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Psychological Barriers: Admitting There’s a Problem

by Luke Landes
Barrier

It’s difficult to get into this topic without sounding too much like a motivational speaker. I am strongly averse to most motivational training. Here’s my problem: Motivational training, in the corporate world, encourages teamwork — good — but often at the expense of personal identity and independent thinking — bad. The nuances are subtle, though; ... Continue reading this article…

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Who Needs a Budget?

by Luke Landes
Money Jar

There are a number of excuses for ignoring the concept of budgeting for one’s own personal finances. Budgeting has a poor reputation. It’s not fun, it’s time-consuming, it’s depressing. While budgeting can be one of the most important steps for beginning a journey towards financial independence, there’s a tendency to ignore this in favor of ... Continue reading this article…

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Damage Control: Taking an Unwarranted Vacation (From My Finances)

by Luke Landes
San Francisco

This week should have been a vacation. It has been, for the most part, but not entirely. While I’ve traveled occasionally over the past few years, and even chosen destinations meant for relaxation and time alone with loved ones, I haven’t had one of those fabled true vacations. My cell phone was still near by. ... Continue reading this article…

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Time-Barred Debts: Statute of Limitations

by John Ulzheimer
Time-Barred debts: statute of limitations

When you take on a credit obligation, or liability, you normally sign an agreement or promissory note requiring pay back of the debt. What you’ve just done is incurred what’s referred to as “contract debt.” If you default on a contract debt, such as a credit card, the creditor can and likely will vigorously pursue ... Continue reading this article…

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How Credit Card Issuers Pay Rewards Without Going Broke

by Lance
Credit cards

This is a guest article by Lance, the founder of the blog Money Life and More. Earning rewards from credit card companies like cash back and sign-up bonuses, astute credit card users may be wondering how issuers afford to pay these bonuses for people who don’t pay interest or late fees. Lance takes a look ... Continue reading this article…

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The Government Wants to Regulate Bitcoin and Other Virtual Currencies

by Luke Landes
Bitcoin

Currencies work as a means of storing and trading value because the people who use them have faith in their value. Faith involves putting trust in an entity more powerful than oneself, whether that entity is a market or a government. Even when the value of money was based on a commodity like gold, its ... Continue reading this article…

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Kathleen February 2013 Net Worth

by Luke Landes
Kathleen February 2013 Net Worth

Naked With Cash is the year-long series on Consumerism Commentary where seven readers’ households share their financial progress on a monthly basis. I’ve partnered with financial planners who will offer some guidance along the way. Read this introduction to learn more about the series. Kathleen is thirty-one years old, single, and living in Portland, Oregon. ... Continue reading this article…

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Barclays Online Savings Review

by Luke Landes
Barclay's Online Savings Account Review

Barclays has enjoyed a long and storied history as a financial industry leader in the United Kingdom. While those of us in the United States often consider a financial company to be historied once it passes its centennial, Barclays was founded in 1690. As an organization, the bank is older than our country. The brand ... Continue reading this article…

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