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Giants Win Superbowl (and Blog Roundup)

by Luke Landes

I don’t know much about sports betting, but I wouldn’t be surprised if there are some people — other than those affiliated with the team who will receive big bonuses — who are significantly richer thanks to the New York Giants winning the Superbowl. I’m not a big football fan, but I managed to catch ... Continue reading this article…

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How to Save a Million Dollars at Any Age: 35 Years Old

by Luke Landes

Kiplinger’s Personal Finance Magazine has some suggestions for saving a million dollars regardless of your age. The only catch is that it’s going to take several decades to get to that point. The passing time has a detrimental effect, however. Inflation will eat away at your purchasing power so $1,000,000 thirty years from now will ... Continue reading this article…

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How to Save a Million Dollars at Any Age: 25 Years Old

by Luke Landes

Kiplinger’s Personal Finance Magazine’s February issue has suggestions for saving a million dollars, whether you’re 25, 35, 45 or 55 years old. The authors assume that you’ve already been saving money every year, but provide a strategy to add $1 million to your net worth over time. At Age 25 * Contribute enough to your ... Continue reading this article…

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Update: Guide to Citibank Credit Cards

by Luke Landes

Thanks to the recent reduction in the federal funds interest rate, debtors have reason to celebrate. Interest rates on credit cards pegged to the prime rate are decreasing. CitiBank recently reset the APRs on a number of their credit cards. Citi® Dividend Platinum Select® for College Students Now 13.99 percent – 21.99 percent on purchases. The Citi ... Continue reading this article…

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Where Did You Come From, Where Did You Go (January 2008)

by Luke Landes

January 2008 is the first month in which Consumerism Commentary exceeded 100,000 monthly unique visitors. Thanks to all readers, particularly those who come back after their first visit! If this is your first visit, consider bookmarking Consumerism Commentary if you like what you see or subscribe to the RSS feed to read about updates as ... Continue reading this article…

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What’s More Important: High Interest or Customer Service?

by Luke Landes

Consumerism Commentary visitor Diane asked about the bank that is currently topping the list of high-yield savings accounts, OneUnited, which is currently offering 5.30 percent APY. I wonder about that Unity Gold E-Savings at OneUnited at the top of the list. That is 1 percent better than Emigrant where I am now, which translates into $500/year. Have ... Continue reading this article…

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This Month in the Archives: Financial Ratios, Wage Inequality, and a Housing Bubble

by Luke Landes

If you’ve joined Consumerism Commentary within the past year, you might have missed out on what was published here previously. Here are a few articles from January in past years to catch up. Stay current with the articles here by subscribing to the RSS feed. From the Second Half of January 2007 Suze Orman Teams ... Continue reading this article…

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The New Emergency Fund: Five Components of an Emergency Plan

by Luke Landes

In an world of overly simplified platitudes and one-size-fits-all “advice,” there is little repeated more in personal finance than the importance of the emergency fund. Typical popular financial advice prescribes a high-yield savings account in which one can store three to six months’ worth of expenses. Suze Orman suggests aiming for eight months’ expenses in ... Continue reading this article…

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