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Why Some People Can’t Save: A Matter of Urgency

by Luke Landes
Urgency and importance matrix

When I worked for a large corporation, I was around people who liked to operate their business responsibilities with a sense of urgency. Every little task was important, and they ran around the office like the company’s stock price depended on the speed at which they completed their tasks. It’s not a terrible way to ... Continue reading this article…

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Is Your Alma Mater a Worthwhile Charity?

by Luke Landes
University

I attended two colleges. My undergraduate degree was earned at a university that is considered both private and public; it has a private charter and obtains a good portion of its funding from the private sector, but it does receive some state assistance and was a land-grant university. Years after completing my bachelor’s degree, I ... Continue reading this article…

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Should You Work for a Non-Profit Organization?

by Luke Landes
Non-Profit

As I’ve mentioned often on Consumerism Commentary, after a a false start or two with jobs following my undergraduate studies, I started my career working for a non-profit organization involved in the arts. I followed one of my passions without considering my financial needs. I want to be able to look back and see that ... Continue reading this article…

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Don’t Let Cyberbegging Affect Your Charitable Plan

by Luke Landes
Cyberbegging

I’m a sympathetic person. I really am, and sometimes my sympathy has aided me in making bad choices. But I have no patience for people who pretend to be in some kind of destitute condition, a performance entirely possible through the anonymity on the internet, and beg for money. It’s a strategy — a scam ... Continue reading this article…

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Online Shopping: Credit Card or Debit Card?

by Luke Landes
Credit Cards vs Debit Cards

The conclusion begins this article. If you’re shopping online, it’s better to use your credit card, not your debit card, in almost all cases. For someone just beginning to focus on improving one’s finances, this seems to be the wrong conclusion. After all, in theory, with a debit card you can spend only what’s in ... Continue reading this article…

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SteveDH, October 2013 Net Worth

by Luke Landes
SteveDH Naked With Cash - October 2013

In Naked With Cash, seven anonymous Consumerism Commentary readers publicly track and analyze their finances on a monthly basis. For almost a decade, I tracked my own finances on Consumerism Commentary; now I’m sharing the benefits of public accountability with the participants. I’ve partnered with financial planners who will offer some guidance along the way. ... Continue reading this article…

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Black Friday Deals: Don’t Fall for These Dirty Tricks

by Luke Landes
Black Friday Dirty Tricks

For some reason, this year I’ve been bombarded more than any other year by advertisements for Black Friday deals. The marketing is coming from helpful people who just want to share the good news with their friends, people who are clearly paid to spread the messages, and retailers who simply want people to buy as ... Continue reading this article…

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Money Systems That Lead to Success: Automatic Savings

by Luke Landes
Make Savings Automatic

Last month, I wrote about the opinions of Scott Adams on his eventual success as the creator of the comic strip Dilbert. I focused on the failure aspect of the article he wrote for the Wall Street Journal, and I only touched lightly on the success factors. A system, a methodical way of approaching any ... Continue reading this article…

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