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Discover Bank Forced to Pay $200 Million Refund and $14 Million Fine

by Luke Landes
Money Hand Refund

There’s no place for deceptive marketing tactics. Discover Bank‘s credit card customers allegedly found themselves on the receiving end of a sales pitch without knowing it. The Consumer Financial Protection Bureau (CFPB), teamed with the Federal Deposit Insurance Corporation (FDIC), uncovered evidence of slimy sales tactics. In many cases, consumers thought they were adding free ... Continue reading this article…

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Citi ThankYou Premier Card

by Luke Landes

Today’s Citi ThankYou® Premier Card does not offer the same enticing bonus once available. For a period of time, new users were treated to a sign-up bonus of 30,000, 40,000 or even 50,000 ThankYou points. The sign-up bonuses may return in the future, but for now, the benefit is no longer available. Without the sign-up ... Continue reading this article…

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6 Tips for Using New Disposable Income

by Luke Landes
Tiara

Recently, an Ask Metafilter reader announced he is earning enough money to feel rich, with disposable income for the first time in his life. He probably meant discretionary income. If you want to get technical, to have disposable income is everything you earn minus required tax payments. Everyone has disposable income. Discretionary income, however, is ... Continue reading this article…

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6 Milestones for Entering the Middle Class

by Luke Landes
Child reading

If you’re wondering about the chance your child has to breaking into the middle class by adulthood, a new study by the Brookings Institution provides some clues. The study breaks down the financial development of a person from childhood through adulthood into a number of milestones. With the achievement of each milestone, success for the ... Continue reading this article…

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Romney Versus Obama: Who Will Be Better for the Economy?

by Luke Landes
James K. Polk

Here’s a topic that’s sure to get the public crotchety: politics. Just like I don’t talk about the most intimate details of my personal finances with my friends, I generally don’t discuss politics on Consumerism Commentary. I have friends who consider themselves Democrats, other friends who consider themselves Republicans, and others who prefer not to ... Continue reading this article…

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Why I Don’t Make Your Financial Decisions For You

by Luke Landes
Sheep

Some feedback over the nine years of writing about money on Consumerism Commentary indicates that there are some readers — not necessarily daily readers and fans of a website, but those who are searching online about some finance-related topic and are at best passing by any particular website — are looking for quick answers. People ... Continue reading this article…

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Are Consumers Really Concerned About Savings?

by Luke Landes
Savings piggy bank

A survey released by Chase today concluded that 74 percent of Americans are concerned about having enough money in savings, but only 34 percent have increased their savings since the economic downturn. There’s more to the survey, but this fact alone raises more than enough questions to consider for an entire day. What does it ... Continue reading this article…

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Pay Your College Tuition By Selling Companionship

by Luke Landes
Love

When I was an undergraduate in college fifteen years ago or so, I convinced my girlfriend at the time to stay enrolled. She was interested in moving back to her home state and pursuing her degree at a less expensive school, but for some reason, I encouraged her to stay at the university with me, ... Continue reading this article…

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