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Life Insurance by Jeff is hosting the Carnival of Personal Finance!

life insurance to protect your familyAs usual we have a great lineup of personal finance articles from across the web.

In welcoming Budgets are Sexy’s J$’s newest addition to the world (yes, I believe those are little one’s feet in the pic), I thought it would be only fitting to have this carnival be themed after “protecting your family”.

Uhhh….that and this blog is catered around life insurance. 🙂

It’s important to recognize the important people in our lives, our family, and make sure they are protected.

Life insurance is one of the easiest and cheapest ways to do just that.

So remember: Protect your family!

Okay, without further ado, here’s the Carnival of Personal Finance.

Editor’s Pick

Amanda from My Dollar Plan presents The Aftermath of Debt Payoff, and says, “So many of us are focused on paying off debt that we don’t know what to do once we achieve our goal – here’s a great reflection on the topic!”

Miss T. from Prairie Eco Thrifter presents A Sweeter Way to Cook Your Budget, and says, “Are you following a budget process advocated by many personal finance experts? This is what I like to call the Toll House budget. It’s a list of steps that brings about a generic budget completely void of any hopes, dreams and personal aspirations. It’ll balance your income and expenses like a check book, but that is all. You can’t get what you want out of your personal finances on the Toll House budget.”

Adam Hagerman from Walking To Wealth presents Christmas (Savings) In July, and says, “Are you always paying for Christmas with credit cards? Do you get stuck with the bills in January and have trouble paying for them? Start saving for now and have yourself a cash(y) little Christmas!”

And last but not least, J$ had an awesome guest post (I might be a bit bias here) titled 4 Ways to Keep Your Financial Household Sexy.  If you want good practical money advice and a good laugh, check it out!

The Best of the Rest

J.P. from Novel Investor presents All The IRA Investment Options For Your Money, and says, “Did you know that your IRA investment options extend beyond stocks, bonds, and mutual funds? You have more choices than think.”

CF from The Outlier Model presents Social isolation, and says, “Is the high cost of housing linked to social isolation? One local newspaper seems to think so – I beg to differ!”

Karl Marrion from WiseStockBuyer presents Saving for Retirement: 401ks, IRAs, and the Roth IRA Explained, and says, “It’s never too early to start saving and investing for retirement, so why not start now?”

D4L from Dividend Growth Stocks presents What To Do When A Stock Fails To Raise Its Dividend, and says, “I hate to sell a dividend growth stock. When I buy a stock, my intention is to hold it forever and enjoy its ever-growing dividend income. Unfortunately, it doesn’t always work that way. Sometimes a things change and the stock no longer fits my criteria for inclusion in my income portfolio. It could be a company that cuts its dividend or in some cases…”

Money Walks from Money Walks presents Is College Worth the Cost?

Neal Frankle from Wealth Pilgrim presents What is Average Tax Rate? What is Effective Tax Rate? Do Either Matter?, and says, “What is average tax rate? What is effective tax rate? Which matters most when it comes to making investments?”

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Jake Thompson from Moola Mind presents Why Everyone Should Have a Credit Card, and says, “There are a lot of reasons why you shouldn’t have a credit card, but in my opinion, there are a lot of reasons you should. If you pay for it, you may as well get the best bang for your buck. Here’s how to take advantage of credit cards.”

Victoria Lindsay from Lend Not Borrow presents Unemployment; What to do When You Don’t Know What to Do!, and says, “10 easy tips on how to handle a job loss or the threat of a job loss.”

Nicole from Nicole and Maggie: Grumpy Rumblings of the Half Tenured presents Should parents pay for their childrens’ college?: A deliberately controversial post, and says, “What is the purpose of college? Should parents pay for their childrens’ education and under what circumstances?”

Dan Meyers from Your Life Their Life presents Should you purchase rental car insurance? + 6 steps to ensure you’re covered, and says, “Nothing angers me more than a car rental agent pressuring me to purchase the extra coverage. It turns out you might actually need some, but there are better places to get it.”

Ray from Squirrelers presents Dental Costs and the Importance of Insurance, and says, “We all know that insurance is important, yet many people ignore dental insurance. This post discusses its importance.”

Lisa Kling from Thriftability presents The Side Hustle: Second Jobs To Make Ends Meet Or Save Money

Money Beagle from Money Beagle presents Have We Learned From Our Past Successes?, and says, “Maybe politicians should look to our successful times of the past to gain some insight on how to improve the economy of our country.”

Teacher Man from My University Money presents Dollar Cost Averaging Strategy, and says, “There is this cool thing that happens when you ignore all the stock picking stuff that people talk about, stop paying attention to the “experts” on TV and simply invest your money in a dispassionate and consistent manner. The aforementioned “cool thing” is that you end up with a lot more money.”

Joint Life Insurance Policy

Teacher Man from Young and Thrifty presents Misinformation on Mutual Funds, and says, “I’m a huge fan of the Globe and Mail. I read it every day, and the finance section is usually full of good stuff including my boy Rob Carrick who has become a sort of Canadian guru in own right. We have even been featured in the online version of the publication on several occasions, so it is with extremely light feet that I tread on this topic of criticizing one of their columns.”

Nick D. from Becoming Your Own Bank presents Dividend Paying Whole Life Insurance

Liana from Card Hub presents CFPB Reveals Credit Card Companies with Most Consumer Complaints, and says, “Now if credit card companies don’t play nice, the whole world will know about it. The CFPB just added more transparency to the whole industry.

Darwin from Darwin’s Money presents Real Unemployment Rate Explained, and says, “The real unemployment rate is NOT 8.2%. Learn about the government-contrived figures and what the real rate is, as well as some shocking charts.”

Dan from ETFBase presents Can Dividend Dogs Beat the Street?, and says, “This newly crafted ETF called Dividend Dogs seeks to beat the market and the back-tested data shows it would. Here’s a look under the hood.”

Big Cajun Man from THE Canadian Personal Finance Site presents I am Not Satisfied Either (RIM), and says, “Is Research in Motion slowly spinning down the drain?”

John from Wallet Blog presents It’s Time to Bring Shadow Banking into the Light, and says, “What lurks in financial shadows? A powerful banking system banking system that is the collection of financial institutions and investment vehicles not subject to the same laws and regulations as traditional banks and bank accounts. ”

Jeff Rose (that’s me!  🙂 ) from Good Financial Cents presents 7 Alternatives to Investing in the Stock Market, and says, “As a financial planner I work with a lot of clients and most of our investments are related to the stock market.

Charles from Wallet Hub presents Leave Your Wallet At Home? PayPal Has A Digital Answer…, and says, “Spending, it just keeps getting easier and easier. Now all you need is a PayPal account, your cell phone number, and PIN and you don’t need to worry about leaving your wallet behind when you go to some retailers…

Paula Wethington from Monroe on a Budget presents Drop a college class after withdraw date? No refunds and sometimes a wrecked GPA, and says, “What happens if you drop a college class after the semester begins? You’re not going to like the impact on your finances.”

FMF from Free Money Finance presents The Boy Scouts Know Personal Finance, and says, “A month or so ago I was traveling on business with a friend who has been a Boy Scouts scoutmaster for 20 years or so. I asked him if the Scouts had anything that taught personal finance issues and he said they did — that it was the “Personal Management” merit badge.
This page gives the details of what’s involved in the Personal Management Merit Badge. It requires the following. ”

Mr. Money from Smart on Money presents Avoiding Debt? You Still Need Good Credit., and says, “You probably know that if you plan to borrow money, you’ll only get the best terms if you have good credit. If you want to save money on interest, and enjoy the best possible terms, you need to show the lender that you are responsible, and that there is a good chance that you will repay your debts. But what if you have been avoiding debt?”

Peter from Bible Money Matters presents Will the Bush Tax Cuts Be Extended by Obama and Congress Into 2013 and Beyond?, and says, “So with the marginal tax rates set to go up at the end of the year, President Obama and Congress are now starting to hash out what they’re going to do. As you might expect the Republicans are pushing for an across the board extension of the tax cuts. Democrats on the other hand are pushing for an extension only for those making less than $250,000”

Sean from One Smart Dollar presents Your Guide to Cheap Summer Vacations, and says, “The summer months are some of the busiest for family vacations. Here are a few tips for how you can make this summers vacation a little more wallet friendly”

Jason Mikula from Credit Resource Center presents 5 Secret Tips to Booking the Best Flight, and says, “Great tips to save money and go on vacation this year. ”

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Investor Junkie from Investor Junkie presents Wall Street’s Ratings Agencies Have Too Much Power, and says, “Rating agencies rule the world despite their numerous shortcomings that have had significant effects on the economy.”

SB from One Cent at a Time presents When, How and Should You Walk Out of a Bad Mortgage?, and says, “When your home is underwater and you don’t have any other way out, should you walk out of your home? There can be alternatives and serious implications if you choose to do so.”

PK from Don’t Quit Your Day Job… presents Do You Use Paperless Statements and Auto Bill Pay?, and says, “Paperless statements and auto ball pay are two interesting arrows in your financial quiver. Is there a downside?”

Penny Thots from Penny Thots presents Should You Ever Co-sign?, and says, “In an article on how to build a good credit history, I mentioned getting a co-signer as one way. That article specifically targeted folks who need to build credit and getting a co-signer is a valid way to do that. But what if you are asked to be a co-signer? Should you ever co-sign?”

Jefferson from See Debt Run presents Guide to Surviving a Merger or Acquisition – Don’t Be Part of the Synergies!, and says, “If your company recently announced a merger or acquisition, there are steps you can take to position yourself well. You want your job to survive, and not be part of the synergies.”

Janet from Credit, Eh presents 7 Strange Things to Buy with Your Credit Card, and says, “Plastic seems to the the way to buy almost anything. Anytime you want something, you can just pull out your credit card, and give it a swipe.”

Jason Steele from PT Money Personal Finance presents How to Use Credit Cards Wisely, and says, “Credit cards can be complex. This post helps eliminate the complexities and helps you use your cards to your full advantage.”

Emily from Evolving Personal Finance presents Have You Ever Canceled a Flight?, and says, “I’ve never canceled a flight, but one of my relatives serially cancels them. Under what circumstances would you cancel a flight?”

Glen Craig from Free From Broke presents The Myth of Get Rich Quick, and says, “People dream of ways to get rich quick. Maybe it’s that lottery ticket or something else that does it. But the truth is getting rich quick is a myth.

CCS from Credit Card Smarts presents Avoid the Credit Card Minimum Payment Trap, and says, “That credit card minimum payment looks pretty alluring, doesn’t it? Pay only that much and you have more money to spend. But watch out, it’s a trap.

Mike from The Financial Blogger presents You Feeling Down? How to Get Pumped Right Now, and says, “How you can lift yourself up right now to get better financial results.”

Green Panda Treehouse from Green Panda Treehouse presents How to Save Money on Transportation in College, and says, “We look at different ways you can actually get to college without going broke.”

Pierre from Intelligent Speculator presents One Type Of Bond That I Would Buy, and says, “I share the only bond I would consider investing in.”

Martin from Start Freelancing Now presents Why Selling Stuff is NOT Sleazy, and says, “I explain to you why you should NOT be afraid of selling what you believe in.”

Martin from Studenomics presents The 8 Golden Laws of Money For Dudes in Their 20s, and says, “I humbly share the golden secrets to financial success in your 20s.”

Bryan from Gajizmo – Personal Finance presents Forget Tuition And Cost, Go To The Best College You Can, and says, “Education costs, primarily student loan debt, are one thing all parents think about. Instead of thinking of education as an expense, parents and students should consider it an investment, and like investments, we should all try to find opportunities that are high-yield and low-risk. Attending a top-ranked university, regardless of cost, is often the best investment you can make. This article highlights reasons and examples of why attending the best universities will reap the greatest rewards in the long-term.”

Liza @ Financial Highway from Financial Highway presents Grocery Shopping on a Budget, and says, “I have yet to meet a couple who like grocery shopping and/or don’t complain about the “ridiculous price of ….” Unfortunately, there is not much we can give you some tips to help you get your groceries faster and save a litte money. Here are some other tips to help you with your grocery shopping on a budget.”

Dividend Growth Investor from Dividend Growth Investor presents How to generate income from your nest egg, and says, “For my own retirement, I am using the dividend retirement strategy, which focuses on producing dependable income and solid total returns over time.”

TTMK from Tie the Money Knot presents Would You Date Someone Who is Unemployed?, and says, “Does a person’s career status impact life beyond finances, even to realm of relationships? This post ties money and relationships by asking the willingness to date somebody without a job or steady income.”

Lance from Money Life & More presents Budget Basics: Know Your Income and Expenses, and says, “Some people love budgets and other people can’t stand them. Some people even go as far as to call budgets sexy. Regardless of which camp you are in they are in important tool for planning for your future. It can be difficult to figure out how to make your first budget so let’s start at the beginning.”

Donna Freedman from Frugal Cool presents How to win online contests, and says, “The Internet has made it incredibly easy to find and enter contests. Back in the day, sweepers lived and died by “the three Ps”: patience, persistence and postage. These days it takes only a few strategic keystrokes.”

Money Thinker from Money Thinking presents Four Products that Can Save You Cash

Michael Kitces from Nerd’s Eye View presents The End Of Qualified Dividends For Small Business Owners, and says, “With the looming “fiscal cliff” at the end of 2012, dividend taxation will nearly triple from a current maximum rate of 15% to a top rate of 43.4% – which presents a unique and powerful tax planning opportunity for some small business owners!”

Bret from Hope to Prosper presents 3 Reasons why Everyone Needs to Save at Least 10 Percent of their Income, and says, “There is a lot of great financial advice about cutting costs and increasing your income. However, this won’t help you accumulate wealth, unless you save and invest part of what you earn.”

Squeezer from Personal Finance Success presents Could your family survive with only one vehicle?, and says, “Most American families love having two or more cars. However, owning two (or more) cars runs up a lot of additional expenses.”

Roshawn Watson from Watson Inc presents Are You A Financial Liar?, and says, “One area particularly prone to embellishment is our finances. After all, who wants to admit that she is destined for lack, mediocrity, or failure?

Ricky from Qwoter presents Planning for Retirement in Your 20s, and says, “If you are in your 20s, starting to plan for your retirement is critical for you to be able to retire comfortably.

Ted Jenkin @ Your Smart Money Moves presents Is It Too Late To Begin Saving For Retirement? – You are 45 years old and it dawns on you that your college days are looking further and further in your review view mirror and you can see the exit sign for retirement not too far down the road.   As you sit down at your kitchen table to really assess your overall financial situation, you begin to ponder the life and financial mistakes you have made.  You wonder to yourself, “Should I even bother trying to save?  Is it too late for me begin saving for retirement?”