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Financial Urban Myths

by Luke Landes

Don’t fall for these popular “wives’ tales,” as compiled by Bankrate.com. Some of these are strange and unfamiliar to me, but maybe you’ve heard these rumors. 1. False: “You can float a check longer if you write in red ink.” 2. False: “You don’t have to pay income tax — it’s illegal.” 3. False: “I’m ... Continue reading this article…

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2006 Benefits Enrollment

by Luke Landes

I suppose this is a problem facing corporate employees across the country, but I feel like outlining how much my health benefits choices for 2006 will be significantly more expensive than this past year. Not only are our choices more limited (except for an introduction of a Consumer Directed Health Plan and a High Deductible ... Continue reading this article…

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Employee Health Plans

by Luke Landes

Marketwatch reports that “Two out of three adults would rather have their employer pick a set of health plans than be given an employer-funded account so they can go out and buy it for themselves on the individual market.” My company provides several options for health coverage, but the selection is getting more complicated next ... Continue reading this article…

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Balance Sheet, September 2005

by Luke Landes

What follows is my personal balance sheet for the end of September, 2005. Thankfully, my net worth has made some gains this month. Some of that was due to increased value in my investment accounts and some was due to receiving three paychecks this month. Since I get paid every other Friday, the calendar rewarded ... Continue reading this article…

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Delinquencies Increase

by Luke Landes

CNN is reporting that according to the American Bankers Association, delinquencies on credit cards (and other loans) have reached an all-time high. Taking a step back, it feels good to realize that I’m not included in these statistics. It has now been a while since I’ve been financially irresponsible. Sure, I make mistakes sometimes, such ... Continue reading this article…

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More Carnivals

by Luke Landes

Consumerism Commentary has also been featured this week in the Carnival of Capitalists and the Carnival of Debt Reduction, with the entries Raise Your Credit Score and Free Credit Reports.

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An Actual CitiBank Credit Card Improvement

by Luke Landes

With all the talk about CitiBank’s limitations in its online payment services, I neglected to mention an actual improvement that I noticed through the ordeal. (Luckilly, they sent an reminder of the new feature via email.) In the past, when users went to pay their credit card bill online, CitiBank would process the payment immediately. ... Continue reading this article…

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ING Direct Proffers a Weak Attempt

by Luke Landes

ING Direct raised its interest rate for its savings account today to 3.4 percent APY. It’s a very weak move in response to Emigrant Direct upping its savings interest yield from 3.5 percent to 4.0 percent. I expect the other online banks will also raise their rates. By the way, you can always find a collection of the ... Continue reading this article…

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