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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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Economic Stimulus Tax Rebate Calculator

by Luke Landes

Welcome! If you’re new here, please consider subscribing to the Consumerism Commentary RSS feed! This article is for tax year 2008. For 2009 and beyond, see our roundup of 8 (or more) Ways to Benefit from the American Recovery and Reinvestment Act of 2009 (AKA Stimulus Plan). Updated March 18, 2008 with an estimated schedule ... Continue reading this article…

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Still Believe Real Estate Values Never Go Down?

by Luke Landes

For some reason, I will never get out of my mind someone once told me shortly he purchased a house he couldn’t afford (and knew he couldn’t afford) with a risky mortgage. He said, “I’m not worrying. Real estate prices never go down.” I wasn’t about to get into an argument; he was a former ... Continue reading this article…

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Today is the Worst Day of the Year: How Does it Affect Your Money?

by Luke Landes

How are you feeling today? According to a psychologist from the U.K., January 24 is the most depressing day of the year. There’s an actual scientific formula that has been used to determined this fact. Some of the conditions that have led to this conclusion are specific to Britain, but there are seasonal cycles that ... Continue reading this article…

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