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Income and Expenses, March 2005

by Luke Landes

This entry goes hand-in-hand with my March account balances. Continue reading this entry to see my chart and explanation.

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Account Balances – March, 2005

by Luke Landes

March was an interesting month. I took out a new student loan to pay for my MBA (while awaiting reimbursement from my company) and received a small portion of that for “living expenses.” It should help me out a little, and I only took it knowing I can come out slightly ahead with that money ... Continue reading this article…

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Paying For Convenience

by Luke Landes

The “Personal Services” industry has been growing. More people are willing to pay others for tasks considered inconvenient, like shopping, washing laundry, and possibly even “wiping.” This article by Gordon T. Anderson describes various mundane tasks for which you can hire a specialist. If you want to make money in this industry but you have ... Continue reading this article…

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My Commuter Has a Code

by Luke Landes

In New York and New Jersey, more than one out of every 25 workers has a commute of 90 minutes or more. The Census Bureau released its report on commuting yesterday, and the New York Times picked up the story. The chart to the right shows the top commutation times by state, and inside the ... Continue reading this article…

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Housing: Rent or Buy in NYC

by Luke Landes

Gothamist answers this question: My parents are always bugging me about renting an apartment in New York City, saying I am throwing money out the window by renting and that I should buy a place... Continue reading this article… They’ve offered to help me with a down payment, but is it really a good idea? Janine Papp answers the ... Continue reading this article…

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Check Your Notices

by Luke Landes

When a credit card company with which you have a card sends a letter in a thin envelope, it’s best to read it. Likely, the company is notifying you of changes within the terms of the agreement. (The thicker envelopes are usually new card offers and unless it’s a great deal, it’s best to shred ... Continue reading this article…

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More on 401(k) Borrowing

by Luke Landes

Following up on the topic of 401(k) loans, which was discussed here, there is a new article on CNN Money by Walter Updegrave. This article compares a scenario for two options: borrowing $40,000 through a 401(k) loan and borrowing the same amount through a home equity line of credit. Assuming the two options are available ... Continue reading this article…

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Six-Figure Yentl

by Luke Landes

If you’re looking for a career change with six-figure possibilities, consider becoming a professional matchmaker. You’ll be providing a sought-after service for other professionals who don’t have time to meet new people. There are many differences between matchmaking and dating services, but are they worth the big bucks? I could use the service, sure. It’s ... Continue reading this article…

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Luke Landes, An Introduction

by Luke Landes

I’ve had many new returning visitors to Consumerism Commentary over the past couple of months, so I think it is only fair to formally introduce myself. I’ve updated this introduction in December 2013, although it was originally published in 2005. On this site and in this context, I originally called myself Flexo. I appropriated the ... Continue reading this article…

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Predicting Markets

by Luke Landes

Neville is writing about predicting the markets. Are the markets predictable? What were people predicting in 1930 and 1940, and were those predictions accurate? I was researching these questions and I came across a paper by Felix Stalder, a PhD Student at the University of Toronto, entitled The Nature of Financial Networks. It’s an interesting ... Continue reading this article…

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