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HOWTO Purchase a Bed (Mattress and Box Spring)

by Luke Landes

You may have read that I purchased a bed this past weekend. This was my first purchase of major furniture, but it was a long time coming. I had suffered from morning back and neck pain for too long, and I believe the problem had much to do with the sleeping surfaces I’ve had over ... Continue reading this article…

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Carnival Monday

by Luke Landes

I hope everyone had a great weekend. I made a pretty large purchase this weekend, and I’ll talk about that in a future post. It’s Monday, and that means it’s time for the Carnival. Hello, Dollar! posted the latest Carnival of Personal Finance and my thoughts on spoiled kids was included. Speaking of children, make ... Continue reading this article…

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It’s Monday

by Luke Landes

Although I haven’t submitted any articles to the Carnivals, you might want to check out the Carnival of Personal Finance #16 and the Carnival of Debt Reduction #3. If you are interested in hosting or participating in the Carnival of Personal Finance, you can get more info here. CNN asked this morning why more people ... 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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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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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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