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4 Types of Retirement: Which Will You Choose?

While every situation is different, there are only a few types of retirement for those of us in the working class. Before I get to the retirement concept, here's… Read more...

4 Types of Retirement: Which Will You Choose? 4 Types of Retirement: Which Will You Choose?

Can Tipping Change a Waiter’s Behavior?

A friend of mine once lamented publicly: "When did the standard restaurant tip change from 15 percent to 20?" Sure, I remember paying typically 15 percent for a… Read more...

Can Tipping Change a Waiter’s Behavior? Can Tipping Change a Waiter's Behavior?

Working From Home: A Benefit or a Distraction?

Marissa Mayer, the CEO of Yahoo, is looking to improve her company's performance. In a memo from the company's human resources department to all employees, Mayer… Read more...

Working From Home: A Benefit or a Distraction? Working From Home: A Benefit or a Distraction?

The Wrong Reason To Become An Entrepreneur

I don't have the statistics pertaining to this, but I have a strong impression that many people dream about starting their own business, and many who do have this… Read more...

The Wrong Reason To Become An Entrepreneur The Wrong Reason To Become An Entrepreneur

Credit Card Checkout Fees Are Here

I'm currently in California, visiting my mother, who as I mentioned in a previous article is in the hospital. While articles this week will likely be slow on Consumerism… Read more...

Credit Card Checkout Fees Are Here Credit Card Checkout Fees Are Here

A New #Cut4Bieber: Justin Bieber’s Prepaid Debit Card

There's apparently a celebrity of some sort called Justin Bieber. I don't know much about him, but I might have heard a song of his one time. He might have been… Read more...

A New #Cut4Bieber: Justin Bieber’s Prepaid Debit Card A New #Cut4Bieber: Justin Bieber's Prepaid Debit Card

LastDollar, April 2013 Net Worth

by Luke Landes
LastDollar-apr2013

Naked With Cash is the year-long series on Consumerism Commentary where seven readers’ households share their financial progress on a monthly basis. I’ve partnered with financial planners who will offer some guidance along the way. Read this introduction to learn more about the series. LastDollar is thirty-three years old, an entrepreneur and single mom with ... Continue reading this article…

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Calvin, April 2013 Net Worth

by Luke Landes
Calvin's Net Worth, April 2013

Naked With Cash is the year-long series on Consumerism Commentary where seven readers’ households share their financial progress on a monthly basis. I’ve partnered with financial planners who will offer some guidance along the way. Read this introduction to learn more about the series. Calvin is in his early 40s, earning a salary of $120,000 ... Continue reading this article…

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Choosing to Stay Home With Children

by Luke Landes
Choosing to stay home with children

Since before the recession, an increasing number of mothers say they’d like to work full-time. The Pew Research Center analyzed new data from the U.S. Census Bureau and conducted a survey to discover this and other family financial dynamic trends. In 2007, 20 percent of mothers called full-time employment their ideal situation, while by 2012, that ... Continue reading this article…

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Kathleen, April 2013 Net Worth

by Luke Landes
Kathleen's Net Worth, April 2013

Naked With Cash is the year-long series on Consumerism Commentary where seven readers’ households share their financial progress on a monthly basis. I’ve partnered with financial planners who will offer some guidance along the way. Read this introduction to learn more about the series. Kathleen is thirty-one years old, single, and living in Portland, Oregon. ... Continue reading this article…

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Anonymous S, April 2013 Net Worth

by Luke Landes
Anonymous S Net Worth

Naked With Cash is the year-long series on Consumerism Commentary where seven readers’ households share their financial progress on a monthly basis. I’ve partnered with financial planners who will offer some guidance along the way. Read this introduction to learn more about the series. Anonymous S is a 24-year-old engineer earning $67,000 a year plus ... Continue reading this article…

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SteveDH, April 2013 Net Worth

by Luke Landes
SteveDH Net Worth

Naked With Cash is the year-long series on Consumerism Commentary where seven readers’ households share their financial progress on a monthly basis. I’ve partnered with financial planners who will offer some guidance along the way. Read this introduction to learn more about the series. SteveDH is retired, and he and his wife have two grown ... Continue reading this article…

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How Today’s College Graduates Can Beat the Odds

by Luke Landes
Graduation

I graduated college in the first heyday of internet-connected businesses in the late 1990s. Jobs of all types were abundant. And although the “dot-com” bubble burst soon afterwards, unemployment rates remained historically low. This year’s graduates are facing more obstacles than those from fifteen years ago. Starting on a solid path right out of college ... Continue reading this article…

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Anne and Matt, April 2013 Net Worth

by Luke Landes
Anne and Matt Net Worth, April 2013

In the series Naked With Cash, seven Consumerism Commentary readers share their financial progress on a monthly basis. They are joined by Certified Financial Planners who provide feedback on their journey. Read this introduction to learn more about the series. Anne and Matt are twenty-seven years old, living in the Midwest, with two children. Read ... Continue reading this article…

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Credit Card Basics: Everything You Should Know

by Luke Landes
Inappropriate use of a credit card

The credit card is one of the most divisive products among all the financial tools available. Ask around and you’re sure to find people who pay all their expenses using credit cards as well as others who swear the products are the embodiment of pure evil. Opinions among financial experts and thought leaders are just ... Continue reading this article…

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Elimination of the Payroll Tax Cut Reduced Consumer Spending

by Luke Landes
Consumers Planned Response to Tax Hike

In 2010, Congress passed the Tax Hike Prevention Act, which among other things reduced the payroll tax from 6.2 percent to 4.2 percent starting in 2011. For two years, workers saw higher take-home income than they would have had the law never existed, and consumers responded favorably by using the extra money throughout the two years to ... Continue reading this article…

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