My Journey presents How your Address Affects your Car Insurance posted at My Journey to Millions, saying, “If you drive a car and have ever moved home, you may have noticed that the change of address can have a (sometimes quite significant) impact on your ability to get cheap car insurance.”

Jim R. presents Where Do Universities Get their Money From? posted at Free By 50, saying, “In this post I look at Public and non-profit Private ‘research universities’ which are the major full universities that offer Graduate programs and analyze where they get their money.”

Jon Elder presents Index Funds, Yay or Nay? posted at Free Money Wisdom, saying, “An index fund will typically outperform most other types of stock investments, including the top actively managed funds. Only 20% of actively managed funds out-perform these top index funds.”

Business

Matt presents How to Scare Away Customers in 5 Easy Steps posted at Living In Financial Excellence, saying, “Businesses seem to be going out of their way to scare people off and make sure those people never do business with them. I’ve been observing this trend for a while and taking some notes. Here’s what I am seeing as the sure-fire way to scare away customers, which seems to be the way to do business these days.”

Justin presents Advantages of Credit Unions posted at Money is the root…of all things GOOD!, saying, “The benefits extended by a credit union are simply untouchable by banks because they aim to serve their members, rather than return profits to shareholders. Simple math tells us that reinvesting your profits into the business will yield more financial advantages for the account holders.”

JBY presents 4 Steps to Creating a Google Plus Business Page posted at Blogging Your Passion, saying, “Whether you have fully adopted “Google Plus” or not, here comes Google’s version of a Facebook Fan page.”

Career

Corey presents Shooting for the Stars Begins Here posted at Passive Income to Retire, saying, “Find out my new goal to “retire” in less than 2-3 years and only have to work 3 days a week starting at age 27 or earlier.”

Glen Craig presents How to Make Unemployment an Opportunity posted atFree From Broke .

Darwin presents 6 Shocking Reasons Companies Announce HUGE Layoffs Years in Advance posted at Darwin’s Money.

Mike Piper presents Thoughts on Becoming a Financial Advisor posted at The Oblivious Investor, saying, “What’s it like being a new financial advisor? Do you have to spend a lot of your time doing sales work?”

Martha Stewart presents The 50 Best Blogs for Recruiters posted at onlinemba.com, saying, “With many qualified people out of work and looking for jobs, you might think it’s one of the easiest times to be a recruiter.”

Financial Advice

Super Saver presents Good Personal Finance is Hard Work posted at My Wealth Builder, saying, “If it were easy, everyone would be wealthy!”

Bob presents The Top 10 Christmas Gift Ideas for 2011 posted at Christian Personal Finance.

Dividend Growth Investor presents Four important dates for dividend investors posted at Dividend Growth Investor, saying, “The most exciting press release is the one that discusses how a dividend increase has been approved. Understanding the dates mentioned in those press releases is essential for investors, as it will determine the timing of the distribution.”

Hank presents The Top Ten Personal Finance Books That You Must Have On Your Bookshelf posted at Money Q&A, saying, “Whether you are looking for a great present for a loved one this holiday season or just want to learn more about taking control of your finances, any of these ten personal finance books listed below are a great choice.”

Daniel presents Aim High With Your Goals posted at Sweating The Big Stuff.

Shawanda Greene presents Money Lessons Learned from a Dead Bird posted atYou Have More Than You Think.

YFS presents How to buy a foreclosure posted at YourFinancesSimplified.

101 Centavos presents Having The Right Tools posted at 101 Centavos, saying, “Having the right tools is important when it comes to any major project. Whether that’s working on budgeting or cutting through bolts.”

Kevin McKee presents Why You Should Buy Junk Silver posted at Thousandaire, saying, “Find out why you’re going to want precious metals in your house.”

Jason@LiveRealNow presents Toxic People | Live Real, Now posted at Live Real, Now, saying, “My time is too precious to waste any of it unnecessarily on people who remove value from it. I like being with people who enrich my life, instead. Unfortunately, since I’m not an advocate for the use of hitmen, not every toxic person is easy to eliminate from your life.”

Control your Cash presents The Control Your Cash Mailbag, Part II of II posted at Control Your Cash: Making Money Make Sense, saying, “More questions from confused CYC readers”

Paul Vachon presents Finance for Dummies – CPI posted at The Frugal Toad, saying, “The Consumer Price Index is a measure of the average change in the price of a basket of consumer goods and services. 1982-1984 is used as the base and equals 100. There are different versions of the CPI, for instance CPI-U includes food and energy”

SavingMentor presents 4 Ways to Kick Your Mortgage in the Butt and Pay it Off Fasterposted at HowToSaveMoney.ca, saying, “One of our customers once emailed me and asked …”It’s not just about GETTING a mortgage is it? It’s all about what happens after that. How do I pay it off faster? What’s the trick?” I couldn’t but think – she is SO right.”

Jay Speaks presents How To Claim Disability Living Allowance posted at Disability Living Allowance, saying, “This weeks post outlines how to claim disability living allowance, either online or by telephone.”

Josh Powell presents Don’t Panic If the Economy’s Struggling posted at 401k Calculator, saying, “It can be tempting to make changes to your investments when you see your 401K declining. Just remember not to panic and make a decision you will regret.”

Frugality

Steve Zussino presents Do young Canadians know interest rates are at historical lows?posted at Canadian Personal Finance, saying, “The results of this survey, shows that: More than 1 in 3 Canadian homeowners aged 30-39 are unaware interest rates are near historic lows.”

Miranda presents 45 Ways to Save Money posted at Financial Highway.

Sandra Campbell presents How banks evaluate small businesses for credit? posted atSmall Business Credit Card, saying, “When a bank decides whether or not to grant credit to a small business there are three basic paths that the bank can take.”

John presents Want Better Healthcare at a Lower Price? New Primary Care Models Are Gaining Traction posted at Wallet Blog.

Corey presents Does Cheap Perfume Exist? posted at 20′s Finances, saying, “Learn more about a natural alternative to perfume.”

Robert @ The College Investor presents What You Should Know About Early Termination Fees posted at The College Investor, saying, “What you need to know about early termination fees, and the tricks behind them.”

Deborah Brown presents 3 Clauses to Be Aware of in Personal Loans posted at First Credit Card, saying, “Most banks use early repayment penalties in order to discourage borrowers from paying off their debts early. This is because the longer a borrower takes to pay off their debt, the more money they will have to pay the bank in interest.”

Linda Rodriguez presents What is the difference between fair credit and poor credit? | Credit Cards for Fair Credit | Credit Cards for People With Fair Credit posted at Credit Cards for Fair Credit, saying, “The difference between fair and poor credit is significant, but is frequently determined by each individual lender.”

misst presents Skip the Gym, Sweat at Home 4 | Prairie Eco-Thrifter posted at Prairie Eco-Thrifter, saying, “Here is a 30 to 45 minute work out that you can do at home using every day household items. Skip the gym! Work out at home and save a bundle.”

Dorothy presents Credit Card Clauses to Avoid posted at Secured Credit Cards, saying, “When you are looking for a credit card, it can be easy to try and find the offer with the lowest interest rate, no annual fees, and the best rewards. However, there is much more to credit cards than the benefits you see initially.”

Kyle Taylor presents 7 (More) Weird Things In Your Trash Worth Cash posted at The Penny Hoarder, saying, “In February 2011 we published our original list of “7 Wacky Things in Your Trash Worth Cash.” We thought it was high time we gave the list an update. Here are 7 things we missed the first time…”

Investing

Boomer presents Stay The Course With Your Investments posted at Boomer & Echo.

Madison presents Cost Basis Reporting: Preparing for 2012 posted at My Dollar Plan.

Other

Alexander presents Best Dividend Stocks posted at Dividend Blog, saying, “The best dividend stocks consistently grow and pay dividends. As a result their stock prices rise and provide capital appreciation to their shareholders.”

Online Dividends presents Charles Schwab Credit Card is now BankAmericard posted atBlogging Banks, saying, “As most cardholders of the Charles Schwab Credit card are aware, the card was sold to Bank of America. As a result, cardholders have been unable to access their account online.”

Chelsea Prescotti presents Bank Fees ? Legal Stealing posted at CreditScore.net, saying, “In the world of banking, supplemental bank revenue is generated by fees. A bank makes its money by charging interest on loans and credit cards, collecting monthly service fees for credit and loan accounts and from the interest charged on installment loans. Another direct method that a bank has for raising revenue is by charging account usage fees. But some people would argue whether or not account usage fees are legitimate ways for banks to make money. (I am not able to provide a link back at this time. I hope you will still consider publishing my article).”

Jacob  presents What is Your Opinion of the Occupy Wall Street Protester Eviction in New York City? posted at My Personal Finance Journey.

Jason P. presents How Do Online Savings Accounts Work? posted at Comments for Childrens Savings Accounts HQ, saying, “Understand the differences between online savings accounts and traditional savings accounts.”

Jason P. presents Saving for Christmas Means a Debt Free Christmas posted at One Money Design, saying, “Saving for Christmas means you’ll have a debt free Christmas. You can do it with the 10-Week Christmas Savings Plan!”

Marie@familymoneyvalues.com presents The Million Dollar House posted atFamilyMoneyValues, saying, “Have you ever visited a million dollar house – and not wanted to live there? I recently did, read why I didn’t want that house!”

That concludes this edition. Submit your blog article to the next edition of carnival of financial camaraderie using our carnival submission form. Past posts and future hosts can be found on our blog carnival index page.

We were also included in this weeks carnivals

Canadian Finance Carnival

Carnival of Personal Finance

Totally Money Carnival

Carnival of Financial Planning

Have a good weekend everyone!