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As featured in The Wall Street Journal, Money Magazine, and more!

2007

Retirement Income Rule of Thumb Debunked

by Luke Landes

To retire comfortably, you’ll need to have an income of 80 percent of your maximum pre-retirement income. That’s a common rule of thumb you hear trumpeted by financial planners. Unfortunately, it’s not accurate. It may give someone planning their retirement a basis for thinking about creating income during those years, whether from part-time work or income-producing ... Continue reading this article…

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79 Cards Offering 0% APR on Purchases, Balance Transfers, or Cash Advances

by Luke Landes

Editor’s Note: Thank you for your interest, these offers have expired and are no longer available. Any indented text is excerpted directly from the issuer’s marketing. Here is an update to an article I posted about four months ago. If you’re looking for 0 percent APR offers, here are 79 of them. Warning! Taking advantage of ... Continue reading this article…

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Weekly Blog Roundup II, Market Crash Edition

by Luke Landes

What would you do if the stock market crashed tomorrow? While you’re contemplating that, here are some more articles from Thanksgiving week to keep you reading about personal finance. How Do You Calculate Compound Growth (or Interest)? AllFinancialMatters loves tackling these mathematical questions. Here he answers with an Excel function and the underlying formulas. Personal ... Continue reading this article…

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Review: Navigating the Financial Blogosphere by Russell Bailyn

by Luke Landes

A little over a year ago, Russell Bailyn, an investment adviser who crossed the barrier into the blogosphere with his Financial Planning Weblog, contacted me to let me know he was beginning work on a book. As Russell and I were both music education majors in our respective undergraduate universities, I was eager to support ... Continue reading this article…

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Black Friday and CVS Savings

by Sasha

My “Black Friday” shopping started yesterday at 8 a.m. after I’d readied my 26-pound turkey (we had 22 people planned for Thanksgiving this year) for its 6-plus hours in the oven. Instead of crawling back to bed whilst the scent of roasting turkey filled the house, I had a mission in mind. Earlier in the ... Continue reading this article…

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Year-End Tax-Saving Move: Time Your Bonuses

by Luke Landes

Here in the United States, it’s Thanksgiving. I hope all readers are able to spend time with their family or friends. I’m still in California visiting my relatives and enjoying a relaxing vacation. Well, it’s relaxing in some sense. I’ve actually been working hard at moving some of my major websites, like pfblogs.org and the ... Continue reading this article…

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Year-End Tax-Saving Move: Tax Breaks for Saving

by Luke Landes

The government, when not encouraging spending to spur the immediate economy, encourages saving to keep the future economy on target. This encouragement comes in the form of tax breaks given for directing money away from consumerism today towards retirement (consumerism later). The first tax break you can get, and generally should get, is for a ... Continue reading this article…

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How to Turn $500 Into $7 The Hard Way

by J.D. Roth

This is a guest post from J.D. Roth, who writes about personal finance and related topics at Get Rich Slowly. Back in our young and foolish days, my wife and I bought a set of encyclopedias from a door-to-door salesman. This was in 1995, at the very cusp of the digital age. We had been ... Continue reading this article…

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ShareBuilder Acquired by ING Direct

by Luke Landes

I received this email last night, and it was news to me. I’ve had no problems dealing with ING Direct, nor have I had any problems dealing with ShareBuilder. I have accounts with both companies. For a while, ShareBuilder was offering significant bonuses to those who opened accounts, and ING Direct has always had their ... Continue reading this article…

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3 Things You Need to Know Before Giving to Charity

by Luke Landes
3 Things You Need to Know Before Giving to Charity

This is a guest post from Steve, who writes about finance and life at Brip Blap. As the holiday season approaches, calls for donating to charity begin to multiply. Americans donate over $240 billion per year to various charities, and that’s simply in terms of money; the contributions in goods and services add even more ... Continue reading this article…

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Reader Question: Credit Freeze Worthwhile?

by Luke Landes

TV Girl wrote into Consumerism Commentary (and a few other blogs, so I expect to see responses elsewhere) with the following question about credit freezes: I’ve been listening to Dave Ramsey talk on his radio show about freezing your credit report, but I haven’t heard much (if anything) about this issue in the pf blogosphere. ... Continue reading this article…

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Consumption Is Investment

by Luke Landes

This is a guest post from Mrs. Micah, who maintains the blog Mrs. Micah: Finance and Life, in which the author is starting to deal responsibly with her $100,000+ debt. Every purchase you make is an investment. Too often we think of our purchases as consumables. Some are, like food, but even those should be ... Continue reading this article…

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Weekly Blog Roundup II, $1 Headphones Edition

by Luke Landes

On my flight the other day, I was pleased to learn that Continental Airlines reduced the price of its somewhat proprietary headsets for use when watching movies during the flight from $5 to $1 a set. I wasn’t too interested in seeing the movie offered, Transformers, so I just continued with my pattern of listening ... Continue reading this article…

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Investigation: Russ Whitney Should Resign as CEO and Chairman

by Luke Landes

For those who follow real estate investing gurus, it might be interesting to note that Russ Whitney’s company, through an internal investigation, is calling for the founder’s resignation. Russ Whitney, the founder, chief executive officer, and chairman of the Whitney Information Network has in the past aligned himself with Robert Kiyosaki (of Rich Dad, Poor ... Continue reading this article…

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Weekly Blog Roundup I, Blogging From the Airport Edition

by Luke Landes

I arrived early to the airport for my flight to California today. When checking into my full flight, I was able to switch seats and select the exit row. I’ll have a few more inches of leg room than I would have had, had I not been able to switch. There is WiFi here at ... Continue reading this article…

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More Education and Higher Incomes: More Likely to Have Had Music Education

by Luke Landes

Existence of music education in one’s curriculum is related to higher incomes and more education later in life, according to a new study by Harris Interactive. Three-quarters (75 percent) of American adults were involved in some type of music program while in school. Half (51 percent) were involved in chorus while 42 percent had some type of ... Continue reading this article…

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Credit Card Jacked Up Interest Rate: Cancel the Card?

by Luke Landes

Kimberly Lankford from Kiplinger recently handled a question from a reader. Capital One raised her interest rate from 9.9 percent to 15.9 percent on her account, and she’s wondering what her options are. You could decline the rate change and continue to pay off your balance at the old rate… Capital One would then close your account ... Continue reading this article…

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10 Easy Ways to Save Money Without Much Effort

by Luke Landes
Saving strategies for the real world

The holiday season is approaching, so I know I’ll be spending more money. I have even begun planning a vacation, and I want to make sure I can afford it. Additionally, I am projecting that my side business will make less money in the future and not allow for the career transition from full-time cube ... Continue reading this article…

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Warren Buffett: Don’t Repeal the Estate Tax

by Luke Landes

If you are lucky enough to inherit (for example) $10 million in property or investments from deceased relatives, you are also lucky enough to pass a good portion of that to the government in the form of estate taxes. It is kind of a strange concept. Why should that money be taxed? It is simply ... Continue reading this article…

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A Car’s Resale Value: Does it Matter?

by Luke Landes

When I purchased my Honda Civic a few years ago, I chose this particular car because it was economical and reliable. I knew that Civics hold their value well, but I wasn’t planning on selling the car for many years. Kelley Blue Book recently announced their awards for best resale value. If you need a ... Continue reading this article…

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