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The Poverty Rate Remained Flat Last Year

by Luke Landes

In 2011, the percentage of Americans living in poverty declined from 15.1 percent to 15.0 percent according to the census figures released within the last few days. According to the Census Bureau, this is not a statistically significant change, meaning the number of Americans in poverty, 46.2 million, is roughly the same as in 2010. ... Continue reading this article…

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5 Tips for Dealing With the Job Shift Away From the Middle Class

by Luke Landes
Battersea

The middle class fared the worst in terms of job losses throughout the recession. The National Employment Law Project has consolidated findings from its studies and found that while there has been some economic recovery in the employment sector following the recession, the recovery changed the nature of the job market. Jobs with a mid-tier ... Continue reading this article…

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You Can’t Take It With You

by Luke Landes
Beach

According to a recent study by the National Bureau for Economic Research, 46.1 percent of retirees die with a net worth of less than $10,000. There are two ways to achieve this outcome. The first is for those with a comfortable level of wealth in retirement. Wealth does an individual no good after he or ... Continue reading this article…

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Crowdfunding, From Start-Ups to Popular Musicians

by Luke Landes
Crowdsurfing

Starting a new business that has up-front costs can be one of the most frustrating things about being an entrepreneur. I suppose there are many people out there who don’t mind going to friends and family, begging for money, promising great returns, and ignoring the risk inherent both in starting a business and in borrowing ... Continue reading this article…

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Should Congress Eliminate the Capital Gains Income Tax?

by Luke Landes
Paul Ryan

Presidential candidate Mitt Romney has selected a running mate, Paul Ryan, who has proposed eliminating the income tax on capital gains. The Vice President of the United States doesn’t have the authority to change the tax law, of course, so there’s no reason to think this idea or the rest of Ryan’s fiscal plan will ... Continue reading this article…

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Family Net Worth Down Significantly After Recession

by Luke Landes
Family Net Worth

The Federal Reserve’s survey of family finances in 2010, released recently, provides a picture of how devastating the recession has been to families’ financial conditions. Family income and net worth both declined from 2007 to 2010 across all slices of demographics, but the decline in net worth was much sharper. The Federal Reserve’s report on ... Continue reading this article…

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High School Graduates Without College Degrees Want More Education

by Luke Landes
High school graduate

A survey of high school graduates from 2006 through 2011 who have not earned bachelor degrees and who are not currently enrolled in college shows that a strong majority are not happy with this aspect of their lives. The survey was conducted by the John J. Heldrich Center for Workforce Development at Rutgers University, who ... Continue reading this article…

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Banks Could Make It Easier to Close Accounts

by Luke Landes
Dollar bill

Closing a bank account in the twenty-first century, when a good portion of your banking is handled electronically, can be a cumbersome task. I created a bank switch kit earlier this year to help consumers organize their actions and take the correct steps to move your money from one bank to another without encountering any ... Continue reading this article…

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