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avatar You are viewing an archive of articles by Luke Landes. Luke Landes, also known as Flexo, is the founder of Consumerism Commentary. He has been blogging and writing for the internet since 1995 and has been building online communities since 1991. Find out more about him and follow Luke Landes on Twitter. View 's Google Profile.

Luke Landes

Baseball Statistics for Player Salaries

by Luke Landes

If you love baseball, you might also love statistics. I suppose analyzing players’ performance numbers gives spectators something to do during long at-bats. Very few other sports engage fans by providing scorecards, and learning how to score a game is like learning a language or a code. I enjoy baseball, as much as a Mets ... Continue reading this article…

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The Adoption Tax Credit

by Luke Landes

For the first time ever, the adoption tax credit is refundable. This is a great change for parents who have adopted children in the past few years, because it means they could file their 2010 taxes and receive a bigger-than-expected refund. Keep in mind that refundable is a good thing when it comes to taxes; ... Continue reading this article…

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PenFed Credit Cards Review

by Luke Landes

Even though you’ve probably seen hundreds of commercials for Discover, Citibank, Chase, Capital One, Bank of America and American Express, the best credit card issuer continues to be Pentagon Federal Credit Union, and their line of six — only six — credit cards, three of which we list below. PenFed is a credit union designed ... Continue reading this article…

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Pay Off Car Loan or 0% APR Credit Card First?

by Luke Landes

I always like questions about debt pay-off strategies because they’re partly about math and partly about psychology. The numbers are very important, and debt payoff strategies should not be planned or implemented without a good understanding of the long-term financial consequences. There are some cases where, from a personal perspective, it makes sense to formulate ... Continue reading this article…

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Are We in the Next Tech Bubble?

by Luke Landes

Paul La Monica shares my concern that today’s market is reminiscent of the dot-com bubble of 1999. The bubble, if it exists, would be evident in higher than expected valuations for private companies like Facebook ($75 billion) and Groupon ($25 billion), not to mention Huffington Post’s recent sale to AOL for $315 million. In his ... Continue reading this article…

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Marriott Rewards Credit Card Review

by Luke Landes

The small percentage of people who optimize their credit card rewards require using specific credit cards for specific types of purchases. Maximizing these rewards requires willpower, and possibly at least ten different cards. One travel rewards card would be used to book flights and pay for other travel expenses, one gas rewards card would be ... Continue reading this article…

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Gold and Silver Officially Currency in Utah

by Luke Landes

There’s good news for currency purists in Utah. If a shopper is so inclined, she could use gold and silver coins to make purchases. Technically, that has always been the case, but now there is a law on the books that makes it clear. There is a slight problem with this idea, however. The legal ... Continue reading this article…

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Working With a Financial Adviser: Demystifying Certifications

by Luke Landes

This is a series on finding, selecting, and working with financial advisers or planners. Recently, I evaluated the types of financial professionals to help readers start on the right track. This article looks at the varied professional designations and certifications. With a number of organizations granting different types of financial certifications, it’s easy to get ... Continue reading this article…

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Charles Schwab Acquiring OptionsXpress

by Luke Landes

I’m not surprised that smaller trading firms attract the attention of the larger brokerages and banks. ING Direct acquired ShareBuilder (see my ShareBuilder review) in 2007. Today, OptionsXpress (see my OptionsXpress review) has announced that it will be acquired by Charles Schwab for $1 billion. OptionsXpress is one of the best discount brokerages, offering low ... Continue reading this article…

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How Much is True Love Worth?

by Luke Landes

Matchmaking is a big business, particularly when the matchmaking services are geared towards the wealthy. With these services, women join for free, and men pay hefty fees to be matched with these women. This is a one-sided arrangement, but it is based on the demographics of the clientele; for the most part, the dynamics follow ... Continue reading this article…

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