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Reader Question: Find Better Loan to Pay Off Student Loan?

by Luke Landes

Occasionally, readers email me with questions about their own personal finances. Considering I share so much of my own, it’s always interesting to get a peek into the issues other people are concerned about. In fact, right now, I am actively seeking reader questions to serve as launching points for a discussion I plan to ... Continue reading this article…

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Oversight and Regulation: Too Much or Too Little?

by Luke Landes

Many economists are citing the lack of regulation of the financial markets as one of the primary causes of the recent economic collapse. Alan Greenspan, once a believer in deregulation, blames the crisis on the financial industry’s inability to monitor itself. A pattern of financial deregulation over the past two and a half decades paved ... Continue reading this article…

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Which Comes First: Paying Off Debt or Starting Emergency Fund?

by Luke Landes

Taking the first few steps to ensure your future financial stability can be daunting. There is so much to do, trying to decide where to start can result in wasted time, and wasted time is wasted money. Eliminating debt is often the first priority, and rightly so. If debt is in the form of credit ... Continue reading this article…

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Reader Survey: Who are Consumerism Commentary Readers?

by Luke Landes

Earlier this year, I conducted a short survey of Consumerism Commentary readers. I do this once in a while to try to develop a picture of who you are. A few people have expressed interest in seeing the results of this survey, so here are some of the statistics. 58 percent of Consumerism Commentary readers are ... Continue reading this article…

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Ask Any Question and Ramit and I Will Discuss the Answers

by Luke Landes

Ramit Sethi from I Will Teach You to Be Rich is currently putting the final touches on his first published book, aptly named, I Will Teach You to Be Rich. He’s probably tweaking the final paragraphs as I write this. Ramit’s new book, which will be released on March 23, includes a few pages I’ve ... Continue reading this article…

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Do I Qualify for a Loan Modification?

by Smithee

(Or… What on Earth is an Affidavit of Financial Hardship?) Today the U.S. Treasury announced the details of their “Making Home Affordable” Loan Modifications. This link to the financialstability.gov Web page about the plan should help you answer whether you are eligible to receive help with your “underwater” mortgage. Here’s a good summary from a ... Continue reading this article…

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Personal Income Statement, February 2009

by Luke Landes

Did you read my February balance sheet? This article contains my personal income statement, which goes hand-in-hand with the balance sheet. These two reports provide a relatively complete accounting of my financial standing and progress. February was short, but good for a number of reasons. Setting personal records, my gross income and net income for ... Continue reading this article…

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Personal Balance Sheet and Net Worth, February 2009

by Luke Landes

Over the course of February, my “modified net worth” grew 7.5 percent despite yet another unremarkable month for the stock market. As of the end of the month, my bottom line — a variation of net worth — surpassed $200,000, but was still below my original goal for December 31, 2008. Every month, I post several ... Continue reading this article…

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