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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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Raise Your FICO Credit Score

by Luke Landes

You may have been offered a credit score when you took advantage of the free credit report offer. CNN is offering tips for boosting that score. But first a note. Often, credit scores offered by the credit reporting agency are not true FICO scores — the ones mortgage companies use when contemplating your credit risk, ... Continue reading this article…

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CitiBank Strikes Again

by Luke Landes

About a week ago, I linked my CitiBank Platinum Dividend Rewards credit card to my ING Direct account with the intent of keeping more of my cash in an interest-bearing account. I knew from the last time I made a change to my CitiBank card, I had to wait some time before paying my bill ... Continue reading this article…

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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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