Financial Carnival for Young Adults ' 38th Edition

Welcome to the thirty eight 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 almost every week and features the most recent articles from around the web. I hope you enjoy this edition of the carnival.

I'm sorry to those who submitted to last week's carnival and were disappointed to see that there wasn't a published edition. There have been lots of changes for me in the past two weeks (about which I will share in the coming weeks) that kept me from publishing it. That and there were some technical difficulties with the submissions. I hope everyone enjoys the upcoming (US) Holiday.

Lance @ Money Life and More writes What Would You Do?: Should I Refinance My Mortgage? ' I reached out to a mortgage banker I have dealt with in the past and asked for a quote. Inside are the details of my mortgage situation along with the quotes I received. Do you think I should refinance my mortgage based on these circumstances?

Bryan @ The Insurance Expert writes How To Save With Cheap Car Insurance Quotes And Get The Best Policy Coverage ' Helps consumers save on car insurance by discussing the discounts to look for, the factors that affect insurance rates, as well as the average premiums per state and type of policy.

Suba @ Broke Professionals writes Kids and Money: What They Really Think ' What do kids really think about money? I asked my daughter ' and her friends ' what they'd do with a million bucks. Their answers are hilarious!

Ashley @ Money Talks Coaching writes It's not about what you earn' it's about what you keep! ' When I first heard the phrase (work smarter, not harder), I dismissed it as business jargon for (work harder for us with no extra pay).

Jester @ The Ultimate Juggle writes Fairness In Spending On Kids ' When I first heard the phrase (work smarter, not harder), I dismissed it as business jargon for (work harder for us with no extra pay).

krantcents @ KrantCents writes Moving When You Retire Is Dumb! ' Unless you are moving with friends and family, moving when you retire is dumb! You have roots in the neighborhood, family and community. Social connections are very important to living a long happy life.

Hank @ Money Q&A writes How To Stay Out Of Debt This Holiday Season ' Here are several ways that you can avoid adding to your debt this Christmas. There are ways that you can learn how to stay out of debt this Christmas and holiday season.

Kyle @ The Penny Hoarder writes The 5 Weirdest Things We've Sold for Cash ' Over the past few years my family has made close to $7000 by selling unwanted stuff from our closets. My husband is a musician, and musicians have a lot of crap'er, gear, so that helped with our earnings.

PITR @ Passive Income To Retire writes How Cash Flow Investments Change Your Life ' Find out how dividend investing or cash flow investments can change your life in more ways than the income itself.

BARBARA FRIEDBERG @ Barbara Friedberg Personal Finance writes SHOULD I INVEST IN COMMODITIES? ' Learn commodities investing. Commodity and investment returns are volatile. Commodities are risky investments.

Daniel @ Sweating the Big Stuff writes Think Hurricane Sandy Doesn't Affect You? Think Again ' While most of America lives in states not affected by Hurricane Sandy, the entire country will feel its effects, especially the bad and ugly ones.

A Blinkin @ Funancials writes The Fiscal Cliff is a Solution, Not a Problem ' Once the media gets a hold of an idea and it enters it's way into everyday conversation, it's either over-hyped or (not as bad as they say.) In my opinion, the Fiscal Cliff falls into the (not as bad as they say) category.

Steve @ Ready To Quit My Job! writes Quitting Without Retiring: Keep Your Name Prominent ' Quitting doesn't have to mean retirement. Keep in touch and don't fade into obscurity.

Jon the Saver @ Free Money Wisdom writes Three Financial Decisions Newlyweds Need to Make ' These three financial decisions are things you really need to take into consideration if you're ever to ensure that your future is financially stable.

IMB @ Investing Money writes What is a Mutual Fund? ' Find out what a mutual fund is and how to use it to your advantage in your portfolio.

Marie at Family Money Values @ Family Money Values writes Why Not Use that Halloween Pumpkin? ' Pumpkins raised for carving, I just learned, are not the best ones to use for cooking. Who knew! I've been peeling and cooking my Jack O'Lantern pumpkins for years and making delicious pumpkin bread and pie from them since the kids were small. It has grown to kind of a (time consuming) tradition.

J.P. @ Novel Investor writes What Is A Trailing Stop Order? ' The type of orders you use is just as important as what you buy and sell. A trailing stop order allows you to limit your losses without sacrificing gains.

Robert @ My Multiple Income writes How To Go To College For Cheap ' Have you thought about going back to school? Going to college and getting your undergraduate degrees, MBA, etc. might be a good idea. After you have decided whether or not going back to school is a good choice for you, it is time to get a reality check and think about all of the major costs that are included.