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Spend More With Cash or Plastic?

by Luke Landes

Liz Pulliam Weston is suggesting using cash rather than plastic because of an inclination to overspend. I’m a big fan of credit cards. Most offer fraud protection and online reconciliations so I always know exactly what I am spending. When I pay the balance off at the end of the month, it’s also nice to ... Continue reading this article…

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A Look at The Automatic Millionaire Homeowner by David Bach

by Luke Landes

A while ago, I received an advance copy of The Automatic Millionaire Homeowner by David Bach. This was the first book by Bach that I’ve read, and I’ll share my opinion now.

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5% APY on 12-Month CDs!

by Luke Landes

If that title gets you excited, you’ll be happy to know that more and more banks are offering 5 percent interest yield (or higher) on certificates of deposit (CD). CDs are a little less liquid than a straight savings account, which means there may be a penalty if you withdraw your money before that 12 month ... Continue reading this article…

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What To Do When Your Bank Is Merging

by Luke Landes

Marketwatch has published an interesting article with advice for customers whose banks are going through a merger. I’m no stranger to this phenomenon. When I was 16, I had my first bank account with New Jersey National Bank. It was sooner or later bought by or merged with CoreStates (Dec. 6, 1996), then First Union ... Continue reading this article…

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Friday Articles

by Luke Landes

On Fridays, instead of just the regular personal finance links, perhaps I’ll put together a hodge-podge of everything I find interesting. A veritable cornucopia of delectable links. * Nothing quick about getting rich with real estate * Doctor Who to air on Sci-Fi channel in March — too bad I have only 30 TV stations, ... Continue reading this article…

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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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