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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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Early Morning Carnivals

by Luke Landes

If you’re an insomiac, you can stay up all night reading the latest Carnival of Personal Finance, hosted by All Things Financial. Another week of great articles have been included. Check out MyMoneyBlog’s post on tricky credit card offers and thoughts on HSBCDirect from Clutter2Cash. This is the 30th edition of the Carnival of Personal ... Continue reading this article…

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Balance Sheet, December 2005

by Luke Landes

What a year! In my personal finances, I’ve mad some advances, but not without letting a few things fall between the cracks. The market turned sour in the last week of the year, and that had too much of an effect on my investment balances. Keep reading for some tables that show my progress over ... Continue reading this article…

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Best Of 2005

by Luke Landes

As the year is coming to a close, and I will be less available over the next few days, the opportunity is perfect for taking a look at Consumerism Commentary and compiling a list of “best” (or most popular) entries from the year. This will be the 570th entry in 2005, but only a few ... Continue reading this article…

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American Express One

by Luke Landes

American Express is offering a relatively new (well, a few months old) credit card called One. As you spend, 1 percent of each purchase is automatically deposited into a savings account that’s currently earning 3.5 percent APY. It’s not a horrible interest rate, beating that of most traditional banks, but barely in the mix compared to interest ... Continue reading this article…

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Suze Orman’s Tips For 2006, Part 4

by Luke Landes

This is the final part in a short series about Suze Orman’s advice for 2006, which is not about 2006, specifically. Watch Your Identity. There’s good advice here. Don’t pay for credit monitoring services because you can do it for free. Everyone in the United States is entitled to one free credit report from each ... Continue reading this article…

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Suze Orman’s Tips for 2006, Part 3

by Luke Landes

Continuing in a series which includes Part 1 and Part 2, here are some tips for personal money management in 2006, which will play well in any year: Protect Your Home. Even before the massive losses caused by Hurricanes Katrina and Rita, insurers were scaling back policies to make it harder for homeowners to receive ... Continue reading this article…

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Suze Orman’s Tips For 2006, Part 2

by Luke Landes

Here are more tips for ’06 from Suze Orman, continuing a short series. Go for a Roth IRA. Fund your Roth IRA to the maximum of $4,000 (or $5,000 if you’re over 50 years old) if possible and if you qualify. Suze suggests paying off credit card debt first, and I agree. Also, fund your ... Continue reading this article…

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