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Emigrant Direct Raises Rates and Offers Rebate Credit Card

by Luke Landes

For the latest information on the Emigrant Direct Rebate Credit Card, click here (January 2006). Emigrant Direct raised interest rates on its savings account to a wonderful 4.0 percent APY today, possibly to coincide with the Federal Reserve Bank’s increase of 25 basis points. I have updated the latest checking and savings rates table to include ... Continue reading this article…

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Monday is Carnival Day

by Luke Landes

The latest Carnival of Personal Finance has been posted at Optimized Living. Check it out! My included article is about Emergency Funds, a popular topic. Here are some other items of interest from the Carnival: No Credit Needed gets personal. The Dividend Guy has a dumb investment. Jim shares tips for selling on eBay. There’s ... Continue reading this article…

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What Are You Afraid Of? Part 2

by Luke Landes

Earlier, I posted a summary of the first half of Money Magazine’s newest feature, Your Six Biggest Money Fears. In the feature, six general fears regarding personal finance are discussed and debunked, and for each an alternate concern is posited. Outsourcing makes many white-collar Americans concerned about their job. Still, it’s mostly blue-collar jobs that ... Continue reading this article…

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Emergency Funds, Doing Okay?

by Luke Landes

We hear all the time how Americans are not saving enough for emergencies. The “Emergency Fund” is heralded as the first step in getting a sound financial footing, before thoughts about investing in stocks or making large purchases enter the brain. The idea of putting aside cash for a (very) rainy day has been a ... Continue reading this article…

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Lucky Number 13

by Luke Landes

The Carnival of Personal Finance #13 is now available at Smart Money Daily. My post about the credit card grace period is included. Many good articles from other bloggers are included as well.

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Credit Card Grace Period

by Luke Landes

After I learned to stop using my credit card for buying things and paying for expenses, I learned how to use my credit card deals for buying things and paying for expenses. By this, I mean I realized that I can use the credit card as a tool, especially if it offers a rebate like ... Continue reading this article…

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Income Statement, August 2005

by Luke Landes

In conjunction with my August balance sheet, here is my August income statement, followed by some notes.

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Balance Sheet, August 2005

by Luke Landes

Once again, ladies and gentlemen, it’s time for the monthy progress report. The good news is my balances went up this month. The bad news is that it wasn’t by much. If I get around to posting my income sheet for the month, we’ll be able to see where the problems lie. I keep adding ... Continue reading this article…

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