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You Get Three Free Annual Credit Reports

by Luke Landes

Since September 1, 2005, people in my area of the country have been entitled to three free credit reports each year, one from each credit reporting agency. Last year, I got my report a few days early, avoiding the “rush.” I had planned to space my requests evenly throughout the year, by getting one every ... Continue reading this article…

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Sort Out Your Finances

by Luke Landes

David Bach’s latest column on Yahoo Finance serves as a checklist for getting your personal finances in order. I went through this process several years ago but it would have been nice to have some guidance. Simply getting your information together in one location is the essential first step in organizing your financial life. Here’s ... Continue reading this article…

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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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Good News For DiscoverCard Holders

by Luke Landes

DiscoverCard has made some improvements to its online features. You can now schedule payments in advance, make payments as often as every three days, and have your payment post the same day if the transaction is initiated before 5:00 pm Eastern. The last improvement is a nice touch for procrastinators. I once tried to use ... Continue reading this article…

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Corzine’s New Jersey Budget

by Luke Landes

The big story in New Jersey today was Governor Corzine’s proposed state budget. You can read his speech here. To summarize, New Jerseyans will be looking at higher sales tax, increased tax on cigarettes and liquor, increased tax on luxuries like limousine services and tanning salons, possibly increased property taxes even after rebates, and no ... Continue reading this article…

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Your House: Asset or Liability?

by Luke Landes

Gurus like David Bach and Robert Kiyosaki profess the best way to get rich is real estate (while their net worth continues to increase through the sale of books and seminars). But what good is increased equity in the house if the only way you can use that money is to sell the house (downsize) ... Continue reading this article…

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Personal Balance Sheet, February 2006

by Luke Landes

I can’t believe it’s March already. I turn 30 this month. As if it’s a sign of things to come, Kevin Pollack won’t be coming to my birthday event because — so he says — the movie he’s filming has been delayed. Yes, a bunch of friends and I were planning to see the actor/comedian ... Continue reading this article…

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Tax Bill or Tax Refund, Which is Better?

by Luke Landes

There are two typical responses when a person finishes preparing his tax return, depending on the result. If he owes money, I hear, “Do’h! I have to pay the government more. I wish they’d use my money more efficiently.” If he is due a refund, I hear, “Woohoo! I’m going to get a big fat ... Continue reading this article…

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