Welcome to the 67th edition of the Carnival of Personal Finance and also welcome to Canadian Capitalist. It is amazing to see how big the Carnival has become: today’s edition features 53 entries!

Without further ado, here are the highlights:

Eight Warning Flags of Fraud: The Frugal Duchess provides eight tips for detecting investment frauds and scams in other areas as well.

FICO Scores Under Siege… Again! Frugal Wisdom warns that overdue library book fines and parking tickets can also hit you where it hurts most.

Comparing Job Offers: Part One: The Weight of Money advises that knowing the exact price of benefits really lets you see how the a position will or will not benefit you financially.

What do Mortgage Underwriters do? Pacesetter Mortgage Company Blog answers a reader question.

A year’s salary under the mattress? Matt Hutter has wise advice not only for new grads but also for everyone.

How Short Term Goals Make Long Term Results: eFIPO shows how saving just for twelve years, from age 18 to 30, can build such a big nest egg that when you are 30 you can start spending most of your future salary on things that you want, like a boat or a new car.

How Much is Needed to Be Wealthy – THE NUMBER: My Wealth Builder runs some calculations to find out how much he needs to retire.

Good Debt and Bad Debt: The Buck Stops Here discusses how to tell the difference between good and bad debt.