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The Unemployment Cycle

by Flexo

The dangerous thing about advocating more saving and less spending, a responsible approach to personal finances, is that when the public applies this approach, the economy doesn’t move forward. The Commerce Department released consumer data from June today showing that personal spending dropped 0.2 percent during that month, the biggest decline since September 2009. It took ... Continue reading this article…

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Aurora Bank Review

by Flexo

In my neverending quest to find more options for banking in today’s environment of low-yield high-yield savings and money market accounts, I’ve come across Aurora Bank. I don’t move money around from one account to another to chase high rates, but until I get around to simplifying my banking options, I tend to open accounts ... Continue reading this article…

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What Happens If The Debt Ceiling Isn’t Raised?

by Flexo
Debt Ceiling

Democrats and Republicans in Congress, not to mention the President, are battling over what to do about the debt ceiling, an arbitrary limit of government borrowing set by Congress. The government borrows money from investors in order to pay its expenses, like salaries and Social Security, and if the government is unable to borrow, eventually ... Continue reading this article…

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How to Break Free From the Unemployment Trap

by Flexo

As we may be currently living in a buyer’s market in real estate, it’s also a buyer’s market in employment. With employers cutting back due to the economy over the past few years, companies are surviving with fewer employees. For any open positions, employers have the luxury of being very picky about who they hire. ... Continue reading this article…

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The End of the Alternative Minimum Tax (AMT)

by Flexo

The Alternative Minimum Tax (AMT) is one section of the tax code everyone, regardless of political party affiliation, seems to hate. Originally designed to ensure the wealthiest Americans wouldn’t be able to avoid paying a fair share of tax, the AMT isn’t adjusted for inflation, so an increasing number of not-as-wealthy Americans are subject to ... Continue reading this article…

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Excellent Credit, Denied Mortgage

by Flexo

Even with a credit score above 800, it’s still possible to be denied for a mortgage. Looking at the mortgage industry as a whole, for a period of time, lenders were too lax, offering mortgages practically regardless of qualifications. The pendulum has swung the other way, and even qualified individuals and families are having a ... Continue reading this article…

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Government Ranks Colleges by Cost

by Flexo
college-costs

In a domain once reserved for U.S. News & World Report, the government is stepping in to rank United States colleges by affordability, as mandated by Congress. This ties right into zeitgeist; thousands of families are thinking about college as we head deeper into summer, and high school students and their parents are evaluating their ... Continue reading this article…

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Podcast 115: LaFoy Thomas, Generational Wealth

by Flexo

Today on the Consumerism Commentary Podcast, Tom Dziubek speaks with LaFoy Thomas, attorney, investor and author of the book Generational Wealth: Business & Investing Guide to Building an Empire. LaFoy discusses the concept of financial sophistication and many other topics such as economic indicators, REITs (real estate investment trusts) and how to understand financial statements. ... Continue reading this article…

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