As featured in The Wall Street Journal, Money Magazine, and more!

June 2008

Guide to Starting Your First Job

by Luke Landes

A reader was kind enough to forward to me a helpful article published by the New York Times, guiding new graduates in the right direction as they take on their first real full-time job. Many graduates have had experience in the work force before, but it’s not until graduation when they can truly begin focusing ... Continue reading this article…

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Carnival of Personal Finance #157: Third Anniversary Edition

by Luke Landes

Welcome to the third anniversary edition of the Carnival of Personal Finance! It’s hard to believe the Carnival has been in operation for so long, traveling to so many different locations week after week, yet here we are, starting the Carnival’s fourth year with a presentation of some excellent articles. Last year’s second anniversary was ... Continue reading this article…

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What’s Your Neighborhood’s Walk Score?

by Luke Landes

If you’re moving into a new neighborhood, it’s usually easy to drive around (or walk around if the new neighborhood is a city) to find amenities and stores within walking distance. If you agree that walking is a necessary exercise, the ability to walk to destinations should be a large factor when deciding where to ... Continue reading this article…

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Quicken 2009 Beta Open to Volunteers for Testing

by Luke Landes

August 25 update: Quicken 2009 is now available for purchase. Consumerism Commentary readers get good discounts here. I’m a heavy user of Quicken, so I’m considering signing up for the “beta test program” of the new version that will be released later this summer. If you’re approved for the beta test program, you will receive ... Continue reading this article…

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McCain vs. Obama: Your Future Tax Bill

by Luke Landes

The nonpartisan Tax Policy Center released a report yesterday that explains in detail the effect that a McCain presidency and an Obama presidency would have on the tax bill for American households. The data are stratified by income range and reflect a wide difference in stated policy between the two candidates. In addition to making ... Continue reading this article…

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New $25 Bonus Promotion Code for ShareBuilder Accounts

by Luke Landes

Updated June 24, 2010. Last month, I praised ShareBuilder for its low fees in a list of the best true discount brokerages. In the past, ShareBuilder has offered free money in the form of account opening bonuses to attract new customers, but these promotions have been missing since ING Direct purchased the brokerage. ShareBuilder has ... Continue reading this article…

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How I Could Find $10,000 Per Year if Necessary

by Luke Landes

Recently, JLP discovered that if he needed to, he could “find” an extra $13,000 per year by cutting back some of his discretionary expenses. By eliminating beer, soda, and a number of other unnecessary but nice expenditures, the savings can add up quickly. (I’m a bit surprised that JLP spends $50 per month on beer. ... Continue reading this article…

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Question of the Day: How Much Vacation Time Do You Use?

by Luke Landes

I’ve been at my current company for six years now. That’s quite an accomplishment as I intended to work for this company for a short time while seeking out something more meaningful. As I’ve stayed with the company while moving around to a variety of departments, I’ve accrued to privilege of taking an increasing number ... Continue reading this article…

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It Was Hot on the Farm, and Weekend Blog Roundup

by Luke Landes

The SPF 50 seemed to do the trick. On Saturday, my girlfriend and I spent seven hours in 100+ degree heat and humid air to experience a number of musical performances at the Appel Farm Arts and Music Festival. To tie this into personal finance, I’ll simply say that it was an expensive day. I ... Continue reading this article…

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Can You Judge a Financial Adviser By Her Own Portfolio?

by Luke Landes

Consider a hypothetical popular financial adviser with $30 million in investable assets. Her (or his) primary clients may average $500,000 of liquid reserves ready to be directed in any manner as instructed. The typical advice these clients may receive likely involve investing mostly in equities through stock index funds. They have low expenses and are ... Continue reading this article…

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Foundations of the Rich and Athletic: What 10 Athletes Do With Their $30,000,000+ Annual Income

by Luke Landes

When you’re a world class professional athlete, you’re in high demand. When you’re the best, or nearly the best, at your particular skill in the developed world, the payoff can be huge. For example, right now, there is no one on this planet who can compare skills with Tiger Woods. Yes, every person in this ... Continue reading this article…

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Passive Income: Real Estate? Blogging? I Don’t Think So

by Luke Landes

There is a certain allure to the idea of “passive income.” After all, who wouldn’t want a continuous stream of income without having to trade your time or effort for it? But true passive income is quite elusive. True passive income can be defined, and is defined by the Internal Revenue Service, as “cash flow ... Continue reading this article…

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Personal Income Statement, May 2008 (Net Income: $9,943)

by Luke Landes

I ended May 2008 by spending $9,943 less than I earned, though I had some help from a $600 tax rebate and an incoming payment for a long-term advertising deal (which already finished its run). In this post, I’ll take a look at my income and expenses for May to determine whether there are some ... Continue reading this article…

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Personal Balance Sheet, May 2008 ($158,793, +7.8%)

by Luke Landes

In order to reach my net worth goal of $210,000 by December 31, 2008, I will need to add $50,000 to my balance sheet. Considering my progress so far this year, it is likely that I’ll fall short. Even if I do, as long as I continue on my path, I’ll still be satisfied with ... Continue reading this article…

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More ING Direct Bonus Codes and Weekend Blog Roundup

by Luke Landes

This week, I blasted through the remaining ING Direct Orange Savings Account $25 bonus codes and thanks to Consumerism Commentary readers, I have many more to give away. I sent out emails to everyone on the waiting list and I’m posting links in the order I receive them, two from every volunteer at first. These ... Continue reading this article…

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