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GE Capital Bank Online Savings Account: I Was Declined

by Luke Landes
GE Capital Bank

This article started as a regular review of an online savings account. I’ve written many of these for Consumerism Commentary over the years, and I’ve always followed a similar process: I open a new account in my own name, naturally, I link the account to an existing account of mine, I transfer money into the ... Continue reading this article…

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What Happens When Companies Pay Employees the Best Salaries

by Luke Landes
Cubicle

I worked at a non-profit organization for a few years, and the employee turnover at that company was frightening. This particular group attracted young adults right out of college, like myself, who believe in the mission, work hard, settle for nothing short of excellence, and are willing to sacrifice personally for the good of the ... Continue reading this article…

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How to Order Your Free Chex Systems Report

by Luke Landes
ChexSystems - Free Annual Checking Account Report

Chex Systems is a private database that tracks consumers’ behavior with checking accounts. The company that owns the database, Fidelity National Information Services (no relations to Fidelity Investments), is, among other things, a credit reporting agency. Therefore, customers whose activities have been tracked in Chex Systems have some rights, like customers whose credit is reported ... Continue reading this article…

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Replace the Dollar Bill With the Dollar Coin: The COINS Act

by Luke Landes
Dollar coins

A proposal has been floating around Congress for the past few years, and it should save taxpayers $4.4 billion over the next thirty years. The Currency Optimization, Innovation, and National Savings (COINS) Act would replace the $1 bill with the $1 coin. The $1 coin has been in production and circulation since 2000, with an ... Continue reading this article…

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Don’t Take Budgeting Advice From McDonald’s

by Luke Landes
McDonald's ridiculous budget worksheet

I had planned to write about McDonald’s ridiculous budgeting tips for employees when I first saw the news circulating through social media. I’m so far behind with my editorial plan that every last Consumerism Commentary reader has probably heard about this latest manifestation of corporate ignorance of reality by now. Writers of all stripes and ... Continue reading this article…

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Four Psychological Barriers to Long-Term Change

by Luke Landes
Four psychological barriers to long-term change

The concept of success means different things to different people. Ten years ago, my vision of long-term career success would have been getting a job in a great school district as a teacher, teaching for many years, and having a positive effect on the lives of the students who pass through my doors. Financial success ... Continue reading this article…

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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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