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The Fall Of Blockbuster: A Lesson On Keeping Your Business Model Current

About 15 years ago, Blockbuster dominated the video rental market.  At its peak, it operated over 3,000 retail stores both in the United States and abroad.  By 1999, it owned a 30% market share easily outdistancing rivals Hollywood Video and Movie Gallery.  Even though the video rental market was maturing, Blockbuster was the unquestioned king […]

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Look At Total Compensation Instead Of Salary When Evaluating Pay

Let’s face it.  Now is not exactly the best time to be looking for a significant increase in your salary.  Even if you’re a top performer, a lot of companies just aren’t opening up the coffers like they used to.  With the unemployment rate still around 9%, there are a lot of workers out there […]

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Will Closing a Credit Card Improve Credit Score?

There’s no definitive answer to this question because canceling a credit card will affect credit score in more than one way and the impact could be either positive or negative. To see what I meant, let’s first take a look at how a FICO score is determined. Obviously, there’s no way we can know what […]

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What Age Is The Right Age To Retire?

My parents have been retired for a good dozen years or so now.  They’re your typical middle class working couple.  They worked hard for many years.  Always made sure my brother and I had what we needed.  Helped put us both through college as much as they were able.  They’re the textbook definition of a […]

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What Makes A Good Checking Account

I feel like lately I’ve been inundated with checking account offers.  I get them in the mail.  I see them online.  They’re all over the business section of the newspaper.  With banks offering up to a couple hundred bucks to open a new checking account, I can see why these advertisements get the responses they […]

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Use ChargeSmart to Pay Mortgage?

If possible, would you use credit cards to make mortgage payments? As the single largest payment that we have to make each month, I would love charge our monthly mortgage on a rewards credit card if we could. It’s not about having some 30-day delay in paying the credit card bill, because the delay only […]

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ING Direct Kids Savings Account Review

ING Direct Kids Savings Account is a better way to teach children about money and saving. A few years ago, when I was quite active on Amazon Marketplace selling books and electronic devices, I opened a savings account at ING Direct for my daughter so that I can save the money from selling those stuff […]

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Big Banks Are Eliminating Free Checking Accounts

A while ago, we talked about how free checking may be ending as banks, big and small, adjust their business models after regulatory changes in recent years. The new laws, which essentially changed how banks issue credit cards and collect overdraft fees, are supposed to protect consumers from banks’ predatory practices, but it seems that the new […]

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