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10 Tips for Avoiding Overdraft Fees

by Luke Landes
Nickel and Dime

Bank of America is settling the overdraft fee class-action lawsuit that alleges the bank knowingly manipulated customers’ deposits and withdrawals in order to maximize the fees they would receive. Although the banks aren’t completely to blame for the proliferation of overdraft fees, policies were so much of a problem that the government and regulators needed ... Continue reading this article…

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How to Qualify for a Mortgage Without a Steady Paycheck

by Luke Landes

It’s been almost nine months since I had a regular paycheck. Last year around this time, I was starting to make my plans for leaving my day job. One of my concerns was the possibility of qualifying for a mortgage with only self-employment income. Banks are still tight with their lending. Although mortgage rates are ... Continue reading this article…

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Should You Stop Saving and Investing When Paying Off Debt?

by Luke Landes

The concept of multitasking, for a person, is a myth. When someone says they are multitasking, they are quick task shifting. We can move our attention quickly from one task to the next, and shift back again, but it’s practically impossible to focus on two different things at the same time. To excel at anything ... Continue reading this article…

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American Express Credit Card Reviews

by Luke Landes

American Express is consistently one of the highest rated credit card issuers. This could be because the customers are demographically different than average Visa and MasterCard customers. American Express customers are generally individuals and businesses with higher credit ratings, and they are more likely to make better financial decisions. Additionally, many American Express cards are ... Continue reading this article…

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The Debt Snowball

by Luke Landes
Debt Snowball

The “Debt Snowball” is one of the most popular methods for approaching a variety of debts, with the intention of paying them off. The process has existed for as long as debt has been around, but the method has been commoditized, packaged, and popularized by a variety of personal finance experts, gurus, and speakers. Dave ... Continue reading this article…

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Spirituality and Money: Hope in Hard Times

by Ellen Cooper-Davis

This article is written by Consumerism Commentary’s new columnist, Ellen Cooper-Davis. Ellen’s column will look at the role of spirituality within the context of personal finance. For an introduction to this column, see Ellen’s first article, The Pastor and the Purse. Your feedback is welcome. “There’s a phrase we live by in America: ‘In God ... Continue reading this article…

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Hurricane Irene Approaching

by Luke Landes
Hurricane Irene

I hope that my town is inland enough to escape the worst of Hurricane Irene, but living near a canal increases the likelihood of flooding. I live in a second-floor apartment, so I don’t need to worry about a flooded basement. I believe I am stocked for the possibility of power loss, though I ventured ... Continue reading this article…

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High-Yield Investing In a Low-Yield Environment

by Investor Junkie
Tokyo Stock Exchange Investing

This is a guest article by Investor Junkie, focusing on alternative investments. This is a broad topic, so this article functions as a brief overview. There are many ideas within that deserve deeper explanation, something I’ll consider for future articles here. Market turmoil is all around us. Last week, the 10-year US Treasury bond went ... Continue reading this article…

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