Tour de Personal Finance, Stage 12, Round 3 – Posts 1-16

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Tour de Personal Finance, Stage 12, Round 3

Without further ado, let’s continue on with the 12th Stage (the first Stage of the 3rd Round of competition!) 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

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 (or that has happened since the previous Stage of) the competition.


You can vote for the two articles (one from each intermediate sprint) you’d like to see proceed in 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 are today’s competitions (Sprints 3 and 4 of Stage 12 will go live later today, so be sure to cast your vote for that as well!):

Voting will continue until July 15th for this Stage!


  • Pay Off Mortgage Early or Invest– The Complete Guide (Mortgage): Should I pay off my mortgage early or invest? Forget the dangerous half-truths and over-simplified conventional wisdom about getting out of debt. Instead, learn the many dimensions to paying off your mortgage early in this complete guide so you can make a smart financial decision that perfectly fits your personal situation.

    • How to Retire Early (Retire): Here are the core principles and action items that can help you become financially successful, and retire sooner. I know, because I became financially independent and retired at age 50. I found that financial success is made up of one part family support, one part career choices, one part money management, and one part personal habits and attitudes. It’s not a quick or easy process, but there are definitely things you can do to accelerate your progress….”


    • How to Be a Conservative Investor (Investor): In a volatile stock market, people are always looking for ways to protect their money. Unfortunately, that often means getting too conservative and letting it sit in the bank earning little or no interest. Instead, I’ll show you how to be a true conservative investor and make real money, safely, in even a difficult economy.  
    • 7 Financial Advisors I Would Like to Punch in the Face (Punch): There are plenty of financial advisors in my industry that give financial planning a bad name (Madoff anyone?),  and unfortunately they’re everywhere. I’ve been in the business for almost 10 years, and I’ve had countless run-ins with these types of advisors and despite my laid back personality, I would like nothing more than to punch them in the face, seriouslyHere are some financial advisor horror stories that other clients have shared with me, the lessons learned, and let’s just see if you would want to pull a Rocky Balboa on their face, too. 


      Today’s stage in the Tour de France (Stage 12) is a medium-mountains stage taking the riders 226 km from Saint-Jean-de-Maurienne – Annonay DavézieuxThe stage is going on right now, so I’ll be sure to bring an update on the result when the 3rd and 4th intermediate sprints go live later today. 

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