Personal finance highlights from around the Web:

1. Although I'm technically not self-employed these days, I'm pretty much my own boss and have done self-employment in the past. I highly recommend it, and here's another article that might motivate you to go down the same path.

2. David Bach offers some tips for new graduates who hope to make some money and live a happy life. A few platitudes, but the thoughts on taking risks and traveling when young are right on the mark in my book.

3. While Bach tells kids to take some risks, Terry Savage tells them to get some short-term health insurance, because they probably just graduated off of their parents' policies.

4. Asa Aarons with the story of an immigrant getting poor financial advice on using credit cards.

5. Who doesn't love a quiz? NPR offers one that Judge John Hargrove gives students to understand credit scores.

6. Good tips from the Motley Fool on using reward points and other travel deals to slice the cost of your vacation.

7. If you've gone down the timeshare path and now regret it, here's an article with some options for you.

8. Katie wonders if referring to her boss as her "owner" means it's time for a change.

9. For true personal finance geeks, Make Love, Not Debt offers personal finance haiku as part of the Carnival of Debt Reduction.

10. Finally, and this has nothing to offer you in the way of improving your economic future, Chrees notes the Due Diligence Ball thrown by public company Rick's Cabaret--where Wall Street analysts analyze via lap dances.