions, lost or unavailable network connections, or failed, incorrect, inaccurate, incomplete or delayed electronic communications. In the event of a dispute as to the identity of any winning entry, the entry will be deemed submitted by the record holder of the e-mail account from which the entry originated. Use of any automated or robotic devices to create Hubs is prohibited and such entries shall be void. Proof of submission does not constitute proof of receipt.

AWARDINGS/PRIZES AND ODDS:

The Awarding of the Daily Drawing and and Staff Pick winners will be conducted on or about 4pm (PT) at the end of each day's eligibility period from among all eligible entries received, beginning January 4th, 2011 (12pm on the Monday following weekend entries), and continuing every day until February 4th, 2011. Odds of winning any Daily Drawing or Staff Pick Awarding depend on the number of eligible entries for that Awarding. Each Daily Drawing and Staff Pick Winner will receive US$50, payable through PayPal. Staff Pick winners will also receive a copy of the New York Times best seller I Will Teach You To Be Rich by Ramit Sethi. One copy per winning entrant, no matter how many winnings an entrant has won.

The Awarding of the weekly Best Hub Winner and People's Choice Winner will be conducted on or about 4pm (PT) on the Wednesday after the week's contest period, or January 12th, 19th, 26th, and February 4th. Every week, the Best Hub Winner will be chosen by HubPages-appointed judges or HubPages. Every week, the People's Choice Winner will be chosen through a poll administered on the contest page, which will feature the seven (7) Staff Pick Hubs selected by HubPages, and which will run from approximately 4:00pm (PT) on Monday through 4:00pm (PT) on Wednesday for approximately 48 hours; the Hub receiving the highest number of eligible votes will be declared the Winner. Odds of winning any Best Hub Awarding or People's Choice Awarding depend on the number of eligible entries for that Awarding. Each Best Hub Winner and People's Choice Winner will receive US$100, payable through PayPal.

The Awarding of the Grand Prize will be conducted on or about 12pm (PT) on February 4th, 2011, from among the four Best Hub Winners. Odds of winning the Grand Prize Awarding depend on the number of eligible entries for that Awarding. The Grand Prize Winner will receive US$500, payable through PayPal.

Winner must have an active and functioning PayPal account in order to receive the prize, and will be responsible for any and all fees and taxes associated with the cash transfer. Winner will be notified by e-mail at the e-mail address associated with the HubPages account. Winner may be required to sign and return an Affidavit of Eligibility, Liability, and where legally permissible publicity release within seven days following attempted notification. Failure to comply within this time period may result in disqualification and selection of an alternate winner. Return of any prize/prize notification as undeliverable may result in disqualification and selection of an alternate winner.

PARTICIPATION/ACCEPTANCE OF RULES:

By participating, entrants agree to the Official Rules and Terms of Use and agree to accept and be bound by the decisions of YieldBuild Inc. which shall be final and binding.

GENERAL CONDITIONS:

YieldBuild Inc., in its sole discretion, reserves the right to disqualify any person who tampers or is suspected of tampering with the entry process or who is otherwise in violation of the Official Rules and void all associated entries. CAUTION; ANY ATTEMPT BY AN ENTRANT TO DELIBERATELY DAMAGE ANY WEBSITE OR UNDERMINE THE LEGITIMATE OPERATION OF THE CONTEST IS A VIOLATION OF CRIMINAL AND CIVIL LAWS AND SHOULD SUCH AN ATTEMPT BE MADE, YIELDBUILD INC RESERVES THE RIGHT TO SEEK DAMAGES AND OR OTHER RELIEF FROM ANY SUCH ENTRANT TO THE FULLEST EXTENT OF THE LAW.

If, for any reason, the contest is not capable of running as planned, including infection by a computer virus, bugs, tampering, unauthorized, intervention, fraud, technical failures, human intervention, technical, human or other error, or any causes beyond the control of YieldBuild Inc. which corrupt or affect the administration, security fairness, integrity, or proper conduct of this contest, YieldBuild Inc. reserves the right at its sole discretion to cancel, terminate, modify or suspend the contest. In the event of cancellation or termination, YieldBuild Inc. reserves the right to select the winner for the Awarding impacted from among all eligible entries received prior to termination or cancellation. In no event will YieldBuild Inc. be responsible or liable for more than the number of prizes stated herein.

All federal, state and local taxes associated with the acceptance of the prize, are solely the responsibility of the winner.

No substitution or transfer of prizes permitted. This contest will be governed by the laws of the State of California. Any and all legal actions or claims arising in connection with this giveaway must be brought in the State or Federal Courts in San Francisco, California.

By participating in the giveaway, each participant agrees to release and hold YieldBuild Inc. and its employees, officers, directors, shareholders, agents, representatives, its parent companies, affiliates, subsidiaries, advertising, promotion, and fulfillment agencies, and legal advisors, harmless from any and all losses, damages, rights, claims and actions of any kind in connection with the sweepstakes or resulting from acceptance, possession, or use of any prize.

WINNER:

The winners’ usernames will be posted on the HubPages.com website, on this page.
Sponsored by: YieldBuild Inc., 95 Minna St, San Francisco, CA 94105.

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