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I'm honored to host this week's Carnival of Money Pros (brought to you to by the Money Pros Team)! If you'd like to submit an article for an upcoming edition, do it here- Blogger Carnivals.

Now, get to reading...

SB @ One Cent at a Time writes 15 Ways you Can be Scammed via Craigslist - 100's of people are getting scammed on on Craigslist every day. This article talks about typical Craigslist scams and how to detect a scam. Protect yourself from being scammed on Craigslist.

Suba @ Wealth Informatics writes Early retirement strategy on one income : Can we still retire early with our income cut in half? - We want to retire by 40. The goal just got more challenging with me quitting my job, thus cutting our household income in half. Is it still possible for us to achieve this dream?

Dividend Growth Investor @ Dividend Growth Investor writes How to avoid being a dividend loser - Dividend losers focus on excuses that prevent them from achieving their goals of financial freedom. Dividend Winners on the other hand, focus on creating specific goals, and the steps to make them a reality.

Sani @ Well Kept Wallet writes 5 Tips for Living a Fun College Lifestyle and Staying out of Debt - Creatively managing resources is essential if you want to have more fun with shopping, socializing, and enjoying down time. Just as time management is a huge factor, so is budgeting the bill! You need to juggle resources to pay for the cost of living, books, student loans, and still have money left to kick back and rejuvenate doing something fun.

Andrew @ Student Finance Australia writes Save Mooney by Buying Clothes online - A blog about how you can save money by buying your clothes online.

SFB @ Simple Finance Blog writes Why I May Finally Buy A Smartphone - I am the last holdout. A few months ago, I explained why I’ve remained loyal to my old, outdated flip phone. Although more than half of all cell phones in use in the U.S.

Kyle @ The Penny Hoarder writes 5 Tips for Becoming a Landlord - Becoming a landlord can be a great experience, but challenging at times. You do your best diligence possible, but the inevitable will arise. Here are some tips from one landlord to another to help you become successful. 1.

BARBARA FRIEDBERG @ Barbara Friedberg Personal Finance writes HOW TO RENT AN APARTMENT - Before you rent an apartment, improve your credit, perpare your rental and job history. Look professional.

Your Boss @ What Your Boss Really Thinks writes Unsent Letters To My Employees: Four Months of Nothingness - Step-by-step outline on how to deal with difficult employees.

Jamie @ Financial Footsteps writes The Kindle Won't Save You Money - The Kindle won't save you very much money. See what it will save you!

Tim @ Fortune Fanatic writes Buying a Retirement Home - My parents are buying a retirement home. Here's what they are looking for a in a home to retire in.

Weasel @ Wealthy Weasel writes Why All Car Insurance Companies Can Save You Money - All car insurance companies can save you money. See why you should check your car insurance rates frequently.

TDB @ Tax Deduction Blog writes Should You Do Your Taxes Or Go With An Accountant? - When it is that time of the year when taxes have to be done, many are struck with a tough decision to be made every year, on how to go about getting them done. Should they do their taxes by themselves or should they consult an accountant? The answer depends on the situation of an...

Maria @ The Money Principle writes Billing guidance tips can help your business cut on energy costs - This article offers tips that can help you cut on energy costs; in your business and in your home.

krantcents @ KrantCents writes All You Need to Know about Bank Account Fees - Most people manage to go through life, managing their money, without racking up any bank account fees. However, it is very easy to incur fees on your current account, simply because you don't know the kinds of transactions and other things that banks charge for.

Evan @ My Journey to Millions writes Would You Buy Your Life Insurance at Walmart? - Bloomberg reported earlier this month that MetLife, the largest life insurer in America, is going to be selling prepaid life insurance on the shelves of Walmart. The article explains the transaction and prices pretty simply:

Daniel @ Sweating the Big Stuff writes Which is Worse: Feeling Guilty About a Spending or Regretting Missing Out On An Experience? - Have you ever had all your friends talk about that one epic night they went out and you missed it? What would you pay in retrospect to have been there?

Rich @ Growing Money Smart writes What is Dollar Cost Averaging? - Dollar Cost Averaging is an investment strategy where you are investing static amounts of chunks of money spread out over time (instead of a lump sum purchase) in a given investment.

Jon the Saver @ Free Money Wisdom writes 5 Inexpensive Ways to Amass Your Own Personal Library - Check out these five ways anyone can start collecting and creating their own library. It's easier than you think!

Crystal @ Budgeting in the Fun Stuff writes Flexibility - The Key to a Working Budget - Sometimes the key to making a budget work is to play with the numbers a bit.

Corey @ Steadfast Finances writes Families Risk Tricks to Save Money on Treats - Some families are not handing out candy for Halloween as a way to save money. Find out why.

TRL @ The Retired Landlord writes How to Build Wealth Fast - Why the Rich Get Richer - Want to get ahead? Find out how the rich use their wealth to their advantage and how you can work your way up the economic ladder.

PPlan @ Provident Plan writes When should you close a credit card? - Getting rid of a credit card affects more than just your credit limit. Find out what it means for your finances.

Tushar @ Finance TUBE writes Taxes 101: 12 Different Taxes That Americans Pay - Today we will talk about 12 Different Taxes That Americans Pay. When we think of taxes people usually think about federal income taxes. It is because federal and state taxes some American looses 35 percent of their pay check to the income taxes.

Hank @ Money Q&A writes How To Start Building Your First Emergency Fund - Having a $1,000 emergency fund in place before you start to tackle your debt will help you from having to go back to your credit cards for a bailout. When a true emergency comes up, you should have a buffer of cash.

Michelle @ The Shop My Closet Project writes A blizzard starts with one little snowflake - This month I was able to find an extra $200 that I would have normally frittered away on random stuff.SavingAdvice.com and Blogging Away Debt are currently doing a Snowflake debt reduction giveaway. The idea is to get their readers fired up and thinking about all of the ways they can add to their debt repayment plan.

A Blinkin @ Funancials writes What Types of Insurance Should a Small Business Owner Consider? - Key Man Insurance, Worker’s Compensation, Data Breach Insurance, Professional Indemnity Insurance

Little House @ Little House in the Valley writes Prepare Your Home for Winter Infographic - For those who must burn the midnight oil (quite literally), here’s an infographic that explains winterizing preparations:

Mr. Money @ Smart on Money writes 4 Savvy Tips for Better Organizing Your Financial Life - If you are ready to take charge of your financial life, streamlining it for better effect, here are 4 actions you can take:

Jason @ Work Save Live writes Short on Cash and Bills are Due...What Do You Do? - There’s only a Few Options When You’re Short on Cash and the Bills are Due It's one of the worst possible situations in personal finance - the bills are due and you're short on cash this month. You're probably scared, frustrated, and running out of options.

Peter @ Bible Money Matters writes The Three Fund Portfolio: A Simple Diversified Investing Strategy - If you want to have a simple, low cost investing strategy, there are other options. Some of them can be more cost effective as well. For example, what I’m going to talk about today, the three-fund portfolio. It’s a theory where you invest in the fundamental asset classes, stocks and bonds, and usually do so in total stock market index funds and bond funds.

SBB @ Simple Budget Blog writes How to Create a Budget - Want to create a budget? Find out how to do it. It's not as hard as you may think.

Ted Jenkin @ Your Smart Money Moves writes Can My 401(k) Buy A Subway? - Ask any business owner what it is like to get a loan from a bank today and you'll quickly find out that unless you are willing to give your right arm and left

Robert @ My Multiple Incomes writes Focus on Your "Oldies, But Goodies" - Now that you’ve found your top content, you can look for ways to make it work even harder for you. With these “Oldies, But Goodies”, the hard work is already done. They probably rank high in search, provide value to the reader, and are all around good posts. But are they working hard for you? Or did you just work hard to create them? Here are some of my strategies for making these posts work hard for me:

Robert @ Entrepreneurship & Life writes Managing a Business on Vacation - I recently took a 10 day trip out of the country and had almost no email and internet access. Just because I was gone, however, doesn’t mean business took a break. Here are some tips on running your business while out of town.

Robert @ The College Investor writes Forget Mint for Money Management, Check Out Personal Capital - In my continued quest to move my finances to the cloud, I’ve found a free tool that really nails everything Mint does, PLUS investments. It’s called Personal Capital. And I’ve been using it for about a month now and LOVE it.

Drew @ Objective Wealth writes Think BIG About Money - Drew from Objective Wealth cuts the apron strings and reverses his mother's well know and used money mantra in order to start thinking BIG about money.

Ryan @ Early Retirement Investments writes Buy Real Estate or Invest in Real Estate? - Should you buy real estate or invest in real estate? Read my take on the options.

Passive Income Earner @ The Passive Income Earner writes Shorting Mortgage Lenders - I was reading an article in Canadian Business about shorting mortgage lenders (the alternate lenders to be more specific). What I find the most interesting is how speculative mortgage interest and housing markets are. For the past 6 years, we’ve heard about a bubble crashing and yet no crash has happened yet. Many comparisons are made with the U.S.

IMB @ Investing Money writes How To Start Investing - Find out how you can start investing without knowing anything about investing.

JP @ My Family Finances writes How to Make a Bad Financial Situation Worse for Your Family - If you are in a difficult financial situation, these behaviors will make a bad situation worse.

Daisy @ Add Vodka writes 5 Things to Look for In a Leader - Leadership. People in all areas use this word as if it were one of the most valuable traits a person can have. But what makes a good leader? You can't be born with leadership.

Beating Broke @ Beating Broke writes Money Management Tips for the College Student and Their Parents - Hopefully the tips below will provide both students and parents with a few ways to make college expenses slightly more manageable.

Jester @ The Ultimate Juggle writes My New Frivolous Seasonal Expense... Starbucks Pumpkin Spice Grande Latte - My latest spending vice is pumpkin spice lattes. I'm struggling to get this cost under control, but I think I have it now!

Amanda L Grossman @ Frugal Confessions writes When Numbers Lie: Vanity Metrics in Clothing and Finances - I am going to be unlike the stereotype and share with you the history of my waist size. Throughout high school I was a solid zero.

PITR @ Passive Income To Retire writes Optimizing Your Cash Flow - Find the best way to reinvest your passive income earnings. It's important to keep your money working to generate more income.

Wayne @ Young Family Finance writes Is Buying a New Car Worth The Higher Costs? - Getting a new car may feel nice, but is it worth the higher cost? Find out now!

Bill @ Budgets Are Awesome writes Store Loyalty: Good or Bad? - Does store loyalty really help the consumer? I share my opinion on store loyalty programs and whether or not the savings are worth your participation.

Jennifer Lynn @ Broke-Ass Mommy writes Discover Card Flogged Me with a Gold Angel - Read how my gold Angel is a good item to spend credit card money on!

Jen @ Master the Art of Saving writes Gaming budget-a clever idea to eliminate stupid mistakes - There's nothing more frustrating that blowing a whole lot of cash at an online casino because you were impatient, or didn't want to take the time to set yourself a budget and play within …

CAPI @ Creating a Passive Income writes 5 Ideas for Online Passive Income Success - These online ideas will only supplement your main income source, but if you work hard enough, they can generate a decent amount of money.

Jon Rhodes @ Affiliate Marketing Help writes Saving Money by Making a Game of Shopping - This post shows you creative ways to save money on food.

Eddie @ Finance Fox writes Going on Vacation When in Debt? - Should you should go on a vacation when you are in debt? A question that we will answer at Finance Fox.

ETZ25 @ Entertainment Timez writes Why Establish A Dividend Money Stream For Entertainment? - This article explains why a dividend money stream for entertainment is good especially for kids and young adults, and even older adults.

Wealth Effect Blogger @ www.YourWealthEffect.com writes Are Low Interest Rates Essentially Just a Tax on the Wealthy? - Comparing how low interest rates have impacted both savers and borrower.

Sustainable PF @ Sustainable Personal Finance writes Using A Midwife - One Year Later - Part 1: - An update 1 year after using a midwife for the delivery of our son.

Sam @ Money Management Blog writes Don't Pay Mutual Fund Load Fees - Mutual fund load fees make brokers rich and their investors poorer. Learn how to avoid load fees when you buy funds.

Shawanda @ You Have More Than You Think writes How to Kick the Sh*t Out of Your Finances - If you're new here, you may want to subscribe to my RSS feed or e-mail.

Infinite Banker @ Becoming Your Own Bank writes Dividend Paying Whole Life Insurance - Dividend paying whole life insurance is a whole life insurance policy that has cash value and pays dividends. These policies have many tax advantages, liquidity, growth, opportunity, and other advantages that many are unaware of.

Ashley @ Money Talks Coaching writes The 4 Types of Items You Must Have in Your Budget - When you are making a budget there are 4 types of items you must include.

Luke @ Learn Bonds writes Callable Bonds - What They are and How They Work - In this article we give the definition callable bonds, the different types of call options, and differences between callable corporate and municipal bonds.

Holly @ Club Thrifty writes What I Want My Kids to Know About Money - My mom taught me many things as a child about making good financial decisions. They've stuck with me. Although my kids are young, I hope to do the same.

krantcents @ KrantCents writes How Is Chess like Life? - Chess is a two player board game played by millions of people at home, in clubs, online and tournaments. Chess strategy consists of setting and achieving long term positioning advantages while tactics concentrate on immediate maneuvers during a game.

Miss T. @ Prairie Eco Thrifter writes 5 Financial Mistakes Married Couples Should Avoid - Here are five mistakes that married couples make when dealing with financial matters.

MR @ Money Reasons writes My Portfolio Checkup Challenge - Portfolio Fee Creep - Is portfolio fee creep eating away at your portfolio profits and you don't even realize it? Perhaps it's time to calculate the bite your fees are biting?

Jason @ Live Real Now writes Car Dilemma - We have 2 drivers in the house and 3 vehicles to drive, and the highest insurance premium is on the vehicle getting driven the least. We haven’t decided what we are going to do, yet.

Young @ Young And Thrifty writes Why Is There No Competition For the TD E-Series? - Unlike my pal Young and several of my other favorite financial bloggers, I am a 100% advocate of passive investing. Its much easier then trying to guess!

Teacher Man @ My University Money writes Why Is The Canadian Student Loans Program Insane? - One of the closest friends has recently been put through the ringer by the Canadian Student Loans Centre, and although this is far from the only saga of incompetence I have heard in relation to that bureaucratic boondoggle this one takes the cake.

Tushar @ Start Investing Money writes A Comparison Between Lending Club and Prosper: Peer to Peer Lending - If you've been reading our blog in recent weeks you'll know we've covered peer to peer lending and two services in particular: Lending Club and Prosper.

Roger the Amateur Financier @ The Amateur Financier writes Financially Preparing for a New Baby - A guide to some of the financial considerations you need to make as you are trying to prepare for your new baby financially, by getting your money in order.

Don @ MoneySmartGuides writes The Myth of Diversification - Discover the myth about diversification and my take on it.

Invest It Wisely @ Invest It Wisely writes The 6 Most Common Financial Mistakes People Make - It’s often said that the good thing about making mistakes is the lessons you learn from them. But what if you don’t know what you’re doing is a mistake?

Corey @ 20s Finances writes How Does the Stock Market Work? - The stock market plays a part in everyone’s daily lives, yet Wall Street is still one of the most mystifying places on planet earth.

Suba @ Broke Professionals writes Professional Profiles: John, the Late-in-Life Med Student - Forget that John is my ex - instead consider that he's about to take a monumental career leap, leaving his long-time desk job to become a med student.

Debt Guru @ Debt Free Blog writes Balancing Debt Payoff and Living Life - If you are trying to pay off your debt, you will learn to balance debt payoff and enjoying life in the present.

Mike @ Personal Finance Journey writes UK Credit Rating and how it is affected by your Electoral Roll - A great tip on obtaining a good credit rating in the UK and how to start early on this process. Additionally some good resources to look at your UK credit rating.

John @ Married (with Debt) writes Is it Time to Buy or Sell Silver and Gold Bullion? - Last year I was buying and selling small amounts of silver and gold each month, but put that on hold after a large price drop in silver convinced me to focus every dollar on paying off debt.

Ken Faulkenberry @ Arbor Investment Planner writes Why Tactical Asset Allocation is Changing the Investment World - Tactical asset allocation is an active strategy that includes continual management of risk through portfolio rebalancing to a flexible asset allocation target based on value.

Ken Faulkenberry @ Arbor Investment Planner writes Why Tactical Asset Allocation is Changing the Investment World - Tactical asset allocation is an active strategy that includes continual management of risk through portfolio rebalancing to a flexible asset allocation target based on value.

Sean @ One Smart Dollar writes The Cost of Halloween Doesn't Need to be Scary - The average American will spend $80 this year on Halloween. This doesn't need to be the case if you find creative ways to cut down on the costs.

Sara @ Cultivating Wealth writes Is a High Deductible Health Plan for You? - It’s open enrollment season! You may have many benefits to choose from, but the one I get the most questions about is High Deductible Health Plans, or HDHPs.

Everything Finance @ Everything Finance Blog writes How to Pick Your Next Bank - The bottom line is to think about your entire picture before you decide who to bank with. Interest rates are fine but with rates this low, your time is far more valuable. Make sure you do business with a bank that offers great service, low fees and is convenient. Then worry about the interest rates they pay.

Michael @ Modest Money writes Why Is Talking About Money Hard? - When it comes to discussing issues revolving around money with parents or partners, the conversation can get awkward, or even aggressive, quickly. As a result, many people try to avoid bringing up money matters as much as possible. This is the wrong approach.

Grand Per Month @ Grand Per Month writes How to Make $1,000 per Month as a Web Designer - If you are good at coding and have a flair for creating websites, you have a great skill that few Americans possess. With more and more people starting websites and blogs who have little knowledge of designing a website, web designers are in demand. If you can prove yourself to a few customers, you will likely soon have more business than you can handle thanks to word of mouth referrals.

Jeff Rose @ Good Financial Cents writes How to Manage Money as a Couple - One of the most important tools of a successful relationship with your spouse is: Communication. You have to talk! Even more so when it pertains to money. A recent reader was interested in how my wife and I manage our finances. Great question!

Penny Thots @ Penny Thots writes Mortgage Rates Hit Historic Lows But Many Still Can't Refinance - Never before has a 30 year fixed mortgage been as low as it is right now. The current rate for a 30 year mortgage stands at 3.55% while a 15 year mortgage is 2.88%. With this record low, it’s a shame that so many are still not able to take advantage of this. Since housing prices appear to have bottomed out, rising a little more than 1% in July, many homeowners are still underwater.

Lazy Man @ Lazy Man and Money writes How Much Do I Need to Save for College? - Saving for College has a College Cost and Savings Calculator, which is dead simple. You just put in a child's age and it tells you a number that you need to save. I put in $0 just now and it came up with a $602 number that I have to save each month. From there, you can adjust the scenarios just like I could with my Excel spreadsheet.

Matt @ Living in Financial Excellence writes Moving on a Dime: Save Money on Your Relocation - We originally figured with less stuff to move, we would save on what we paid the movers. But after we cleaned a lot of things out of the house, we realized we didn’t have that much left to move. At that point, we started thinking it wouldn’t be so bad to move ourselves. Complete crazy talk, but we went there anyway.

Investor Junkie @ Investor Junkie writes Banned for Life from Bogleheads Forum - Based upon being banned from the Boglehead forum, their restrictive policies, and their lack of viewpoints against anything other than “The Boglehead way” it has inspired me to create a forum of my own.

Mich @ BeatingTheIndex writes Argent Energy Trust: Eagle Ford Shale Upside Beacons - Argent Energy Trust is the third member in the select cross border club of Canadian income trusts. It offers high yield & exposure to the Eagle Ford shale oil play in Texas.

Marie at Family Money Values @ Family Money Values writes Need a Loan? Make the Case to your Family Bank. - Bank like the wealthy folks do - in your own family bank. Help out family members while keeping the interest in your family's pockets.

J.P. @ Novel Investor writes 2013 IRA Contribution Limits Increased - The IRS has announced the inflation adjusted numbers for the 2013 IRA contribution limits. Most important was the bump in the maximum contribution.

Paul Vachon @ The Frugal Toad writes 10 Frugal Ways to Save on Food - According to the Bureau of Labor Statistics, food is the third largest monthly expenditure families have after housing and transportation. With a little planning, you can save on food costs by trying some of these easy tips.

Glen Craig @ Free From Broke writes Is the Curtain Finally Coming Down on the Payroll Tax Cut? - The Payroll Tax Cut provided many people with extra money in their paychecks. But it looks like the sun is setting on this temporary tax cut in 2013.

Glen @ Credit Card Smarts writes Miles by Discover Card – Review - The Miles by Discover Card offer up easy to understand rewards where you can easily rack up miles for your everyday card use. See details in our Miles by Discover review.

Gen Y @ Gen Y Finance Journey writes How I'm Living Paycheck to Paycheck (Sort Of) - If you've checked out my portfolio or my goals, you may be a bit confused by this title. Clearly I'm not living in credit card debt, struggling to make payments each month, and I would be able to continue paying my bills for a year if I lost my job tomorrow. So how am I even sort of living paycheck to paycheck? Because I've earmarked roughly 40% of my take home pay for savings, and every month, the day after pay day, that money disappears from my checking account and is automatically transferred

John S @ Frugal Rules writes What Earnings Season and the iPad Mini Have in Common - Most publicly traded companies announce their earnings four times a year, which is known as Earnings Season. If you know what to look for it can provide a wealth of information the health and direction of the company.

FMF @ Free Money Finance writes How Much Should I Save Toward Retirement If I'm Starting Late? - I often get comments like "It's too late for me to do this" or something similar. Granted, it's usually better to start financial efforts sooner rather than later. But it's better to start now rather than put it off any longer. And while you'll need to make sacrifices if you start late, it's not hopeless.

Carrie @ PT Money Personal Finance writes Why Making More Money Is Crucial to Getting Out of Debt - Many people say you just need to cut back on spending in order to reduce debt, and while that works, the other option is to increase your income.

investeem @ Investeem writes Trading vs investing: What's the difference? - At the most basic level, both trading and investing involve an outlay of capital to make money grow. Stocks are bought and sold; profits are made or losses incurred. From similar starting points, the paths of trading and investing diverge in distinct patterns.

Jefferson @ See Debt Run writes Shortcuts to Financial Freedom - Paying off debt can seem long and boring, but there are no realistic shortcuts to financial freedom. It takes patience, and any get rich quick schemes, are just schemes.

Steven @ Grocery Alerts writes Tips for saving money on your Halloween party - October is here and many people are planning halloween parties. Depending on the size of your crowd, your party could get costly. Here are a few ways to plan a spooktacular halloween party on a budget.

Dividend Growth Investor @ Dividend Growth Investor writes Dividends versus Homemade Dividends - Relying on dividends in retirement from your nest egg is a superior strategy to selling off portions of your portfolio each year.

An added Halloween bonus- learn how to make your own Cylon Jack-O-Lantern (like the one pictured above) from the Evil Mad Scientist!