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The 2011 Economic Stimulus: Mortgage Refinancing

by Luke Landes
Mortgage Refinance

The American Reinvestment and Recovery Act of 2009, the 2009 economic stimulus bill, provided an opportunity for homeowners in trouble to qualify for mortgage modifications. The Home Affordable Modification Program (HAMP) and the “Making Home Affordable” provided support for lenders who worked with homeowners. Part of the requirement for qualifying for the modification program is ... Continue reading this article…

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How to Hedge Against Gasoline Price Increases

by Luke Landes
Gas Pump Fuel | crowt59

When gasoline prices at the pump increased to the point where the cost was a major news item engendering backlash among the public, oil companies were sporting big profits. Consumers reacted by buying more fuel-efficient cars and traveling less, but there is another approach for investors — an approach that mimics what commodities and hedge ... Continue reading this article…

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The Business Gold Rewards Card from American Express OPEN Review

by Luke Landes

Editor’s Note: Thank you for your interest, this offer expired and is no longer available. The incentive for becoming a customer of American Express’s business cards is continuing to improve. The card formerly known as the Gold Card from American Express OPEN is now known as The Business Gold Rewards Card from American Express OPEN. ... Continue reading this article…

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Appeal Your House’s Assessment to Lower Your Property Tax Bill

by Luke Landes

The comparison of owning a home in New Jersey or Long Island with owning a home in New York City shows that the city has one financial advantage: property taxes. In New Jersey, it’s hard to discuss the cost of owning a home without talking about property taxes. With high property tax rates, it’s worthwhile ... Continue reading this article…

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$1.2 Trillion in Secret Fed Loans

by Luke Landes

We know about TARP, the program that used taxpayer money to lend to the biggest Wall Street banks tin an effort to prevent the collapse of the financial industry. The Federal Reserve loaned more money to Wall Street, however, in secret. The details are only coming out now thanks to the Freedom of Information Act ... Continue reading this article…

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Bank of America Shedding 6,000 Jobs So Far This Year

by Luke Landes
Bank of America

Financial giant Bank of America is eliminating 3,500 more employees. With this addition to the 2,500 already lost this year, the score is up to 6,000. The bank is trimming the workforce to sell of businesses, like global credit cards and life insurance portfolios. The company’s profits overall aren’t growing fast enough, particularly due to ... Continue reading this article…

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Platinum Card from American Express Review

by Luke Landes

Charge cards have always had a reputation of being not for the average middle-class credit card user, primarily because many come with high annual fees and offer perks that the typical American consumer can’t afford or doesn’t want to pay. While this may be true for most charge cardholders, as long as a consumer doesn’t ... Continue reading this article…

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Are Credit Card Annual Fees Worthwhile?

by Luke Landes

The best credit card deals are often spoiled by an annual fee. Annual fees can range from about $50 to $2,500, with the high end reserved for the super-select American Express Centurion Card (the “black card”). In return for this fee, credit card issuers provide a range of benefits beyond what typical no-fee cards offer, ... Continue reading this article…

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