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Banks Borrow Money at Low Rates, Why Can’t Students?

by Luke Landes
Studying

Senator Elizabeth Warren, the architect of the Consumer Financial Protection Bureau, introduced a bill in Congress to give student borrowers a break. The premise is that students, whose education is important to the economic growth of the United States, should receive some of the same advantages as banks, who receive preferential treatment in the form ... Continue reading this article…

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Higher Home Ownership Linked to Higher Unemployment

by Luke Landes
Home ownership

American culture has long promoted the idea that home ownership is key to the fulfilling middle-class lifestyle. You can be sure the National Association of Realtors will continue to do its darnedest to keep this interpretation of the American Dream alive; whether you’re buying or selling, it’s always a good time for Realtors to earn ... Continue reading this article…

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8 Scientifically Proven Principles of Happiness

by Luke Landes
Happiness - 8 scientifically proven principles

There is a link between wealth and happiness, but it’s not that having more of the former results in more of the latter. The Journal of Consumer Research published a study involving a scientific analysis of the link between money and happiness designed and analyzed by researchers at the University of British Columbia, Harvard University, ... Continue reading this article…

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Three Psychological Barriers: Taking the First Step

by Luke Landes
Psychological barriers

Everyone starts their path to financial independence from a different position. The popular belief that everyone born in this country has an equal opportunity for financial success is a Utopian myth. It may be an ideal foremost in early European settlers’ minds as they escaped a society where wealth was determined by little more than ... Continue reading this article…

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Financial Role Models vs. Money Classes

by Luke Landes
Financial literacy and role models

Non-profit organizations and for-profit businesses promote financial literacy education as the solution to a society of citizens unskilled with managing their own money. If only we could have mandatory money management classes in high school and earlier, advocates claim, the United States would be a nation of savers, free of most debt other than mortgages, ... Continue reading this article…

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What To Do If You’ve Donated to a Fraudulent Charity

by Luke Landes
Charity scam and fraud

It happened after September 11, Katrina, Sandy, the Boston Marathon, and other disasters, man-made and natural, around the world. After serious tragedies, when a compassionate public is at its most vulnerable, unscrupulous individuals find taking advantage the world’s generosity comes easy. Within hours — even minutes — of the news, new operations spring up, offering ... Continue reading this article…

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Psychological Barriers: Admitting There’s a Problem

by Luke Landes
Barrier

It’s difficult to get into this topic without sounding too much like a motivational speaker. I am strongly averse to most motivational training. Here’s my problem: Motivational training, in the corporate world, encourages teamwork — good — but often at the expense of personal identity and independent thinking — bad. The nuances are subtle, though; ... Continue reading this article…

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Are Sophisticated Producers Taking Advantage of Their Fans With Kickstarter?

by Luke Landes
Kristen Bell, Veronica Mars

I like the concept of crowdfunding. Websites like Kickstarter have been helpful to start-up businesses, sole individuals with an idea but without capital, and independent entertainers looking for support for their first project. It’s democratic capitalism; the best ideas receive necessary funding while the “investors” receive neither a financial return nor equity. It’s a great ... Continue reading this article…

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