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May 11 Giveaway: $100 and Pay Off Debt App

by Luke Landes

Giveaway May has been wildly successful so far. Every weekday during this month, I’ve been giving away gift cards and other prizes, and this is going to continue until the end of May. Yesterday’s Kindle was a popular item, but I’ll continue offering valuable prizes every day, including some surprises to come. Today’s giveaway is ... Continue reading this article…

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Ally Bank in Talks to Buy ING Direct

by Luke Landes

Update: Capital One has purchased ING Direct. A little less than eighteen months ago, I mentioned that ING Direct was scheduled to be sold off. The online bank’s parent company, ING Group, received taxpayer assistance. The plan is for ING Group to sell ING Direct USA to pay back the European Commission. The New York ... Continue reading this article…

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Budget Categories Based on Maslow’s Hierarchy of Needs

by Luke Landes

When I started my first real budget as an adult, the concept was not difficult. I knew I had to track my spending and keep myself from paying more than necessary for expenses I could control in order to fix my financial situation. To reverse the trend of increasing debt every month, I came up ... Continue reading this article…

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May 10: Win a Free Kindle With Wi-Fi

by Luke Landes

All this month is Giveaway May at Consumerism Commentary. Every day, I’ll be choosing one winner randomly for a prize. Each day there is a small challenge in order to qualify for the giveaway, and today is no exception. Today I have a Kindle With Wi-Fi from Amazon.com to give away. This is the version ... Continue reading this article…

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Dollar-Cost Averaging Vs. Lump Sum Investing

by Luke Landes

It’s widely popular in the financial media to encourage the strategy of dollar-cost averaging (DCA) when investing. It’s a simple strategy that calls for investing the same dollar amount at regular intervals. When you assume that stocks or other investments at lower prices are bargains, dollar-cost averaging allows you to buy more of an investment ... Continue reading this article…

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Second Week of Giveaways: Two $50 Amazon Gift Cards

by Luke Landes

Today starts the second week of giveaways at Consumerism Commentary. This month is Giveaway May, and I have at least $50 to give away to readers every weekday this month. Today’s giveaway partner is Wealth Informatics. Suba, the owner of Wealth Informatics, is offering a $50 Amazon.com Gift Card to match my $50 Amazon.com Gift ... Continue reading this article…

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Ebates Review

by Luke Landes

There is more to maximizing cash back than just using the right rewards credit cards. Many card issuers also offer marketplaces or online shopping portals where, if you use your appropriately branded credit card, you can earn 1 percent to 7 percent cash back or more. That’s in addition to the 1 percent to 5 percent cash back credit ... Continue reading this article…

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Podcast 107: Building a Better Budget

by Luke Landes

Today’s guest on the Consumerism Commentary Podcast is J.D. Roth, author of Your Money: The Missing Manual and the personal finance blog Get Rich Slowly. A few weeks ago, J.D. gave a presentation at an Oregon public library about building and maintaining a budget that works. He adapted the presentation into an article. Today, J.D., ... Continue reading this article…

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American Express Gold Card Review

by Luke Landes

Editor’s Note: Thank you for your interest, this offer expired and is no longer available. While the credit card market continues to change due to new regulations, American Express and its line of charge cards have not. For decades, American Express has offered three different charge cards, each well known because of their color. Whether ... Continue reading this article…

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Ordering a Replacement Credit Card Due to Magnetic Stripe

by Luke Landes

When the magnetic stripe on the back of your credit card stops being effective more than two years before the card’s expiration date, you may take this as indication that you swipe the credit card fairly often. Maybe this is a frequent occurrence, but this is the first time this has happened to me. Over ... Continue reading this article…

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