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Is It Time to Give Up On the Stock Market?

by Luke Landes

I’ll admit I’m nervous with my investments right now. Back at the beginning of May, the stock market, as measured by the S&P 500 and other indices, dropped sharply. This was around the time of the “flash crash,” and it appeared to me that the value of my primary vehicle for investment, VTSMX, fell irrationally. ... Continue reading this article…

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Local or Online Stores: Pay More for the Personal Touch?

by Luke Landes

About a month ago, I spoke with Tom Dziubek about frugal photography for the Consumerism Commentary Podcast. The frugal philosophy is simple: always pay the least for the level of quality you want. In a field like photography where electronic equipment is the focus, your best friends are Amazon.com, eBay, Craigslist, and specialty stores like ... Continue reading this article…

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Discover Bank’s IRA CDs: High Interest Rates, FDIC Guarantee

by Luke Landes

With thirty years or so until retirement, I haven’t considered investing in certificates of deposit in my retirement accounts, money I would hopefully have no need to touch for decades. Despite recent problems, the stock market is expected to provide the best returns, even with risk, over a long period of time. But not everyone ... Continue reading this article…

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Contact a Taxpayer Advocate to Help Resolve Tax Issues

by Luke Landes

A year ago, the first-time home buyer credit was still rather new, and the IRS began allowing taxpayers to amend their 2008 tax returns to receive the credit early. At that time, if documentation was in order, it took about six weeks to receive a check for the $8,000 credit. That didn’t last long. Within ... Continue reading this article…

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18 Year Old Buys Investment Property With Hog Money

by Luke Landes

Lindsay Binegar, now nineteen years old, has been raising hogs on her family farm in Highland County, Ohio, since she was at least four years old. That was the age at which she showed her first hog and earned $100. Since that time, Lindsey entered hogs in competitions, saving every penny she earned from these ... Continue reading this article…

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New Small Business Health Care Tax Credit

by Smithee

Yesterday the IRS issued the first set of rules for small businesses to benefit from a tax credit signed into law as part of the Affordable Care Act. Detailed guidelines with examples are available (PDF), but to summarize: the credit is available to small employers that pay at least half the cost of single coverage ... Continue reading this article…

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Suggestions For Women Seeking a Raise

by Luke Landes

The New York Times is running a feature designed to help women negotiate for and receive a raise from their employer. Even in today’s progressive society in the workplace, women earn less than men for the same job, even after controlling for factors like time away from the workforce for childcare. According to the article, ... Continue reading this article…

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Smithee Debt Update, Mid-May 2010

by Smithee

Happy Vacation-makes-finances-a-bit-messy Friday! It’s been about a month since my last credit card debt update. Since then, we managed to pull off something akin to a coup or a miracle. With help from my wife’s bonuses (which are only considered miraculous because mis-management at her company makes those difficult to realize), we were able to ... Continue reading this article…

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