To my blogging friends, don’t forget to submit an article to the Carnival of Personal Finance. The next Carnival will be hosted by AllThingsFinancial on Monday, so send JLP a link to your favorite post nice and early.
Updated February 7, 2012 and originally published March 17, 2006. 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. 



