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Now Covered By Umbrella Insurance

by Luke Landes
Umbrella insurance

There is nothing that can derail your financial success or path to independence as fast as being held liable for some kind of catastrophic loss without the appropriate level of insurance coverage. Automobile and homeowners insurance (or renter’s insurance) cover only up to a certain amount of your liability if you or your property is ... Continue reading this article…

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Anonymous S December 2012 Net Worth

by Luke Landes
Anonymous S Net Worth December 2012

Naked With Cash is the year-long series on Consumerism Commentary where seven readers’ households share their financial progress on a monthly basis. I’ve partnered with financial planners who will offer some guidance along the way. Read this introduction to learn more about the series. Anonymous S is a 24-year-old engineer earning $67,000 a year plus ... Continue reading this article…

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Fiscal Cliff Bill Passes: American Taxpayer Relief Act of 2012 (H.R. 8)

by Luke Landes
Senate

Late last night, the United States House of Representatives passed is designed to avoid the fiscal cliff, the bill already approved by the Senate that avoids the fiscal cliff, the automatic tax rate reversion and spending cuts agreed to last year by Congress. With recurring drama every few months, the government seems to be taking ... Continue reading this article…

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Someone Will Take Care of Me: Toxic Financial Attitudes

by Luke Landes
Old family

Eleven years ago, I left a job at a small company. My boss, the head of the company, agreed to call the break-up mutual, but I was leaving the organization without any prospects for a new job. I spent the next few months looking for a teaching job that matched my interests and my degree, ... Continue reading this article…

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How to Optimize Your Retirement Investing Priorities

by Luke Landes
Golf in Retirement?

The law in the United States is designed to encourage each working citizens to save for his or her own future. Through tax advantages, there are subtle incentives for investing in certain types of accounts. These incentives encourage financial literacy, boost use of the economic machine of the financial industry, and shift the burden of ... Continue reading this article…

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Aftermath of Sandy: Check Your Insurance Coverage Before the Storm

by Luke Landes
Hurricane Sandy

I hope all Consumerism Commentary readers affected by Hurricane slash Extra-Tropical Storm slash Low-Pressure System Sandy are alive and safe and have avoided damage. I lost power for sixteen to eighteen hours, and although I live near a canal, flood waters didn’t reach me. Many of my local friends are still without power, and my ... Continue reading this article…

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Mass Affluent: College is Worth the Investment

by Luke Landes
Questioning the value of a college education

You can be financially successful without a college degree. One summer when I was younger, fresh out of college, I worked for a touring drum and bugle corps. It’s a group of 128 adolescents and young adults and 40 staff who drive around the company in buses, performing almost every night for seven weeks, marching ... Continue reading this article…

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Are Consumers Really Concerned About Savings?

by Luke Landes
Savings piggy bank

A survey released by Chase today concluded that 74 percent of Americans are concerned about having enough money in savings, but only 34 percent have increased their savings since the economic downturn. There’s more to the survey, but this fact alone raises more than enough questions to consider for an entire day. What does it ... Continue reading this article…

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