Looks like Good Financial Cents get the pleasure of hosting two blog carnivals this week!

Welcome to the Carnival of Money Pros.

Here’s some of my favorite picks this week:

Lance @ Money Life and More writes Prepare Your Finances for Next Year – Know Your Net Worth – Now that the year is coming to a close and a new year is about to begin I always want to know how I’ve progressed over the last year and how much I’d like to progress over the next year. Financially, I use my net worth to measure how I’ve been doing.

Kyle @ The Penny Hoarder writes 3 Ways to Save on Car Insurance That You Haven’t Thought Of – Most people get car insurance and then forget all about it. For years they may stick with the same company without any thought as to whether they are getting the best price for their coverage.

Jon the Saver @ Free Money Wisdom writes First Steps in January to Sorting Out Your Debt – January is a time of reflection. Use this time to look back on the past year and analyze your spending patterns. It’s amazing what one can learn!

Investor Junkie @ Investor Junkie writes Where Do You Think the Stock Markets are Heading in 2013? – The start of the new year brings all kinds of predictions for the stock market. Most of them tend to be bold – after all, no one gets noticed for predicting small changes. But all predictions aside, no one has any idea whether the stock market will rise, fall or just drift sideways. All we can do is speculate, so let’s have at it!

The Rest of the Goodies

Robert @ The College Investor writes Socially Responsible Investing: Where’s Your Limit? – At what point should investors question their benefit from the growth of a business or industry because the effect on humanity is questionable?

Robert @ My Multiple Incomes writes Two Articles You Must Read This Week – Check out these two must-read Awesome Articles.

Robert @ Entrepreneurship Life writes Does Your Business Need a Company Blog? – Learn the value of a blog to your business and reputation.

Michael Kitces @ Nerd’s Eye View writes IRS Issues Guidance For New 3.8% Medicare Tax On Net Investment Income – Just in the nick of time, the IRS and Treasury have issued rules updates and clarifications on the new Medicare taxes on portfolio income scheduled to begin in 2013… with a whopping 100+ pages of new guidance!

MR @ Money Reasons writes Mutual Funds Versus Stocks – Why I Choose Stocks – This is my take of mutual funds versus stocks and why for me owning stocks has been more financially rewarding.

Your Boss @ What Your Boss Really Thinks writes Ask Your Boss: I Don’t Want to Look Like a Know-It-All Jerk – I am a new employee and was hired because of my experience working with so many different companies. I have a lot of good ideas to improve productivity and quality.

Wayne @ Young Family Finance writes Remembering What’s Important During the Holidays: Family – A lot of what I try to write about here on this blog is aiming to help young families like mine with their finances. I often relate some of the bad decisions that I or my friends make as young adults and share them with my readers so that none of you make the same poor choices. I imagine that it helps and that is what keeps me going.

Eddie @ Finance Fox writes Why Are Americans Clueless About Canada? – I know you’re thinking that I’m being a little radical with today’s post by asking the question in the title – Why are Americans clueless about Canada?

Crystal @ Budgeting in the Fun Stuff writes Accepting Instability – Life itself is unstable. I can follow my own advice to grow, but I can only control my own reaction to things. Breakdown realizations…

TDB @ Tax Deduction Blog writes Can’t Pay Your Tax Bill?-5 Options for Relief – Have a bill tax bill but don’t have money to pay the tax? Here are 5 options you can consider to get you out of IRS wrath.

Don @ MoneySmartGuides writes Paying off Debt or Invest? – Reminder: I am running a Salvation Army Red Kettle Drive through Christmas. If you haven’t done so already, please donate. 100 Percent of the proceeds goes to The Salvation Army.

Evan @ My Journey to Millions writes Situations When a Retiree Should Own Life Insurance – Most personal finance bloggers or gurus would say that Retirees or near retirees no longer need insurance, however, like most personal finance advice when you start applying real life situations the hard and fast rule starts to crumble. There are situations when retirees or near retirees should have life insurance.

A Blinkin @ Funancials writes Would You Rather… – Would you rather have to whisper everything you say or always be screaming? Would you rather have a boss you love at a job you hate or a boss you hate at a job you love? Would you rather have your grandma’s hair cut or her first name? These are 3 of my favorite (would you rather) scenarios. Each combines a difficult decision with a bit of humor.

Jason @ Work Save Live writes How Do You View Your Money? – One of the best things you can do for yourself, financially, is figure out how you view money. It’s important to understand your relationship with money, and acknowledge what you want your money to do for you.

Sustainable PF @ Sustainable Personal Finance writes What are Penny Auctions? Should You Participate in Them? – Chances are that you have seen ads around the Internet: Big Screen HD TV for $15! These ads usually point to penny auctions.

Maria @ The Money Principle writes Unifying investments – Bring an ISA and a SIPP together – This article discusses the benefits and ways to unify investments.

Jennifer Lynn @ Broke-Ass Mommy writes Words of Caution: Things I Am Not. – Read the Things I Am Not To A Very Important Person.

Michelle @ The Shop My Closet Project writes Essence Magazine Bad Financial Advice or No? – I read the following article (The Credit Doctor Is In). I don’t claim to be a professional financial advisor but this article really pissed me off. Basically, the article started off really well. Discussing the concept of good credit and taking steps to clean up any credit issues that you may currently be dealing with. Then, it ended on a really sour note for me.

Suba @ Broke Professionals writes The Death of Christmas Cards – Christmas cards are less prevalent in my mailbox this year than years past – is the USPS and stamp prices to blame?

Tushar @ Start Investing Money writes How Did the Commodities Market Begin? – If you are considering making an investment in the commodities market it makes sense to find out as much as you can about it first. This can lead you to make a better investment than you would otherwise.

BARBARA FRIEDBERG @ Barbara Friedberg Personal Finance writes ROLLOVER YOUR 401K INTO AN IRA – ROLLOVER YOUR 401k INTO AN IRA. Easy 401K rollover to IRA tips.

krantcents @ KrantCents writes Is College Worth It? – Is college worth it? This is the time of year when high school seniors are applying to college. A lot of families are thinking about this question, whether you have a high school senior who wants to go to college or your child graduated recently.

Hank @ Money Q&A writes How To Truly Earn Passive Income From Lending Club – Lending Club is a great way to earn a passive income that will supplement and diversify your investments. It is easy to earn passive income from Lending Club.

Ted Jenkin @ Your Smart Money Moves writes How To Pick A Credit Card – We often pull out our credit cards during this holiday season much like a Ninja warrior would unleash their Samurai sword from its sheath.

Amanda L Grossman @ Frugal Confessions writes Monetizing the End of the World: Do You Buy It? – There have been many end-of-world predictions over the course of history sourced from both religious and non-religious beliefs.

Kyle @ The Penny Hoarder writes Have Stocks Become Old Fashioned? – I was reading an article the other day about how less and less companies are now offering share certificates to their stockholders. In fact, it is not even required that companies issue stock certificates anymore, and over 400 do not offer them at all. It makes me really wonder if stocks are just becoming old fashioned

Passive Income Earner @ The Passive Income Earner writes Should You Refinance – Opting to refinance is a big decision to make. Consumers may end up either saving a lot of money or getting all the hassles and spending more. It is important that they weigh all their options carefully before refinancing. Most importantly, they should know if it makes sense for them.

SFB @ Simple Finance Blog writes 401k Rollover! Teach Yourself These 5 Tricks – Whether you are rolling your 401k due to an unanticipated dismissal or a voluntary move to another employer, you now have increased levels of stress at play in your life.

Ray @ Squirrelers writes Why Do People Blame the President for Their Money Problems – It’s always great to take credit for our successes, but some folks like to blame others for struggles. An easy target: The President, regardless of which party! This post examines this phenomenon.

Roger the Amateur Financier @ The Amateur Financier writes 5 Tips To Finding Employment for New Graduates – Not too many people tend to graduate following the Fall Semester, at least when compared to the Spring semester.

Bryan @ Gajizmo writes Highest Paying Jobs Without A College Degree – When the economy fell into a recession a few years ago, many individuals were forced to skip college and join the workforce. Despite the importance of an education, many can find high paying jobs without a college degree. Here is a list of the best paid jobs, in order of median wage, accompanied by their projected demand through 2020.

Luke @ Learn Bonds writes How to Get a Better Return on Your Peer to Peer Loans – Most investors provided that they are diversified among at least 40 loans can expect a return in the 5 to 9 percent range. However can you do better than the average investor?

Daisy @ Add Vodka writes I Have BIG News – I have a little secret. It’s actually a big secret. A secret that only a handful of people know. And one that I may get a lot of flack for upon disclosure. But it’s too juicy to keep it in.

Aloysa @ My Broken Coin writes Sleep on the Pavement, Piss in a Bottle – I am not going to talk about camping equipment. Or tents. Or camping trailers. I want to discuss people who camp out in front of businesses.

PPlan @ Provident Plan writes Job Interview Tips – Searching and applying for jobs can be tiring and extremely difficult. Nerve-wracking is also another word that most likely comes to your mind.

Invest It Wisely @ Invest It Wisely writes How to Fight the Blues This Winter by Giving to the Causes That You Believe In – Happy Christmas, painted by Johansen Viggo. Source: Wikipedia Welcome to December, everyone! :) As we draw nearer to Christmas, the days get shorter and the

TTMK @ Tie the Money Knot writes Giving Back to Your College: Do You? – Many people give back to their college or univerisity, donating money while playing the role of proud graduate. Given your life’s financial priorities, do you donate?

Tushar @ Earn More and Save writes Unconventional Investment Series: Music Royalties – A look at music royalties, a unique new way to diversify your investment portfolio.

DPF @ Digital Personal Finance writes Do You Track Expenses? – It’s important to save money, as we know. Along those lines, we should know how we’re spending our money. To help facilitate this, do you track your expenses?

Jester @ The Ultimate Juggle writes Extra Christmas Tipping – I tip this one super waitress over 60 percent during Christmas. But she totally deserves it, ready why!

Ashley @ Money Talks Coaching writes Get Prepared Now… Before the Emergency – As I wrote about last week my husband has been sick for the last few weeks. Like really sick.

Daniel @ Sweating the Big Stuff writes Would You Take Less Money to Get a Faster Rebate? – I was recently give the choice of taking less money in return for getting my rebate faster. Guess which options I took!

Deacon @ Well Kept Wallet writes Thirty Things I Learned Before 30 – Tomorrow I turn 30 and as I reflect back, I realize that there is so much that I have learned. If I would have known what I know now when I was 20, I probably would have made drastically different choices. But I will say, everything that I have done has lead me to where I am today. For that reason, I wouldn’t change how I got here. That being said, here are thirty things I learned before 30.

harry campbell @ Your Personal Finance Pro writes The Apple Price Premium: Are Mac Computers, Ipods and Iphones Worth the Extra Money? – From my seat on the couch I can look around and see my fiancee’s iPhone 5, my old iPhone 4, my Apple TV and oh yeah I’m typing on a MacBook Pro. Obivously, we’ve been using Apple products for quite some time now but I still remember our family’s first Macintosh computer in the early 90′s. Mac products have come a long way since then and the company has come to epitomize a top of the line electronics brand.

Corey @ 20s Finances writes How to Have Fun on a Budget – I used to love going out all the time… Then I realized how much I was spending and I figured out how I could still have fun on a budget.

Penny Thots @ Penny Thots writes How to Apply for a Job Online for the Best Chance of Success – There are different ways to apply for a job online and this article will cover the most common methods for doing so. You will learn the best ways to improve your chance of success. All you need is an email address and regular access to a computer to apply for a job online.

Cash Flow Mantra @ Cash Flow Mantra writes Are Entrepreneurs Made or Born? – My daughter started making jewelry for family members as a hobby this summer. Before I knew it, she had opened an Etsy store and started tracking her expenses and revenue on a spreadsheet. She made some changes to her store and tracked the resulting increase in views.

Lazy Man @ Lazy Man and Money writes This Herbalife Story Is Amazing – If you are little weird like me, you’ve been fascinated by Bill Ackman and his billion dollar stock market bet that Herbalife is a pyramid scheme. There are a lot of over-embellished titles used for articles in the media, but this Business Insider title of We Have Never Seen Anything Like Bill Ackman’s Dizzying Takedown Of Herbalife is dead on.

Mr. Money @ Smart on Money writes Boost Your Job Prospects for the New Year – According Money magazine, 2013 will offer the best chance for you to get a new job — or a raise — since 2007. That means that next year could be a good one for you, as long as you are poised to take advantage of the potential opportunities provided for the climate.

Peter @ Bible Money Matters writes 8 Ways to Donate to the Victims of the Sandy Hook Shooting – So many were killed and so close to Christmas with no apparent reason that many want to reach out and help others. There is a need to do good to offset the evil actions that were taken on Friday, December 14, 2012. If you would like to help, there are many ways you can. If money is tight, there are still ways you can show your support.

MMD @ My Money Design writes Why You Need to Get Your Full 401k Matching as Early as Possible – In this post, I’ll show you just how powerful taking advantage of your full 401k matching from your employer as early as possible can be for you.

Roger Wohlner @ The Chicago Financial Planner writes Do I Need Life Insurance in Retirement? – My fellow Baby Boomers and I have been told that life insurance is generally not needed once we retire. The thought was that we would have accumulated sufficient assets and our dependents are grown and self-sufficient. This is great in theory, but may not hold true in practice. Here are a few thoughts as to why you might need life insurance as you approach retirement.

IMB @ Investing Money writes Carnival of Retirement – Welcome to another edition of the Carnival of Retirement. Thanks to all of you who participated. Without further ado, here are the submissions for this week. I did my best to include everyone, but eliminated some of those who tried to submit twice.

eemusings @ NZ Muse writes Reflections on a year of no shopping – Looking back on my 2012 shopping ban and how well I did.

SBB @ Simple Budget Blog writes Budgeting With Two Incomes – Find out how having two incomes affects your finances. Budgeting doesn’t have to be complicated because of two incomes. It’s easy enough to master.

Corey @ Steadfast Finances writes Are You Fully Prepared for Retirement? – While I always wanted to be an adult, never have I ever wished to myself to grow old. No one ever wants to grow old. At least, no one that I’ve talked to. The primary reason is that once you reach a certain age, your body starts to wear down and costs to maintain your health go up. This is the reason that I often dread talking to my grandparents.

CAPI @ Creating a Passive Income writes Live Like a Rockefeller with Passive Income – Want to know what the financial giants do differently from the average working class family? The secret lies with utilizing passive income. Find out more.

Gary @ Gajizmo writes How To Get Out of A Cell Phone Contract Without Paying Termination Fees – Fees – they are the bane of our existence as consumers. Technically, we don\’t get anything for the money we spend on fees, and they are just an additional tax companies use to increase earnings. Well, what if you want to get out of your phone contract due to bad service or loss of employment, but don\’t want to pay early termination fees? We cover the many tactics you can use to try to get out of these fees, as well as some tips on finding the best cell service.

Beating Broke @ Beating Broke writes Mortgage Insurance: Annoyance or Helper? – With mortgage insurance, if you need it, it’s really the lender that will benefit. The way it works is much like any other insurance. But, when an accident happens, and you default on your mortgage, the insurance pays off the mortgage to the lender. It’s protection for the lender against default.

Derek Knight @ Freeat33 writes Saving On Taxes Like Smith – The Smith Maneuver Allows Your Canadian Home Mortgage To Be TAX DEDUCTIBLE!

John S @ Frugal Rules writes Saving Money with Comparison Shopping – There are many ways you can save while shopping for various items. Comparison Shopping is one angle you can take to make sure you get the best price. This can be done through looking at ads, looking online, or using your smartphone.

Paul Vachon @ The Frugal Toad writes How to Avoid Going in Debt for the Holidays – Avoiding debt is a pretty simple concept, plan ahead and spend less than you earn. We’ve identified strategies to help avoid debt, the rest is up to you!

Mandy @ http://moneymastermom.com writes When the Cash Runs Out Before the Month Does – If the cash keep running out you need a budget. A budget may feel like a corset when everyone else is burning their bras, but you’ll have incredible cleavage to show for it!

Little House @ Little House in the Valley writes First Time Home Buyer Tips – I’m beginning to realize that I might be purchasing my first house without the golden standard of 20% down. For personal finance gurus who are guffawing and shaking their heads, the truth is I live in an expensive area and 20% down on homes in my area is more than most people make in a year.

Everything Finance @ Everything Finance Blog writes My Financial Resolutions for 2013 – Here’s what I’m planning to do in 2013 to tidy up my money mess and set myself up for success in the years to come.

Steve @ 2012 Taxes writes Electronic Version Of Pub 17: Getting Cozy With The IRS – The electronic version of pub 17 is in PDF format. It contains valuable information about filing your federal tax return.

Marvin @ Brick By Brick Investing writes How I Invest In Municipal Bonds – A brief description of how I invest in municipal bonds and earn a tax free 5% yield with very low risk.

Jefferson @ See Debt Run writes Up The Chimney Goes Your Cash – Sitting around the fireplace is a fun and romantic way to spend an evening, but it can costs you money! This article offers some tips to help minimize the costs

Philip @ PT Money Personal Finance writes The Secret to Becoming Your Own Financial Expert in 2013 – In this post, I share 3 secrets to becoming more proactive in making yourself your own financial expert in the coming year.


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