In researching “5 Ways to Pump Up Your Income,” a story that ran in the December 2009 issue of MONEY, my co-author Donna Rosato and I discovered a few helpful tips for people who want to make a business out of their hobby. Unfortunately, not all of these ideas made it into the published article. So here they are: To make the transition from hobbyist to small-business entrepreneur, be sure to take these key steps: More

• Laptop warranties pay for themselves — taking into consideration a 20% failure rate, a 10% accident rate and the near-certainty that the battery will die. [Gadgetwise]

• Many economists believe tax deductions for mortgage interest are a bad idea. Here's the history behind the deduction and why it does no one a favor. [NPR]

• This really cool time-lapse map shows a really uncool thing: How unemployment has infected America, on a county-by-county basis, since January 2007. [American Observer]

• Warren Buffett and George Soros are betting on retail giant Wal-Mart. But that doesn't signal the resurgence of the retail industry, nor does it mean that you should invest in retail yourself. [The Motley Fool]

• Coin collectors haven't, uh, changed their minds about the value of numismatics. Rare coins are more popular than ever. [WalletPop]

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Personal finance from around the Web to get your week started:

• The delinquency rate on bank-issued cards dropped 6 percent between June and September, according to credit-reporting agency TransUnion. The company cites the unemployment rate, limited credit, and higher interest rates as the main cause of cutting the delinquency rate. Still, it's too early to tell how new credit card regulations and holiday retail sales will affect credit behavior in the long run. [AP via GoogleNews]

• Christmas came early this year! Because of falling produce prices, the American Farm Bureau estimates that this year's Thanksgiving dinner should be 4 percent cheaper than last year's. The average cost of stuffing 10 people with a Thanksgiving dinner shakes out to a grand total of $42.91. [It's Your Money]

• Kaiser Health News, a nonprofit health-policy news service funded by the Kaiser Family Foundation, Kaiser Permanente, one of the largest managed care systems in the nation, has released a consumer guide to the health care overhaul. The report answers most, if not all, of your basic questions about insurance and presents possible changes in an easily comprehensible manner.  [Kaiser Health News]

• After last month's embarrassing data loss, T-Mobile is jumpstarting a slick Sidekick offer with cheaper phones and a longer contract. But is it worth it? Reports in the UK suggest T-Mobile staff selling off customer information to the highest bidder. [Wallet Pop]

• Thanks to the expiring tax credit, home sales competely exceeded last month's expectations as first-time buyers pushed seasonally-adjusted resales up 10.1%, according to the National Association of Realtors. Set to run out at the end of this month, Congress renewed it earlier and expanded the policy. Not everyone, however, is impressed with the numbers coming out of the NAR.  [NPR via AP, The Big Picture]

• "Twilight's" vampiric sequel "New Moon" experienced a blowout monster weekend sucking in a total of $258.8 million in box offices worldwide. Regardless of age, women came out to cheer for their supernatural team of choice, putting "New Moon" third on the all-time domestic chart.  Apparently, women do like older men — well, as long as they're 118 years old and have sharp teeth. [EconomPic]

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Now that the home buyer's tax credits are back up and running through May, the next bit of housing-related economic stimulus is focused on homeowners who are willing to spend money to make their homes more energy efficient. More

Personal finance from around the Web on Friday:

• Fixed-income king Bill Gross doesn't like earning 0.01% on his cash. But he does like utilities. [PIMCO]

• You may end up owing taxes next April because a little tax credit ended up being too big. One more reason to check your withholding. [Bucks]

• A convicted Long Island mortgage fraudster will be serving a month in jail for trying to rip off a 93-year-old retired barber.  Then she'll spend probation on the lecture circuit. [(New York) Daily News]

• A $350-a-night  luxury resort in Malaysia will give you a free night if you encounter more than one inch of rain in any 7 a.m to 7 p.m. period. Willing to hope for rain in exchange for free digs? [Savvy Sugar]

• Kellogg has warned of a waffle shortage through mid-2010. So naturally, someone on eBay is trying to sell a box of Eggos for $65. [The Washington Post]

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The 401(k) is enjoying a wee bit of a corporate comeback.

Fidelity Investments, which says it's the leading provider of workplace retirement savings plans in the US, disclosed Thursday morning that some of the companies which reduced their financial contributions to 401(k) plans during the financial meltdown have started ponying up money again, or at least plan to. More

• Imagine the perfect gift card: Able to be used anywhere, anytime, without any restrictions. Uh, guess what? It's called cash. [The Wall Street Journal]

• Beware of boilerplate requirements in mortgage commitments. Sometimes you can wriggle out of them. [Tales from the Real Estate Wars]

• Has a friend or relative asked you to co-sign for a credit card or other loan? Here are four excellent questions to ask before you go through with it. [CreditCards.com]

• Maintaining your credit is like keeping yourself fit. Now is not the time to stop exercising what you have. [The Huffington Post]

• Worried about running out of cash during your retirement years? Here's some good advice on how to get the most from your Social Security benefits. [RetirementRevised]

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In the year-ahead outlook for savings and credit that I wrote for MONEY's December issue, I reported that things weren't exactly going to be rosy next year. But I did point out one potential bright spot.

"Customers who have been on the receiving end of 'gotcha' practices that will earn banks $38.5 billion in overdraft fees this year may also get some relief," I wrote. "Many Capitol Hill watchers believe legislation reforming overdraft policies has a good chance of passage in 2010."

As I reported my story, I talked to several sources who felt that credit card legislation, which passed in May, gives overdraft reform some good momentum. Then, last week, the Fed announced new rules that would also limit overdraft fees charged by banks and credit unions. (See fellow MONEY blogger Beth Braverman's take on five ways you can protect yourself now.)

The Fed rules, which require that banks allow consumers to opt-in to overdraft protection on ATM and debit card transactions, are a step in the right direction. But as consumer advocate Ed Mierzwinski told The New York Times, "Some-of-the-time protection is never as good as round-the-clock protection." More

• New York may follow the practice of at least 20 other states and start publishing the names of its biggest tax delinquents online. [Economix]

• Yes, the price of gold has zoomed upward in 2009. But palladium's performance leaves gold in the dust. [The Big Picture]

• While Americans are generally supportive of a government-run "public option" insurance plan as part of a health care overhaul, their enthusiasm depends on how it's described to them. Republican and Democratic leaders appear to have figured this out already. [The Associated Press]

• President Obama is creating a task force, led by the Justice Department, to investigate and prosecute past financial crimes and to deter future fraud. [Reuters]

• A registered nurse who lost health coverage for herself and her family speculates that Thomas Jefferson would have regarded access to health care as "a self-evident right of individuals." [The (Panama City) News Herald]

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Personal finance from around the Web Tuesday:

• The Federal Reserve is proposing new rules to protect gift card consumers from exorbitant fees and and expiration dates.  While the exact date these new rules will go into effect remains unknown, it most likely won't be until next summer — after the upcoming gift-card season. [Federal Reserve, Bucks]

• Online microlending has been all the rave in recent years. One of the most popular is Kiva, which allows you to make loans to low-income entrepreneurs in developing countries. But it is no longer practical for it to be true "person-to-person lending." [My Money Blog]

• With the passing of the health care reform bill comes the passing of a 5.4 % surtax aimed at high-income tax returns. The Tax Foundation has created a map that shows the top tax rates in different states under the new plan. [Tax Policy Blog]

• The number of people taking the standardized Law School Admission Test has skyrocketed. In late September, 60,000  people took the test — a worrisome number, since law jobs are shrinking. [Most Strongly Supported]

• Wondering what has happened to the transportation stimulus package? The California Transportation Department reports it has been allocated $2 billion into federal highway funds. But only 2.5 % of that money has been spent yet.  California is not alone, but sometimes slow and steady wins the race. [Freakonomics]

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Personal finance from around the Web to get your week started:

• UnitedHealth Group, the nation's largest health insurance carrier, sent an email to 75,000 employees urging them to protest against government-run health care. The incident is one of many campaigns led by major insurers to recruit company employees as political advocates in the debate over health reform.  [Washington Post]

• A new debit card identity theft scheme is popping up in California, Missouri, Wisconsin, and other states. The thefts are largely tied to Hancock Fabric stores, in which debit card information and pin numbers are stolen and money is withdrawn from the account. Authorities estimate around a $40,000 loss for banks. [The Consumerist]

• Reports from the Commerce Department confirm that retail sales rose 1.4 percent in October because of rebounding auto sales. While sales look favorable for the upcoming holiday season and Black Friday discounts, economists are concerned that the boost is a sign of "double dip" recession. [NPR]

• Digitizing money is an increasingly tangible concept. Programs like ShopSavvy allow shoppers to buy an item on their phone just by taking a picture. PayPal and eBay have taken huge steps in phone sales — users can pay medical bills or pick up coffee with a click of a button. In Japan, wireless carriers are offering a cellphone banking system over a secure network. [The New York Times, BusinessWeek]

• Did your landlord install individual electric meters in your complex? It turns out that individual meters are not only legal, but also encouraged by municipal organizations because it allows the landlord to seek permission to exclude electricity and reduce rent accordingly. [Bucks]

• Most of the Federal Reserve's efforts to relieve the economy have helped Wall Street, but they haven't helped improve the unemployment rate, which now stands at 1t for the 10.2% unemployment rate. Despite the 62% boost in stocks, officials are still wary of the stagnant job growth needed to revive the economy. [Bloomberg]

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A looming shift in Federal Reserve policy could send the 30-year fixed mortgage to 6% or higher, up from Monday’s rock-bottom rate of 5.02%. For all the hullaballoo about the stimulative impact of last week’s decision to extend the $8,000 First-Time Home Buyer Tax Credit and create a $6,500 credit for current homeowners, a sharp rise in the bellwether mortgage rate could muck up a housing recovery. More

Have some pity on Ruth Madoff. Really. I'm serious.

Her fate and her wealth are on my mind because of the auction, scheduled for today, at which the U.S. Marshals Service is slated to sell off hundreds of thousands of dollars' worth of property seized from her and her husband, the infamous Bernie. The marshals intend to use that money to help reimburse the victims of Bernie's multi-billion-dollar Ponzi scheme.

Admittedly, looking over a list of Ruth's possessions on  the auction block, it is a little tough to feel sorry for her. More

Five personal finance highlights from around the Web:

• FICO, the company that provides the nation's leading credit score, reveals how many points a consumer's credit rating will drop as a result of specific events. LIz Pulliam Weston sheds light on the impact of maxing out a card or making a late payment. [MSN Money]

• Will the McMansion buyers of the future want to live without theater roooms and butler's pantries? Luxury home builders think so. [The Wall Street Journal]

• '"I want to be rich" is not real a goal. And good financial planning requires clear, measurable goals. [The Boston Globe]

• Buffett: Investment opportunity is greater in the United States than abroad. The Oracle thinks the worst of the financial panic is behind us. [Reuters]

• Temporary conforming loan limits won't expire this year. The Federal Housing Finance Authority will extend the limit of $417,000 (up to $729,750 in high-cost areas) through 2010. [Washington Business Journal]

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The Fed announced Thursday new rules that prohibit banks from automatically enrolling customers in overdraft protection programs that charge fees when customers spend on a debit card or withdraw from an ATM more money they have in their checking account. The move comes in response to consumer outrage at the fees, which can amount to more than $30 for an overdraft of a few bucks. The new rules, which cover only ATM and debit card (and not checking) overdraft protection plans, don't go into effect until July 2010, but here are five ways you can protect yourself now:

1. Keep a buffer in your checking account. Keep an extra cash cushion in your account at all times so you won't overdraw your account for an emergency expense or if you incorrectly calculate your balance.

2. Sign up for automatic low balance alerts. If you request it, most banks will alert you via either e-mail or text message, that your balance has fallen below a certain level. Once you get that alert hold off on additional purchases or withdrawals until you've got more money in your account.

3. Link to your checking account to a savings account. Once you've established a link, your bank will withdraw funds from the savings account to cover the overdraft. This service customarily costs $5 to $10 per transaction, so while it's not free, it certainly beats a $35 overdraft fee.

4. Consider cash. Check your balance before hitting up the ATM, and only withdrawal what's available. Yes, it may seem obvious, but it's still a surefire method of avoiding overdraft fees.

5. Opt out. While the new regulations will require consumers to opt in, most banks will let you opt out now. You just have to call and ask. But remember, once you've opted out of overdraft protection, your card will be rejected if you try to spend more than you have.

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