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How to Balance The Future With the Present

by Luke Landes
Money

Financial self-help gurus, professional financial advisers, and bloggers who write about personal finance as a hobby or a job all tend to agree on a few basic tenets. One of these is that saving today can generate more financial freedom in the future. Financial freedom is important because it allows you to pursue activities you’d ... Continue reading this article…

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Don’t Let Cyberbegging Affect Your Charitable Plan

by Luke Landes
Cyberbegging

I’m a sympathetic person. I really am, and sometimes my sympathy has aided me in making bad choices. But I have no patience for people who pretend to be in some kind of destitute condition, a performance entirely possible through the anonymity on the internet, and beg for money. It’s a strategy — a scam ... Continue reading this article…

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Boycott Wal-Mart on Black Friday and Thanksgiving?

by Luke Landes
Black Friday

Someone I know is boycotting Wal-Mart. I would not be able to boycott Walmart myself, as I never shop there in the first place. My absence from Wal-Mart does not have any effect. I believe I’ve stepped inside the store twice in the past decade or longer, and I don’t remember why. The basis for ... Continue reading this article…

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IberiaBank Visa Select Credit Card Review

by Joe Taylor Jr.
IberiaBank Visa Select

To most Americans, Louisiana means great music, good food and some crazy Super Bowl moments. However, keen observers of the credit card industry also know Louisiana as the home of Iberiabank, a solid regional lender that’s been chugging away in cities like New Orleans and Lafayette for more than 125 years. An early adopter of ... Continue reading this article…

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Online Shopping: Credit Card or Debit Card?

by Luke Landes
Credit Cards vs Debit Cards

The conclusion begins this article. If you’re shopping online, it’s better to use your credit card, not your debit card, in almost all cases. For someone just beginning to focus on improving one’s finances, this seems to be the wrong conclusion. After all, in theory, with a debit card you can spend only what’s in ... Continue reading this article…

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LastDollar, October 2013 Net Worth

by Luke Landes
LastDollar Net Worth October 2013

In Naked With Cash, seven anonymous Consumerism Commentary readers publicly track and analyze their finances on a monthly basis. For almost a decade, I tracked my own finances on Consumerism Commentary; now I’m sharing the benefits of public accountability with the participants. I’ve partnered with financial planners who will offer some guidance along the way. ... Continue reading this article…

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Money Systems That Lead to Success: Always Ask Questions

by Luke Landes
Always Ask Questions

Last Thursday, I drove to the place that was my home for four formative years of my life, my undergraduate university. I’ve written before about how the degree and overall course of study during college isn’t directly related to what I do today. Nevertheless, I still feel strongly about the importance of music and arts ... Continue reading this article…

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PenFed Promise Visa Review

by Joe Taylor Jr.
PenFed Promise Visa Card

By offering a suite of services originally designed to help military families make ends meet, Pentagon Federal Credit Union has grown into one of the country’s largest nonprofit financial institutions. Unlike credit unions that require geographic or employer-related eligibility, PenFed extends membership to any citizen with a family connection to our national defenses. You can ... Continue reading this article…

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