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HSBC Direct Confuses Account Holders With Fee Notice

by Luke Landes
HSBC

Millions of HSBC Direct customers received a strange email yesterday or the day before indicating a few changes to the bank’s fee structure. (HSBC’s former name for its Online Savings Account service is HSBC Direct; the new name will be HSBC Advance.) The statement seemed to indicate HSBC would be instituting a new, high fee ... Continue reading this article…

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Citi Hilton HHonors Reserve Card: Two Weekend Nights

by Luke Landes

Editor’s Note: Thank you for your interest, this offer expired and is no longer available. If you travel frequently and are interested in earning points to redeem for stays at Hilton’s family of hotels, car rentals, vacations, or experiences, you may be familiar with the Hilton HHonors program. The Hilton HHonors program awards its members ... Continue reading this article…

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Plutus Awards, Education Vs. Skills, Grown-Up Jobs, and More

by Luke Landes

This September, the Plutus Awards will be coming to the Financial Blogger Conference. Consumerism Commentary is part of a wide community of blogs focusing on personal finance, money management, personal investing, and retirement. Personal finance blogs provide an alternative to traditional financial media, and the audience for this alternative type of media has expanded greatly ... Continue reading this article…

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Automation Moderation: Don’t Let The Machines Control Your Money!

by Luke Landes
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Over the course of thousands of years, the character of money has gone through various metamorphoses. Bartering was the chief method members of a society acquired their individual needs until they developed shortcuts. Since that first shortcut, societies haven’t stopped creating more shortcuts, further separating the method of acquiring something from those things that are ... Continue reading this article…

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Banks Could Make It Easier to Close Accounts

by Luke Landes
Dollar bill

Closing a bank account in the twenty-first century, when a good portion of your banking is handled electronically, can be a cumbersome task. I created a bank switch kit earlier this year to help consumers organize their actions and take the correct steps to move your money from one bank to another without encountering any ... Continue reading this article…

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The Latte Factor: Your Spending Reflects Your Priorities

by Luke Landes
Latte Factor Coffee

The concept of the Latte Factor is one of the most divisive issues in personal finance. Money gurus get so worked up over whether the Latte Factor is a valuable lesson in money management that one might think the issue were as important as war, the national debt, or capital punishment. Most of the time, ... Continue reading this article…

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Citizens Bank Settles Overdraft Fee Class Action Lawsuit

by Luke Landes

Banks are still struggling with the decisions executives made to maximize profit from overdrafts by rearranging the order of withdrawals to customers’ detriment. By December last year, Bank of America settled a class-action lawsuit related to overdrafts and was expected to pay $410 million. That decision is being appealed by a plaintiff, so it will ... Continue reading this article…

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Review of Capital One 360′s Remote Deposit

by Luke Landes
ING Direct

Several readers contacted me yesterday with this piece of good news. After months of promising its customers to launch the new feature soon, Capital One 360, formerly ING Direct, now offers remote check deposit. The delay was likely caused by the efforts that resulted in Capital One purchasing ING Direct USA. Previously, in order to ... Continue reading this article…

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