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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

People Fail at Financial New Year’s Resolutions

by Luke Landes

As the end of the year draws near, it’s a widespread custom for individuals to make internal promises, and call these promises “New Year’s resolutions.” The end of the year is a good time to look back on the past twelve months and determine what aspects of life did not live up to expectations and ... Continue reading this article…

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Ignore the Inflation Rate

by Luke Landes

Forget what the government tells you about the inflation rate, known to economists as the CPI. The CPI may come into play when dealing with economical issues, but don’t expect your real expenses to increase at a rate nearly as low as the rate quoted by officials. First of all, the CPI doesn’t include food ... Continue reading this article…

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Bonus Offers for American Express Credit Cards

by Luke Landes

For anyone looking to apply for a new credit card there are a few offers from American Express with sign-up bonuses. American Express® Premier Rewards Gold Card The American Express Premier Rewards Gold Card is offering 25,000 Membership Rewards® Points after you spend $2,000 in your first 3 months of Card Membership. Other card features ... Continue reading this article…

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2008 Roth IRA: Lump Sum or Dollar Cost Average?

by Luke Landes

The last contribution to my 2007 Roth IRA was invested last Monday. Ever since my first Roth IRA several years ago, I’ve been maximizing the contribution each year by automatically investing equal amounts twice each month. One reason for using that technique, usually known as “dollar cost averaging” was to reduce risk. With the market ... Continue reading this article…

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Weekend Roundup: Met My Charity Goal

by Luke Landes

In October, I mentioned that time was running out for achieving the goals I set for charitable giving. Last year, I set a goal to give $1,000 or $2,000 to charity in 2007. I was having some trouble choosing the organization to which I’d contribute, and ended up sending support to a few programs identified ... Continue reading this article…

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Presidential Bank Lowers Rates on Savings and Checking

by Luke Landes

Another day, another interest rate change. Consumerism Commentary reader Brian wrote in to let us know that Presidential Bank lowered its interest offered on the savings account to 4.4 percent APY and 3.5 percent APY on the checking account.

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The New Quicken Online: A New Direction for Money Management Software

by Luke Landes

The other day, I participated in a preview of the new Quicken Online product, scheduled to launch on January 8. This new product is intended to compete with some of the existing money management web tools currently existing, like Mint, reviewed by Sasha here, Geezeo, and Wesabe. Intuit has spotted a need for a more ... Continue reading this article…

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Consumerism Commentary Honored in BESPy Awards

by Luke Landes

Andrew Horowitz is the author of The Disciplined Investor and creator of the podcast that accompanies the book. He has also created the annual “BESPy” awards, to celebrate blogs, education, sofware/sites, and podcasts focusing on personal finance and investing. Andrew’s latest podcast announces the winners of the first BESPy awards. Consumerism Commentary was presented with ... Continue reading this article…

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HSBC Direct is the Next to Drop Rates

by Luke Landes

The massacre continues with HSBC Direct, the latest high yield savings account to drop its interest rate. The new yield is 4.25 percent APY, and I’ve updated the list of the best interest rates.

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Teaching Children Practical Money Lessons: Entrepreneurship

by Luke Landes

It’s important to impart a financial education to younger generations, just like the Rogersons who are teaching their children about investing. When you invest, you are relying on other companies before you can make any money. The companies in which you invest must perform well and brokerages must stand between those companies, their profits, and ... Continue reading this article…

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