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Emergency Funds, Doing Okay?

by Luke Landes

We hear all the time how Americans are not saving enough for emergencies. The “Emergency Fund” is heralded as the first step in getting a sound financial footing, before thoughts about investing in stocks or making large purchases enter the brain. The idea of putting aside cash for a (very) rainy day has been a ... Continue reading this article…

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Parking for Cash Only

by Luke Landes

CNN evaluates options for short-term cash savings, including savings accounts, money market accounts, and certificates of deposit. It’s a useful article for weighing the benefits and drawbacks of each type of account in order to find the right match for your situation. The article offers a chart of average interest rates offered across the country, ... Continue reading this article…

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In The Event Of An Emergency

by Luke Landes

CNN offers good advice when it comes to determining what to do when disaster strikes: * Get yourself safe, then busy. Water, food and shelter first, and accept any offers of short-term help in the form of cash. * Get to a bank. In a pinch, any bank. Without identification, they’ll work doubly hard to ... Continue reading this article…

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Carnival of Personal Finance #8

by Luke Landes

Welcome to this week’s Carnival of Personal Finance (basic introduction, schedule) and welcome to Consumerism Commentary (about, best of) to any new readers! This is the eighth installment of the Carnival. In this issue: Designer Pets. Free Money Finance discovers the latest craze for dog owners, crossing poodles with other breeds, giving us wonderful breednames ... Continue reading this article…

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Shopping Addiction

by Luke Landes

CNN Money is featuring the story of a compulsive shopper with an addiction to the activity. She’s 36 years old (which, as I get older, seems increasingly younger) and her shopping spree began when her fourth child was born and she stopped working to live off her husband’s $140,000 annual income. This provided her with ... Continue reading this article…

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Wallet of Plastic

by Luke Landes

It’s widely believed that the more credit cards you have, the better your credit rating. MSN Money, with the help of some experts, debunks that common misconception and recommenhds having two to six credit cards, and using them wisely: Keep your debt ratio low. Don’t carry a balance higher than 30 percent of the credit limit. ... Continue reading this article…

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Can’t Buy Me Happiness

by Luke Landes

Here is some common sense from Jeanne Sahadi: If financial success is important to you, and you are not as successful as those around you, you are not going to be as happy as someone who doesn’t care as much about financial success. In fact, setting financial success as a goal can make some people ... Continue reading this article…

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Frugal In The Country

by Luke Landes

How does a single mother of three kids survive on $31,000? First of all, she doesn’t live in New Jersey. After some unfortunate circumstances and some bad moves, Tricia offers some tips for making the most out of what you earn. The MSN article offers all of her tips, but to summarize, the list includes ... Continue reading this article…

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