Tour de Personal Finance, Stage 5, Round 1 – Posts 33-36

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Without further ado, let’s continue on with the 5th Stage 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).

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 3-4 of Stage 5 will go live later this afternoon, so be sure to cast your votes for those articles as well!):

Voting will continue until July 8th for this Stage!


  • 10 Ways to be Rich Without Being Wealthy (Rich): Money is a tool, not an end goal. You only need as much as of it as will be necessary to have the quality of life that you want. That has less to do with a certain salary or portfolio level than we think. Here are 10 forms of “wealth” that can lead to a rich life and require very little emphasis on having or earning a lot of money.




    • The Value of Work (Work): You won’t get the same props (or paycheck) for vacuuming an apartment building as you would for performing open-heart surgery. But, that doesn’t mean a janitorial job is demeaning. It just means we don’t have the sense to appreciate it.
    • Taking Valuations Into Consideration When Setting Your Stock Allocation Reduces Risk by 80 Percent (Valuations): There’s lots of controversy today over whether Buy-and-Hold investing strategies really work for the long term or not. The one alternative with 30 years of academic research backing it up is Valuation-Informed Indexing. This article examines the data to show that stock investing risk virtually disappears for those investors who are willing to take valuations into consideration when setting their stock allocation.


      Today’s stage (Stage 6) in the Tour de France takes the riders 208 km through a flat stage from Épernay – Metz. The stage is going on right now, so I’ll be sure to include an update on the result of the race when the 3rd and 4th intermediate sprints go live later today. 

        ***Photo courtesy of


        1. Rich and Valuations
          My recent post Is It Possible to Get “Stuck” at a Low Stock Allocation as the Market Takes Off?

        2. Rich
          My recent post Money Blogging Roundup: Are You Growing Your Wealth?

        3. freefrombroke says:

          My recent post EverBank Online Yield Pledge Checking and Money Market Review

        4. Rich

        5. rich
          My recent post Self Directed Investing For Retirement Carnival – Justice John Roberts Edition

        6. Rich
          My recent post Pinterest Marketing For Ecommerce And Online Stores – The Ultimate Guide

        7. Rich
          My recent post Brokerage Review: Kapitall

        8. Rich
          My recent post Five Ways To Save Money At The Movie Theater This Summer

        9. Rob Bennett says:

          My recent post Academic Researcher Wade Pfau: “The Reason I Contacted Them [the Authors of the Trinity Study, an Old School Safe Withdrawal Rate Study) Was To List Some Concern I Had (Valuations, Fees, 30-Year Time-Period) About Whether the Results of Their Study Are Applicable for Recent Retirees. I DIdn’t Think the Trinity Study Is Helpful for Recent Retirees. Now, I Think Even More Strongly Than Before That the Trinity Study Is Not Helpful.”

        10. Voting for this Stage is now closed. The winners are Rich and Work and will advance to Round 2, starting in a few days time. Thanks to everyone for voting and participating!
          My recent post Tour de Personal Finance, Stage 8, Round 2 – Posts 9-16

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