Tour de Personal Finance 2012 – Final Championship Sprint on the "Parisian Champs-Élysées" of Personal Finance


The 2012 Tour de Personal Finance has been an absolute 100% success (far beyond anything I could have imagined!). A big thanks goes out to everyone that has participated in the Stages and to the hundreds of voters who have stopped by to support their favorite authors/articles.

Later this week, I’ll write up a Tour de Personal Finance recap, post-race show, and awards ceremony to talk about what happened this year and how I envision the event growing in the coming years. But, that’s enough of that commentary for now!

Without further ado, let’s continue on with the final, 18th Stage (the final championship sprint) of the 2012 My Personal Finance Journey Tour de Personal Finance (to follow all of the action, click on the Tour de Personal Finance category link and scroll down to read all the posts involved in this subject).



As I mentioned in the introduction post for the 2012 Tour de PF, I have reserved the reader portion of my 10% monthly blog income give back event for both June and July as prize money to the Yellow Jersey winner and runner-up/second place podium finisher. The Yellow Jersey winner will also select a charity of their choice to receive the charity portion of the 10% monthly blog income give back.

At the time that I mentioned these prizes, I did not yet know the exact quantities that they would be. However, I now have everything calculated, and the prizes will be as follows:


  • Prize to Yellow Jersey Winner – $75.00
  • Amount that will be given to a charity chosen by the Yellow Jersey Winner – $123.05 
  • Prize to 2nd place podium finisher – $50.00



There are only 2 blogs/posts remaining in the 2012 Tour, so the competition should be quite interesting in this Stage! To view the most up-to-date brackets of the competition, click the following link – 2012 Tour de PF Bracket

Going along with Tour de France cycling tradition, I’ve listed each competition within each stage as an “intermediate sprint” (one post versus another) along with the description provided by the blog author when the post was submitted.

Also, if applicable, I will give a brief description of the stage of the Tour de France that took place the same day as the competition.

How to Vote

You can vote for the one article (since there’s only one intermediate sprint today) you’d like to see proceed in the Tour (i.e. WIN the Tour!) by commenting in the comments section below and telling which are your favorites.I’ve listed a keyword after each post title to make it easy to vote (as a made-up example, you can just comment: Sprint 1: Mutual; Sprint 2: 401k, etc.) Be sure to comment which one you like the best out of each set of two! Criteria for the best article is completely up to you, but you can use these factors as a guide: 1) post of your favorite blogger, 2) most interesting post, 3) most thought-provoking post, 4) most unique post, or 5) most actionable post.Here is today’s competitions:


Voting will continue until July 26th for this Stage!




Intermediate Sprint # 1



  • Should You Charge Your Boomerang Kids Rent? (Boomerang): It’s no longer a given that kids will move out on their own when college ends. In fact, there’s a term for this group – Boomerang Kids. Should you charge rent to these boomerang kids?






  • Money For All Seasons I: Income, Spending, and Age (Seasons): Using the four seasons – spring, summer, autumn and winter – as a metaphor for the four different stages in our lives, I have set out some age related expectations regarding income, expenditure, investments and cash-flow. It is a common sense way to illustrate how our financial situation today carries into our future and that it is never late to change one’s financial trajectory.




Tour de France Daily Recap



Today is also the last Stage for the riders in the 2012 Tour de France, with the riders traveling 120 km from  Rambouillet to the Champs-Elysees in Paris.
Barring a major accident out on the open road, the Brit, Bradley Wiggins, will end the day as the overall winner of the 2012 race.


Wiggins took the race lead by doing a consistent ride throughout the high mountain stages and then throwing down the gauntlet with two STELLAR individual time trials to take the yellow jersey over his main rivals! The second place rider in the race is over 3 minutes behind him overall and is his own teamate! Cadel Evans, the pre-race favorite, finishes almost 15 minutes down! Quite a collapse!

George Hincapie looks set to finish his 18th ever Tour de France, which I believe is a world record for most Tour finishes. Peter Sagan has pretty much clinched the green jersey competition, and Thomas Voeckler is ten points ahead of his nearest rival in the King of the Mountains competitions. So, those jerseys are pretty much wrapped up, and there shouldn’t be too many surprises on today’s Stage.

***Photo courtesy of


  1. Boomerang

  2. Seasons

  3. How exciting – I have never been in a final before.

    Will have to be Seasons 🙂 and the charity I favour is the Alzheimer's society.

  4. Seasons

  5. Seasons

  6. Seasons for me please – well written and readable

  7. Victoria says:


  8. LIndsay says:


  9. Sparkle says:


  10. Allegra says:

    Seasons as well.

  11. Michael says:


  12. RosemaryD says:

    seasons for me also

  13. freefrombroke says:


    Oh man, this is exciting! Thanks for the hard work in putting this together.

    I'd also like to add that you can put my prize money towards charity.
    My recent post TrueEarnings Credit Card from Costco and American Express – Review

  14. Boomerang
    My recent post It’s About the Experience: Spending Money on The Dark Knight Rises on Opening Day

  15. Boomerang
    My recent post Weekend Reading: Blog Update Edition

  16. Seasons

  17. boomerang
    My recent post What Other Bloggers Are Saying #23

  18. Boomerang
    My recent post Do You Really Want that Payment Taken from Your Checking Account?

  19. oceanspirit says:


  20. NorthernLas says:


  21. krantcents says:

    Seasons for me too!
    My recent post Friday Night Links: Series Edition

  22. Seasons

  23. Seasons… good luck!
    My recent post Random Thoughts, Round Up and Carnivals #13

  24. starjumper says:


  25. Seasons – an exceptional piece
    My recent post A Compilation of 200 Google Signals that Determine Search Results

  26. Seasons – Some times you read something and it just makes sense – That's what the season's article does.

  27. Melissa says:


  28. Boomerang
    My recent post How Better Health Saves You Money

  29. TDQ Karen says:

    Seasons for me too – can totally understand the thinking

  30. Julie @ Freedom 48 says:

    My recent post It’s Mortgage Renewal Time!

  31. Seasons – really made me think about where I am in my life and what my financial priorities should be!

  32. seasons all the way.

  33. Seasons

  34. Ken Faulkenberry says:

    My recent post What is Common Stock? Advantages and Risk

  35. I'm voting for seasons.
    My recent post Free Credit Reports for Life from Noddle

  36. Seasons!
    My recent post Skint Picks Six

  37. AverageJoe says:

    What a great championship. Both are great pieces. Seasons is my fav, though.
    My recent post 2 Guys & Your Money Episode #4: 365 Ways to Make Money & From Blog To Book with Kylie Ofiu

  38. Boomerang! Charge adult kids money to live at home. They've had a free ride their entire lives.

  39. Seasons for me too

  40. Voting for the championship is now closed. The winner is Seasons and is the Yellow Jersey of the competition! Thanks to everyone for voting and participating. The entire event has been very fun to host. I'll be doing a recap of the event in a few days which also features all of the prize winners and charity selected.
    My recent post What is Private Mortgage Insurance?

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