Don’t forget to send your submissions for the next Carnival of Personal Finance to Steve at In Cash Flow We Trust. Peruse past Carnivals and future Carnival hosts if you have some time and would like to browse more Personal Finance blogs.
Side note: Consumerism Commentary now uses “friendlier URLs” for posts. Old links will certainly continue to work, but the new addresses are better. You’ll just have to trust me on that.
Updated February 6, 2012 and originally published July 28, 2005. If you enjoyed this article, subscribe to the RSS feed or receive daily emails. Follow @flexo on Twitter and visit our Facebook page for more updates.







Luke Landes founded Consumerism Commentary in 2003 and has been building online communities since 1990. Luke, also known as Flexo, has contributed to PC World Magazine, US News, Forbes, and other publications. 



