Financial Carnival for Young Adults ' 12th Edition

Welcome to the twelth edition of the Financial Carnival for Young Adults. My purpose with this carnival is to create an easy-to-find place for information about finances for young adults. The carnival is hosted here at 20's Finances each week and features the most recent articles from around the web.

Roger the Amateur Financier @ The Amateur Financier writes Book Review ' The Art of Non-Conformity ' A book review of The Art of Non-Conformity, a guide to doing what you want with your life, particularly helpful for younger people.

Dr. Dean @ The Millionaire Nurse Blog writes iPads And Tablets: Ten Ways To Keep 'Em Safe While Traveling ' iPad's size and weight make them great for traveling Read all about how to help keep yours from the black hole that is ' airline lost and found.'

FG @ Financial God writes Betting on the Future President ' Have you ever visited Intrade, which brands itself as the leading prediction market? You can make a market in almost anything these days, it seems. Intrade is a prediction market based in the Republic of Ireland, and lets you bet on predictions in all kinds of areas, including the future president of the United States.

Eddie @ Finance Fox writes What Income Level Do You Consider Rich? ' There's no secret formula to getting rich. Even as little as 10 Percent of your income invested over 30 years and you'll be set for the rest of your life.

krantcents @ KrantCents writes The 3 O's of Success ' The 3 O's of Success is the fifteenth in a series of articles to help you reach your goal.

Kyle @ The Penny Hoarder writes Earn $5 for Taking a Picture of Your Grandparents (and 12 other weird things') ' Fotokoi is an online market that allows people to exchange photos. The best part is, people interested in your work will pay you for rights to your photo.

Hank @ Money Q&A writes What Is Gap Insurance On Your Car And Why You Need It ' What is gap insurance? And, do you need it? Gap insurance is a type of car insurance policy that is designed to cover the gap between what the value of your car actually is, and what you owe on the vehicle.

Kevin @ Thousandaire writes Paul Ryan is a Fiscal Liberal ' If Barack Obama is the most liberal president in history for spending $3.6 trillion in 2011, then why does the Ryan plan spend $3.5 trillion in 2013?

Sustainable PF @ Sustainable Personal Finance writes What is Crowdfunding? ' Crowdfunding works in much the same way as microloans for the poor. You receive a large number of small cash infusions, rather than one or two large ones.

KT @ Personal Finance Journey writes In Debt? Consider Paying Cash for Your Purchases ' Are you in debt (besides the mortgage)? Do you have thousands of dollars worth of student loan debt and/or credit card debt? If you are struggling to make your payments, one of the best things you can do is to stop using credit and begin to use cash.

SFB @ Simple Finance Blog writes 8 Most Common Types of Houses ' Shopping for houses means looking through countless of listings, In order to eliminate the confusion, below are the eight most common types of houses

Jacob Wade @ I Heart Budgets writes Budgeting Basics (Part 2): Tracking Your Income and Expenses ' This is part 2 of the budgeting basics series on iHeartBudgets.net. This week we are talking about how to track your income and expenses in detail and put everything in categories, which will be the foundation of your budget. Also, read through the end of the post for this week's bonus question!

Aloysa @ My Broken Coin writes How to Make it in America ' I am sure you know that it is not easy to make it in America. Making it (whatever it means for you) requires a lot of work and determination. It also requires bravery and courage. For someone like me, making it in the land of opportunity was not just about hard work and determination.

Maria @ The Money Principle writes Politics and economy in the Eurozone part 1 ' The people have spoken in France and Greece. They do not like this austerity business one little bit. Can you blame them? After all it was not the people who caused the problem so why should they suffer while the banks get off scot-free?

Wayne @ Young Family Finance writes Unexpected Costs of Pet Ownership ' Pet ownership can be quite expensive. If you are considering getting a new pet, make sure to consider these costs.

A Blinkin @ Funancials writes Should I Buy A House? ' I rarely divulge details from my personal life, but today I'm looking for some feedback. Let me give you the full story: I have been dating Miss Blinkin for approximately 1 year and 4 months. Without giving too much information, I foresee an engagement in the coming months.

MMD @ MyMoneyDesign writes What Did You Learn From Working as a Teenager? ' Was your job as a teenager a complete waste of time, or did you learn some incredibly valuable life lessons that prepared you later on in life to be a better working professional? I present to you 17 lessons I learned from my early days of employment that I still carry with me today.

Crystal @ Budgeting in the Fun Stuff writes Doing it Again ' Renting Out a Spare Bedroom ' We rented out the spare bedroom of our current home 2 of the 5 years we've lived here. And we're doing it again starting today.

ETZ25 @ Entertainment Timez writes Thoughts on a Dividend Stream For Entertainment ' I hash out my plan of attack for the future dividend stream for entertainment.

101 Centavos @ 101 Centavos writes Wall Street Hates Wal-Mart ' After running a just-for-fun post a while back on a Redneck-themed stock portfolio, some readers suggested adding Wal-Mart (WMT) to the mix.

Don @ MoneySmartGuides writes Why You Need A Will ' A few weeks ago, I wrote a guest post over at Money Q&A titled Four Overlooked Estate Documents You Need.

Jeffrey @ Money Spruce writes Travel When Retired? No! Travel Now! ' I just don't buy into the whole 'travel when you're retired' thing. It seems like such a waste to wait my whole life to travel (and, not to be morbid, but assuming I make it to retirement age). I just got back from my latest trip to Montreal, which was fantastic. It was my first visit, and it definitely won't be my last.

Kanwal @ Simply Investing writes Top 5 Things You Need to Know About Dividend Paying Stocks ' Dividends are cash payments made to shareholders.  As a shareholder you are part owner of the company and therefore are entitled to share in the profits. Dividends can also help you determine when a share is undervalued, and priced right for purchase.

Corey @ Steadfast Finances writes Investing in a Timeshare ' Is It Worth It? ' Is investing in a timeshare worth it? Find out the benefits and costs associated with timeshare vacation programs.

YFS @ Your Finances Simplified writes What Is Asset Allocation and Why Is It Important? ' One of the things that investment gurus always emphasize is to diversify, diversify and diversify. Supposedly, diversification will help improve the overall performance of your portfolio since it doesn't ride on just one investment vehicle.

PPlan @ Provident Plan writes U.S. Companies Exploit International Workers ' Lack of Fair Wages ' Learn more about Infosys and why U.S. companies should not treat workers this way.

Ryan @ Early Retirement Investments writes Retiring Early is Only Going to Get Harder ' Related Posts:Why Your Children Should Open a Roth IRA at Age 18Common Sources of Retirement IncomeAbout The Baby Boomers Already Flocking to RetirementFinding'

Daniel @ Sweating the Big Stuff writes Wedding Gift Etiquette ' Buy A Gift or Write A Check? ' So what do you want for a wedding gift? With just weeks to go before my wedding, I've been asked that simple question more times than I can count. When people pose it, they're looking for a simple answer.

Vanessa @ Random Thoughts & Acronyms writes A Frugal Girl's Guide to Europe ' How I visited Europe for two weeks for a bit over 2 000$

PITR @ Passive Income To Retire writes How Blogging Has Changed My Life ' Find out how blogging has changed my life. It has not only improved my writing, but has allowed me to build a side business.

Linsey @ 1099 Mom writes Update Your Blog to Get Even More Paying Customers ' A verdict has been reached: Provided that your company's blog is full of useful, engaging insights, there is a direct correlation between the amount of content you generate and the number of people who are buying your product or service!

Beating Broke @ Beating Broke writes The Work Revolution ' In The Work Revolution, Dr. Clow lays down the argument that it isn't that you need to find an escape from work, but that work as we know it is in need of a revolution.

Matt @ Living in Financial Excellence writes If You Feel You MUST Get a Credit Card, Keep These Tips in Mind ' I'm in no way endorsing the use of credit cards as a savvy way to win financially. I'm perfectly fine living without credit cards and I strongly believe that I am much farther ahead because I don't have credit cards. If you disagree with me and really want to get one anyway, that's fine. At least take the time to make sure that the card you choose is the best one for you and know what you're signing up for. What the big print giveth, the small print taketh away.

Steve @ Brip Blap writes Stability and Desperation ' What all of these people fail to realize is that the instability they feel in uncertain times like these arises from their own lifestyle, and not from the government or the corporations or 'the economy.' Learning how to build prosperity, not just surviving paycheck-to-paycheck, is a big first step. Learning to live within your means gives you a more stable life. Learning to think more about making money than saving money helps create stability.

Emily @ Evolving Personal Finance writes Joint and Separate Money Series: Changes During the First Year of Marriage ' I review a study in which married couples were asked about their money management systems and ownership models around the time of their wedding and one year into marriage. The authors found a general trend toward pooling and shared mindsets, along with several other interesting observations.

TRL @ The Retired Landlord writes Different Places to Save a Down Payment ' Find out the many different accounts or investment places that you can use to save a down payment for a rental property.

Miss T. @ Prairie Eco Thrifter writes Start Saving Early for Retirement: Tips for Young People Just Starting Out ' The longer you save for retirement, the more money you will have to retire on, even if the amounts saved are quite small in the beginning. This article looks at the reasons an early start to retirement saving is so vital and why so many people just don't get it.

Jon the Saver @ Free Money Wisdom writes When Should you go for a Reverse Mortgage? ' Reverse mortgages are tricky things. Instead of avoiding them, why not research them and see if they would work for your financial goals!

Jen @ Master the Art of Saving writes Using Extra Income to Pay for Luxury Items ' I was under the (incorrect) assumption that I had already told you guys how I afford to pay for my luxury items. Sometimes I get a little confused about what information I post on here, reply to in comments on here and leave in comments on other people's blogs.

Jeremy Waller @ Personal Finance Whiz writes Reader Question: Spend Money to Repair a Gas Guzzling SUV or Sell And Get a More Fuel Efficient Car? ' This week I received an e-mail from one of the PF Whiz readers: We are at a cross road dilemma to purchase or repair. Our gas hog Acura 2005 MDX, with 107,000 miles needs new a timing belt & other minor repairs. The cost estimate is $2800. This car only takes premium unleaded.

Jason @ Work Save Live writes Why We Didn't Sell Our Car on Craigslist ' Last week I detailed why we considered buying a car through CarMax, and I wanted to do a follow-up on a service of theirs that we actually used.

Suba @ Broke Professionals writes How to Save Money on Hotel Rooms ' How to Save Money on Hotel Rooms is a post from: Broke Professionals if you enjoy it, please visit us and subscribe to the Feed. You don't have to be rich to take a trip or go on a vacation, but they do cost money.

Jester @ The Ultimate Juggle writes The Importance of Vacations For Kids ' This article explains the reasons that we prefer to take destination oriented vacations for the kid's sake.

MR @ Money Reasons writes Is Now The Time To Buy Real Estate? ' With the low mortgage rates, is this the perfect time to buy real estate? I find myself looking more and more often.

Everything Finance @ Everything Finance Blog writes How To Transfer Money Between Bank Accounts ' You may need to transfer money between bank accounts if you have money in two different banks. There are several ways to do this beyond the obvious of driving to one bank, withdrawing the money and then depositing it at the other bank. Which way works best for you depends on how quickly you need the money and how much money you want to spend to transfer the funds.

Thad @ ThadThoughts writes 10 Tips: How To Beat Stress ' Working too hard? Having trouble sleeping or staying focused? These tips can help, and not one of them refers to Red Bull!

Ashley @ Money Talks Coaching writes Should I Get Married with Debt? ' Money and marriage. They go together like peanut butter and jelly,

Robert @ My Multiple Incomes writes The Ultimate Guide to Social Media Backlinks ' Social media is a great starting point for backlinks, and since popular articles are usually shared multiple times, the amount of backlinks multiplies over time. If this happens, not only will you see increased traffic to your site, but you will see your site ranking highly in Google as well. Also, I will give you some tips on how to execute a social media backlinking strategy that will save your time and effort. Continue reading to see the full list of social media backlink sites, how t

Daisy @ Add Vodka writes 4 Things All Women Need to Know How to Do ' I think independence and self sufficiency is a must for all women.

Debt Guru @ Debt Free Blog writes Actively Avoiding Debt ' Find out how you can actively avoid debt by not having a wish list or items that you want to buy next.

Teacher Man @ Young And Thrifty writes Choosing the Latest Investing Fad ' Don't you love the guys/gals that get their investment advice from the water cooler? You know the guys and gals that are constantly hopping on the bandwagon of whatever terrible investment advice that their co-workers heard on the radio on the way in this morning?

John @ Married (with Debt) writes The Goal of Work is Retirement: Rule 10 ' This is Rule 10 in my 10 Rules to Eliminate Debt and Change Your Life The reasons I started Married (with Debt) are twofold: to help people get out of debt, and help them change their lives.

Teacher Man @ My University Money writes Lifestyle Inflation ' The Upward/Downward Spiral ' Yes, I know, many of you have seen this before, and are probably thinking, 'Man, I don't go out and spend frivolously, I'm not trying to pretend I'm a Rockefeller, I'm just an everyday person, I don't have any lifestyle inflation.' Here is the thing ' lifestyle inflation is a silent beast.

Luke @ Learn Bonds writes Predicting the Future Rate of Inflation ' May Edition ' What does the market say about inflation predictions? The answer is plenty.

Amanda L Grossman @ Frugal Confessions writes Frugal Mother's Day Ideas ' Sometimes what we want to give loved ones cannot come close to what we can actually afford to give them.

Tushar @ Start Investing Money writes How to Dodge Investment Scams ' This Post was Originally published at How to Dodge Investment Scams on Start Investing Money

Echo @ Boomer & Echo writes Pitfalls Of Chasing The Highest Dividend Yield ' Choosing a dividend stock involves a lot more than simply looking for the highest dividend yield. Here are some of the pitfalls to avoid:

Mike @ Rewards Cards USA writes Best Airline Miles Credit Cards ' One of the reasons that many people sign up for rewards programs is to save money on travel. Here are some of the best airline miles credit cards:

Jeremy @ Modest Money writes Career Lessons From My Mom ' In honor of Mother's Day this coming Sunday, I decided to write about how my mom overcame financial adversity. As a single parent she went from collecting welfare to being a successful entrepreneur and is now retired early. She is a true success story.

harry campbell @ Your Personal Finance Pro writes Traveling on a Budget: A Review of My Vacation to Maui ' I never realized the value of a vacation until I started working full time. You could even say I took my travels to Thailand, Hungary & Turkey for granted. My trips during college were an awesome experience that I would recommend to anyone at any age. But for working professionals, who get anywhere from 2-4 weeks off a year, vacation time becomes a precious commodity. I get two weeks a year but I think I would be a lot happier with four

Sean @ One Smart Dollar writes 8 High Paying Jobs Without a College Degree Needed ' Not everyone has the means or want to go to college. Luckily for them there are still plenty of jobs that you can make over $100,000 while not having a college degree

Jon Rhodes @ Affiliate Tips writes How Many Keywords Should You Use On A Page? ' This article talks about blogging, and how many keywords you should include in a post.

Earth and Money @ Earth and Money writes How NOT to Make a Financial Decision ' When it comes to making financial decisions, it is imperative that you have a clear and focused mind. Given how hard we work for our money, a poorly made financial decision can come back to haunt us many times over.

SB @ Finance Product Reviews writes Best Credit Cards for Balance Transfer in 2012 ' We analyzed over 20 cards geared towards balance transfer scenario and rated top 3 based on overall feature of the cards.

SB @ One Cent at a Time writes Top Risks for Investing in Oil and Natural Gas ' Every investment opportunity has its share of risks. This article talks about the risks of investing in oil and natural gas sector, geared towards beginner investors.

Lance @ Money Life & More writes Rental Property ' The Financial Side ' There are many numbers that are important when making a decision on buying a rental property. The first one that we calculated was how much we would offer for the townhouse. It was listed at $73,500 which may not seem like a lot but would probably be about 5,000 under market value IF it was in great shape and ready to rent out. It wasn't, so we definitely would not be offering anywhere near that amount.

J.P. @ Novel Investor writes Remember Your Investment Horizon ' Fears in Europe, slowing economy, unemployment concerns, and a few hundred other data sets all contribute to the daily swings of the market. When the markets start acting crazy, remembering your investment horizon will bring everything back into perspective.