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Your Secret Bankruptcy Risk Score

by Luke Landes

Now that the methodology behind credit scores has been in the public for a long time, banks have found a new measurement which they’ve managed to keep somewhat private. While this calculation has been in use for twenty years, it has largely been kept off the public radar screen. Your bankruptcy risk score is used ... Continue reading this article…

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Articles For Thursday

by Luke Landes

Here’s a snapshot of some of the reading I managed to sneak in while getting real work done in the office. As you can see, I didn’t have too much time today. * Why it’s smarter to buy a home rather than rent [focus] * Wall Street has a crush on Google but investors may ... Continue reading this article…

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Buying a House vs. Renting a House

by Luke Landes

Liz Pulliam Weston published a column explaining why it’s smarter to buy rather than rent a home. She cited some statistics that show that the average net worth of home owners in any income range are much higher than that of renters in the same range. Liz warns the readers to stay away from “buy ... Continue reading this article…

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Best Of 2005

by Luke Landes

As the year is coming to a close, and I will be less available over the next few days, the opportunity is perfect for taking a look at Consumerism Commentary and compiling a list of “best” (or most popular) entries from the year. This will be the 570th entry in 2005, but only a few ... Continue reading this article…

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HSBC Follows Fed, Raises Interest Rate

by Luke Landes

HSBC Online Banking now offers an interest rate providing a 4.25 annual percentage yield. There’s a $25 bonus as well! Take a look at the latest checking and savings rates for more information. Speaking of bonuses, I have one ING Direct $25 bonus left. ING Direct is currently offering only 3.75 percent APY and to obtain ... Continue reading this article…

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Open An Account At Every Bank

by Luke Landes

If you have a small business and you take a number of personal checks from the local community, you might benefit from this advice from Consumerist: simply open up business checking accounts in as many area banks as possible. This way you can take every customer’s check to his or her own bank — also ... Continue reading this article…

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Your Credit Report Affects Your Cards

by Luke Landes

If you carry a balance on your credit card from month to month (which I strongly feel should not be done if possible), be extra careful about negative items hitting your credit card. In the past, credit card companies would raise their interest rates to a card user who misses a payment or two. Missing ... Continue reading this article…

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It’s Monday

by Luke Landes

Although I haven’t submitted any articles to the Carnivals, you might want to check out the Carnival of Personal Finance #16 and the Carnival of Debt Reduction #3. If you are interested in hosting or participating in the Carnival of Personal Finance, you can get more info here. CNN asked this morning why more people ... Continue reading this article…

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