When I returned from Peru, my inbox had nearly 1000 messages to be processed. That actually wasn’t so bad — I was expecting more. Still, as you might imagine, it takes days to answer 1000 messages, and I’ll be working on e-mail until Thanksgiving, I’m sure. (I’ve finished the easy emails and have the inbox down to 378 messages now.)

Some of the e-mail contained great stories and tips from GRS readers. You folks also sent me a ton of links to financial articles around the web. Today’s edition of Spare Change is devoted to these reader submissions.

Note: Speaking of reader submissions, we’re streamlining the process around here. April and I have divided the editorial workload. I’ll be handling my own articles (obviously) as well as all reader-generated content, which includes Ask the Readers and Reader Stories. April will process her own stories, as well as those from staff writers. I feel saner already! As a part of this, there will be new addresses for submissions — but they’re not quite ready yet.

First up, Kris sent me and amazing story from Business Insider. Ben Milne, who is only 28 years old, has built Dwolla, an online service for processing financial transactions without a credit card. Naturally, the credit card companies (who stand to lose tons of money) aren’t happy about it — but consumers should be.

Next, friend of GRS Mark Gavagan pointed to a New York Times story about how a financial pro lost his house. The article (which was written by another friend of GRS, Carl Richards from Behavior Gap), describes the author’s personal experience with the housing bubble — and what he learned from it. It’s a fascinating read.

Next, Jeff pointed to an article at The Startup Toolkit in which the author describes how his father taught him cashflow with a soda machine. Not every GRS reader wants to be an entrepreneur, but for those that do, this is a fun story.

Finally, my grade school chum Andrew forwarded a short, dense piece from The Economist about the concept of slow finance, the notion that investors should exercise caution and look for companies with sound financials instead of those that are taking risks to grow quickly. How novel! And yet it is…