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Welcome to the Carnival of Money Pros!

Since this blog is mostly geared towards life insurance, it’s nice to offer a good mix of personal finance articles for a change.

There’s some good finds in here, so be sure to check them out. And if you do like them, be sure to share them some social love.

On to the carnival….

Jacob @ My Personal Finance Journey @ writes Make Public Transportation Work for You (and Save Money) – This post illustrates a few tips to get over your hesitation to use public transportation and explains how to make public transportation work for your schedule and your wallet.

Jacob @ My Personal Finance Journey @ My Personal Finance Journey writes Make Public Transportation Work for You (and Save Money) – This post illustrates a few tips to get over your hesitation to use public transportation and explains how to make public transportation work for your schedule and your wallet.

Grayson @ Debt Roundup writes 3 Online Shopping Tips To Get Better Deals – As the holiday season approaches, here are 3 easy tips to save more while shopping online.

Kurt Fischer @ Money Counselor writes 2012 Roth IRA Conversion? – The punditry seems unanimous: Taxes are going up. And that, they argue, means converting to a Roth IRA in 2012 makes sense. But are taxes the only factor?

Rohit @ The Money Mail writes Simple Budget Template – Making a budget can be a lengthy and boring process. Use this new simple budget template that is easy to modify. Just plug in the numbers and you have a simple budget ready for your use.

James Petzke @ This Is Common Cents writes The Only Real Get Rich Scheme – If you follow a simple two step plan, you’ll find that you will build wealth no matter what.

Mike @ Experiglot writes The Formula For Saving Money in Your 20s

Mike @ The Financial Blogger writes The Power of Becoming Aggressive and No Longer Waiting Around – Why you need to become more bold to reach your goals.

Green Panda @ Green Panda Treehouse writes How-to Avoid Student Loans Altogether! – How to avoid those student loans.

Pete @ Intelligent Speculator writes Should Your Employer Or The Government Force You To Save?

Pauline @ Reach Financial Independence writes Being outside of average – This is a guest post from the Outlier Model about their dreams of early financial freedom and sacrifices to get there

Andrew @ 101 Centavos writes Be A Modern Magician – To be a modern magician, there are no requirements for pointy hats or chanting incantations of arcane magical lore. Just spend some time on Investopedia, pore through a couple of investing tomes (preferably Benjamin Graham’s Intelligent Investor), and prepare to let concepts such as debt-to-equity ratios, free cash flow, and EBITDA seep into your noggin.

Martin @ Studenomics writes You Think You Can’t Make Money Online? Read This – A case study with an online entrepreneur that happens to be making a killin a online.

BARBARA FRIEDBERG @ Barbara Friedberg Personal Finance writes 7 HOLIDAY SHOPPING TIPS – Shopping tips to have a great holiday. How to enjoy the season and avoid debt.

Ted Jenkin @ Your Smart Money Moves writes Should You Pay Off Your Mortgage? – One of the more difficult questions that I get from both younger and older people alike is whether or not it is a good idea to pay off their mortgage.

Don @ MoneySmartGuides writes Ways to Get a Personal Loan – I recently posted an article about things you should know before borrowing money.

Amanda L Grossman @ Frugal Confessions writes Hidden Fees Make Rental Car Quotes Bogus – I have rented a car three times in my life. The first was on a memorable first business trip to Fargo when I was 23 (a difficult feat, as rental companies get

Tushar @ Start Investing Money writes What Are the Top 5 Commodities Exchanges? – Just as stocks and shares are traded on the stock exchange, so commodities are traded on a commodities exchange. Commodities may be viewed as tangible items, mainly those that are derived from agriculture.

Ashley @ Money Talks Coaching writes Job Transition – My family is going through a small job transition right now. If there is such a thing. My husband’s company got bought out by another company.

Crystal @ Budgeting in the Fun Stuff writes Unprepared – I like to think of myself as being financially knowledgeable. But we are unprepared.

Maria @ The Money Principle writes Top Errors People Make When Looking For Car Insurance – Loyalty is a great thing but not when looking for car insurance. Be informed, ready to switch and truthful to come top trumps in car insurance.

A Blinkin @ Funancials writes How Are You Affected by the Mortgage Interest Tax Deduction? – Interest deductions, in general, began in 1913. At this time, the majority of Americans paid upfront for their homes rather than financing so the deduction wasn’t highly utilized. The deduction, which included interest paid on personal loans and credit cards, was later revised in 1986 to exclude these items.

krantcents @ KrantCents writes How to Shop for the Holidays – Have you started to shop for the holidays? Here we are again, the holidays are here and the day after Thanksgiving is the official opening of the season. A couple retail stores are talking about starting on Thanksgiving. This confirms we are a consumer oriented country! I know some of you have started already.

Peter @ Bible Money Matters writes Bible Verses about How to Get Rich Quick – The Bible doesn’t have a lot of verses (that I’m aware of) that talk about how to get rich quick, but it isn’t silent on the topic of getting rich quick. In fact, it talks quite a bit about it. Today I thought I’d explore what the bible says about getting rich quick.

Evan @ My Journey to Millions writes Taxes on Dividend Income Could Rise as High as 43.4% After the Fiscal Cliff! – The media has been inundated with the Fiscal Cliff recently, however, I am shocked how little attention the increase in taxes owed on qualified dividends has received. As it stands today, dividend income could rise from 15% to as high as 43.4%!

Invest It Wisely @ Invest It Wisely writes Weekend Reading, November 2012 Edition – Weekend reading edition, I hope you enjoy!

Beating Broke @ Beating Broke writes A Review of Dave Ramsey’s Revised Financial Peace University & New Speakers – While this latest version of Financial Peace University has all of the benefits of the old version, some of the material has been changed, and there are new speakers added to the mix.

Corey @ 20s Finances writes The Potential of Green Technology – The future of green technology seems to be in sustainable energy systems that is privately owned and operated. Learn more about my creative idea.

Jason @ Live Real Now writes Getting Out of Debt: The Prime Rule – Getting out of debt is a simple process, but that doesn’t make it easy. It only has two real steps: stop using debt, and keep making the payments.

Corey @ Steadfast Finances writes Best Holiday Gift Ideas – Find out why giving experiences as gifts is the better alternative to buying lots of stuff this holiday season.

harry campbell @ Your Personal Finance Pro writes A Review of My Experience With Car2go San Diego: A Car Sharing Service – Although Car2go hasn’t reached every major city yet, there is probably some type of car sharing service available in your local metropolitan. Whether it’s Zipcar or some other service, the idea of car sharing has really taken off over the past couple years. I’m pretty intrigued by the whole idea because less cars on the road is better for the environment and traffic congestion. This is pretty important for a city like San Diego with millions of people and no viable public transportation

Robert @ My Multiple Income writes 6 Steps to Starting a Business – The different steps to start a business.

SavingMentor @ How To Save Money writes Free Money: $100 Gift Card And Up To 5% Cash Back On Gas & Groceries – It’s time for another one of those posts where I talk about some company giving away practically free money for doing something that requires very little effort.

CAPI @ Creating a Passive Income writes Passive Income: Cashing in on Publishing Royalties – Find out how to generate passive income buy publishing writing.

Mandy @ http://moneymastermom.com writes Net Worth is not your Self Worth – The size of your financial accounts may determine your net worth, but it’s your legacy that will determine your REAL worth

Matt @ Living in Financial Excellence writes Refusing to Conform: Why I Am Not Shopping on Black Friday – All across America, there are two groups of people gearing up for Black Friday. Those who can’t wait to check out the deals, and those who want nothing to do with it and are planning to stay home.

Lazy Man @ Lazy Man and Money writes Asea Scam? – Some of people who analyzed MonaVie and determined it’s expensive fruit juice did some research and found out that ASEA was expensive salt water. I knew that I had to write about ASEA.

PPlan @ Provident Plan writes Preparing for an Emergency – As many of you know, Hurricane Sandy hit the north east a few weeks ago.

Deacon @ Well Kept Wallet writes Get Cash Back Using a Debit Card – Most people don’t realize that they can get cash back by using a debit card. Every day people make purchases with their debit card and never get anything in return. That is about to change. There is a bank called Perkstreet where you can get up to 2% cash back on your purchases. Kim and I have been using it for about two months and love it.

TTMK @ Tie the Money Knot writes The Long-Term Value of Saving Money by Living With Parents – Living with parents sure might not seem like fun for a 20-something person who wants to enjoy his or her full independence. But the long-term rewards just might be more than meets the eye!

Ray @ Squirrelers writes Has Fast Food Become Socially Unacceptable? – In your career, perceptions matter whether we like it or not. Would some people actually hold it against you, in some way, if they know you regularly ate fast food over lunch?

Rich @ Growing Money Smart writes Afraid of Success – Every think about why you are not rich, or why you’re not trying to make more money? Perhaps you are afraid of success? Read how to overcome this fear.

Ryan @ Early Retirement Investments writes 3 Ways to Enjoy Your Retirement Online – Here are three ways to enjoy your retirement online.

Kanwal @ Simply Investing writes Do You Think Investing is Easy? – You don’t earn more if you have the higher IQ, nor do you need to be a math genius to make money.

Jen @ Master the Art of Saving writes Things I Didn’t Expect About Buying Our First House – I didn’t really know anything at all about buying a house when we jumped into it. Sure I had a general idea about how things would go, but that’s pretty much…

Eddie @ Finance Fox writes What was Your First Job? What Did You Take Away From It? – What was your first job? What did you learn from your first job? Here’s my story on my fist job and hopefully you can share a story on your first job.

Suba @ Broke Professionals writes In Today’s Workplace, Is There A New Normal? – I’ve never had an average workday, but now that I freelance, I don’t have a traditional workplace either. I’m not the only one. Is this the new normal?

Bryan @ Gajizmo.com writes Types of Insurance For Homeowners – Consumers are well-aware of auto, health, life, and home insurance, but what about the other, less common types of insurance most Americans use at some point? We cover the importance of title, mortgage, liability, umbrella, earthquake, and flood insurance.

Michelle @ The Shop My Closet Project writes Whole Paycheck-Buying groceries without breaking the bank – In this fast paced life we live, it is easy to throw a meal in the microwave take it out and that’s it. Quick, fast, and easy. For me this isn’t an option. Why? Because I live to eat. I don’t eat to live. But I don’t want to go broke going to the grocery store.

Roger the Amateur Financier @ The Amateur Financier writes Eight Ways to Save During the Holidays – Eight suggestions for how you can keep your costs to a minimum during the holidays, while still have a great time and giving out plenty of presents.

Miss T. @ Prairie Eco Thrifter writes Adult Children Living at Home – How to Approach It – With the economy showing no signs of a quick recovery, chances are that even more parents will have their adult children living at home with them again. But with open and honest discussions about expectations and goals prior to move-in, it is possible for these “boomerang kids” to make a successful transition back under their parents’ roof and then back out into the real world.

MR @ Money Reasons writes An iPad Mini For Christmas – Why and iPad mini for Christmas? This article is why I’m buying my daughter an iPad mini for Christmas but not one for myself.

Sustainable PF @ Sustainable Personal Finance writes Australia’s Most Sustainable Cities – Although visitors are drawn to Australia for its natural beauty and stunning array of wildlife, the majority of its residents live in urban areas. Nearly 90% of its residents live in cities, mainly along the coastlines of this massive country.

Emily @ One Smart Dollar writes Not All Bills Help Rebuild Credit – Being late on any bill can help to hurt your credit, but did you know that not all of them can also help to build credit?

DPF @ Digital Personal Finance writes Saving Money by Comparing Gas Prices Online or With Apps – Saving money is a good thing, especially when it requires little effort. While this isn’t always the case, sometimes it’s possible to quickly search for lower gas prices and get savings that can add up!

Jester @ The Ultimate Juggle writes Secrets To Santa’s Success – In my recent interview with Santa, he revealed to me the elements that makes him a huge success.

Daisy @ Add Vodka writes Just Add Beer – Many Uses For Beer (Other Than Drinking) – Read about the other fascinating uses for beer other than just consumption.

Megan Russell @ Kittenomics writes Financially Savvy Kittens on Gifts to Charity – This kitten gifts appreciated stock. Be more like this kitten.

Everything Finance @ Everything Finance Blog writes Holiday Side Hustles – Today, I’m going to focus on some ways to score some extra money to use on all those presents you still need to buy for everyone on your list.

Penny Thots @ Penny Thots writes Saving When Money Is Beyond Tight – If you use these methods, even when money seems beyond tight, you will be surprised at how much and how fast these funds will build. In some cases it may be quite a substantial savings.

TDB @ Tax Deduction Blog writes How to Get the Most Out of Your Flexible Spending Account – Check out this article for tips and tricks on how to get the most bang for your buck with your flexible spending account before it’s too late.

IMB @ Investing Money writes Keeping Management Fees Low – Find out what fees you can expect and how to keep management fees to a minimum.

Daniel @ Sweating the Big Stuff writes 5 Things We Need To Buy, But Hate To Spend Money On – There are things that just about everyone spends money on, whether we like to or not. Here are the 5 worst offenders in my book.

Little House @ Little House in the Valley writes Who Said Paying Bills Isn’t Fun? – Ever since I’ve gotten myself in the habit of tracking our income, expenses, and recording every penny, paying bills has actually become…dare I say….. fun.

Teacher Man @ My University Money writes Get Your Parents To Buy You a House! – To most parents, buying a house for their 18-20 year old son or daughter to manage as a rental property as they go through school seems like a …

Joe @ Midlife Finance writes Are You Making Financial Headway? – It’s not a bad idea to take stock of your financial decisions this year — even if most of them were unplanned.

Steve @ Ready To Quit My Job! writes Why You NEED to Quit Your Job RIGHT NOW! – The days are gone forever where you went to college, got a job that was not personally rewarding, worked at the same place for 40 years, retired and then got bored, depressed and finally died.

Young @ Young And Thrifty writes How The Canadian Banks’ Spending Spree Affects You – The recent headlines that smack of patriotic pride concerning Canadian banks buying up distressed financial assets in the USA over the past few months have been interesting to say the least. I don’t know a heck of a lot about corporate finances at the highest levels, or even what metrics these guys are using in order to gauge if these acquisitions make sense or not. Anecdotally though, as a Canadian citizen, I think I should be interested, and possibly even concerned about these goings on, e

Jason @ Work Save Live writes Secured and Bad Credit Cards – Whether you are looking to build credit for the first time, or you have bad or fair credit, it is difficult to find a company that will agree to loan you money. Fortunately, there are specific bad credit credit cards that have been created to help in these situations.

SBB @ Simple Budget Blog writes Stop Living Paycheck to Paycheck – Are you having difficulty saving extra money? Are you sick of living paycheck to paycheck? Find out how to improve your life with a budget.

SFB @ Simple Finance Blog writes The 4 Most Popular Ways To Save For Your Child’s College Education – This article will discuss four ways to invest and save for your children’s college education. These strategies include 401k, ROTH IRA, 529 plans, & ESA.

Investor Junkie @ Investor Junkie writes What You Can Learn about Investing By Reading Schwarzenegger’s Biography – I’ve followed Arnold over the years, so I already knew a lot about the bodybuilder/actor/governor. After reading his bio, it gave me some additional insights to what makes the man tick, and what could I learn from him.

David Carlson @ Young Adult Money writes 10 Things I Learned from Working at Pizza Hut – Working as a cook in the food services industry isn’t easy work and the pay isn’t great. Nevertheless I learned quite a bit while working for a year as a Pizza Hut cook.

Luke @ Learn Bonds writes Investing in International Bonds – I would like to mention a few ETFs worth exploring if you plan to venture into the world of investing in international bonds.

CF @ The Outlier Model writes Keep your passwords safe – Just like you protect your physical belongings, keeping your online identity and assest safe is not something to overlook. Here are some helpful tips on keeping your passwords (and your identity) safe!

Hank @ Money Q&A writes Should You Work For Yourself? Things You Should Consider – Should you work for yourself? There are many things that you must consider before you make that leap. There are questions that you need to ask yourself before you go.

Jennifer Lynn @ Broke-Ass Mommy writes Festively A Minimalist – Being a minimalist is great! Read why

Mike @ Personal Finance Journey writes Four great ideas to use a Big Screen for an Autumn Festival or Company Function – Four great ideas to take advantage of Autumn weather, keep the kids entertained or plan your Company Function in a fun unique way.

Kyle @ The Penny Hoarder writes Know Your Options in a Financial Emergency – You’re going to need some money, and sometimes that need can come up at the worst possible time. All across North America and Canada families find themselves short of cash with days or even weeks to go before the next paycheck comes in.

Jon the Saver @ Free Money Wisdom writes How To Pay Your Credit Card Off Faster – Paying off a credit card is not fun. In fact, it can be quite painful! Don’t let it hinder your future, take these steps to conquer your debts!

Jeff Rose @ Good Financial Cents writes Retirement Contribution Savings Credit – The retirement savings contribution credit often referred to as “The Saver’s Credit” can be a great way for middle and low income people to save a lot of money on their taxes.

J.P. @ Novel Investor writes Year End Tax Tips For 2012 – The end of the year is a great time to start your tax planning. Get a head start on your tax savings with these year end tax tips.

Matt @ Dividend Monk writes Financial Freedom: The Accelerated Version – A comprehensive article on how to become financially independent way ahead of the curve.

Arnel Ariate @ Money Soldiers writes Domain Flipping – Flip it Like You Mean It – In this article, I gave examples of domain flipping success stories and also gave my opinion on whether domain flipping is a viable business or not.

Tara @ Student Finance Australia writes Five Easy Financial Tips for Australian Students – A student’s life can be deadly in two senses: a) you enjoy it fully to experience the real charm of this phase; b) you are short of money and unfortunately under the burden of debt. While the first ‘deadly’ provokes the feelings of adventure, thrill, and entertainment, the second can be a real stress. All students want to make sure that they are never short of money.

Glen Craig @ Free From Broke writes The Fiscal Cliff Doesn’t Just Affect the Rich – People think the fiscal cliff is about the wealthy and their taxes. Truth is the fiscal cliff affects those who aren’t wealthy, especially the poor.

Michelle @ See Debt Run writes Home Depot Extended Warranty Trouble — A Company Steps Up – When we purchased the extended warranty with a home depot fridge, we expected it to cover repairs. When our claim was denied, we escalalated to HD corporate.

John S @ Frugal Rules writes 5 Frugal Ways to Start Investing Now – Investing in the stock market can be intimidating for many, but it does not have to be. With a little education and setting a plan you can invest in the stock market and not have to spend lots of money doing it.

Robert @ The College Investor writes When Dividends Matter, and When They Don’t – When should a dividend be a deciding factor in an investment?

Ken Faulkenberry @ Arbor Investment Planner writes Sustainable Competitive Advantages: Definition, Types, & Examples – Finding companies with multiple sustainable competitive advantages will greatly improve the probability you have found a real value stock. Types and examples included.

Robert @ My Multiple Income writes How To Get Rid of Your Debt Quickly – Different ways to get rid of your debts quickly.

Robert @ Entrepreneurship Life writes Backing Up Your Business Files – Keeping your business files safe and backed up is important. If your computer was stolen or crashed tomorrow, would you have everything you need?

Philip @ PT Money Personal Finance writes Short on Funds? Volunteer Your Time with Habitat for Humanity – Not only is Habitat for Humanity a great organization in which to volunteer your time, the partnerships they make with the homeowners result in a quality organization in which to support.

Derek Knight @ Freeat33 writes Why Do We Fight About Money? – Husband and Wife Financial Bloggers Fighting about Money? What Chance Does Anyone Else Stand?

Emily @ Evolving Personal Finance writes All I Want for Christmas Is a Giving Revolution – I don’t want any presents for Christmas – I’d rather my friends and family speak my love language to me, and I theirs.