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Universal Life Insurance

by Luke Landes

Every once in a while, I receive financial questions from readers. I am not a financial adviser, so I usually suggest those needing significant assistance with their financial decisions to seek the advice of a professional. However, I don’t mind answering general questions that might be helpful for a wider audience. If you have any ... Continue reading this article…

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Podcast 122: Living Large in Lean Times

by Luke Landes

Today on the Consumerism Commentary Podcast, Bryan talks with professional penny-pincher Clark Howard about some of the more than 250 ways to save money from his new book, Living Large in Lean Times. Bryan and Clark discuss car purchases and insurance, saving on printer ink, college loans, getting free medications and the many new ways ... Continue reading this article…

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Best 12 Month CD Rates, August 2015

by Luke Landes

The best 12 month CD rates may not be impressive overall today compared with historical rates. With the Federal Reserve keeping interest rates low for the near future, all types of deposits will not command the interest rates that were common before the recession. With nowhere to go but up, it may not make a ... Continue reading this article…

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Platinum Card from American Express Review

by Luke Landes

Charge cards have always had a reputation of being not for the average middle-class credit card user, primarily because many come with high annual fees and offer perks that the typical American consumer can’t afford or doesn’t want to pay. While this may be true for most charge cardholders, as long as a consumer doesn’t ... Continue reading this article…

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Retail Marketers Attract Shoppers With 13 to 20 Seasons

by Luke Landes
Cadbury Egg Easter

I always wondered why stores like Target and Wal-Mart added groceries to their already wide variety of products for sale. I figured these stores were attempting to be more of a one-stop-shop for all shopping needs, keeping customers in the store longer, and providing less of a reason to go to the supermarket, grocery store, ... Continue reading this article…

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Are Credit Card Annual Fees Worthwhile?

by Luke Landes

The best credit card deals are often spoiled by an annual fee. Annual fees can range from about $50 to $2,500, with the high end reserved for the super-select American Express Centurion Card (the “black card”). In return for this fee, credit card issuers provide a range of benefits beyond what typical no-fee cards offer, ... Continue reading this article…

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Quicken Loans Review

by Luke Landes

For the time being, S&P’s downgrade on United States debt has yet to produce an increase in mortgage interest rates as some predicted. Borrowers can still find mortgage loans for such a low cost that if they qualify, low interest rates combined with lower house prices would make owning a house more affordable than ever. ... Continue reading this article…

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Warren Buffett Doesn’t Want to Be Coddled

by Luke Landes
Warren Buffett Coddle

Update: The concepts implied by Warren Buffett have formed the basis of President Obama’s Buffett Rule proposal. Warren Buffett is staying in the news. I wrote recently about his desire to continue investing in stocks during market volatility, and today he published an opinion piece in the New York Times. He laid out the facts ... Continue reading this article…

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