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

February 2012

Bank Switch Kit and Checklist

by Luke Landes
Broken piggy bank

With Wells Fargo changing their policies to be less consumer-oriented this week, I’ve received several questions about the logistics switching banks. In previous decades, closing your account at one bank and opening an account at another was a simple process. All that was required was to walk into one branch, ask to close your account, ... Continue reading this article…

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Buy a Humidifier to Save Money

by Luke Landes

This weekend, I purchased a humidifier supposedly large enough to affect the relative humidity level throughout my apartment. I have a loft area, making heating and cooling my apartment evenly difficult, and I figured I’d need a large humidifier to affect the bulk of my square-footage. I purchased the humidifier mainly to reduce static electricity. ... Continue reading this article…

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Podcast 147: Dollars and Uncommon Sense

by Luke Landes

Today on the Consumerism Commentary Podcast, Bryan J Busch talks to Steve Repak, author of Dollars and Uncommon Sense. They discuss shifting your thinking so that you can develop the traits necessary to keep more of your money. Consumerism Commentary Podcast Dollars and Uncommon Sense: S06E17 / 171 Download – RSS – iTunes Table of ... Continue reading this article…

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Motivation for Multiple Streams of Income

by Evan
Television remote control

This is a guest article by Evan, creator of My Journey to Millions. In the article, Evan discusses what motivated him to move forward with earning multiple streams of income along this journey, and takes a motivational approach to inspire readers to improve their personal finances. Take a moment and just think about what you ... Continue reading this article…

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Flexible Hours in Your Working Environment

by Luke Landes
Clock

The option to work from home has been shown to benefit employees and employers. This type of flexibility in working arrangements, when appropriate based on the employee’s responsibilities, increased productivity and retention for the employer and job satisfaction for the employee. The same benefits apply to working arrangements that include flexible hours. As Margaret Heffernan ... Continue reading this article…

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Slate from Chase Card Review

by Luke Landes

Not every credit card on the market today is out to provide consumers with great rewards, because not every card customer can make the most of those rewards. Credit cards are just tools, and depending on who is wielding them, they could have a positive or a negative effect on that person’s finances. Some people ... Continue reading this article…

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Amazon.com Retail Stores: Another Threat to Small Businesses?

by Luke Landes
Books

I was torn when Amazon.com, the online-only retailer for books, music, and movies, became popular. I liked the convenience, but it was clear that local brick-and-mortar bookstores would have difficulty competing with Amazon’s prices in the long term. I was swayed enough to the side against Amazon when I participated in a boycott of the ... Continue reading this article…

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Unemployed Lawyers Sue Their Law Schools

by Luke Landes
Law school graduation

A group of fresh, unemployed lawyers have banded together to sue law schools. 73 alumni have filed at least fifteen class-action lawsuits, alleging the schools inflated employment figures and salary data to attract students and increase rankings. The real goal of the lawsuits seems to be to effect systemic change in the education industry and ... Continue reading this article…

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Debt Collections: Do You Have To Pay?

by Luke Landes
Clock - time-barred debt

People who borrow money generally understand that they will eventually need to pay borrowed money back to the lender. This understanding, whether codified in a contract or not in any particular case, makes lending and borrowing money work as an economic mechanism. It’s interesting that regardless of what’s written in a contract, most debt can ... Continue reading this article…

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Your Ego and Your Wallet

by Marc Pearlman
Poker chips

This is an article by Marc Pearlman. Marc is a money management professional who has been in the finance industry over 20 years, and he is the author of The Positive Money Mindset and host of the radio show, Your Money Matters. I watched as these two were duking it out — at the poker ... Continue reading this article…

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Podcast 146: Buying a House In Your Early 20s

by Luke Landes

Today on the Consumerism Commentary Podcast, Tom Dziubek talks to MD, founder of the personal finance website Studenomics. MD talks with Tom about topics such as his inspiration for Studenomics, how he got through college without having to pay off student loans, and also about things that people in their early twenties need to consider ... Continue reading this article…

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Are You Concerned About the Very Poor?

by Luke Landes

Whether you agree with it or not, the reason this country has supported programs like welfare, Social Security, the GI Bill, food stamps, Medicare, government-backed mortgages, FEMA insurance, and other social programs is because a modern society benefits when as many citizens as possible have opportunities to succeed financially. Social programs aren’t perfect and don’t ... Continue reading this article…

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Participate in Self-Control Research

by Luke Landes

I’ve written extensively about taking control of your finances. One aspect of the ability to succeed with your financial goals is making active, thoughtful decisions pertaining to your use of money. Uptal Dholakia is a professor of management at Rice University in Houston, and he is currently conducting research pertaining to self-control and decision making ... Continue reading this article…

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Top Ten Personal Finance Start-Ups

by Luke Landes

The financial industry has been mostly static for centuries, with companies doing business and offering services not much different from how the companies operated for earlier generations of consumers. When there is innovation in the industry, it generally comes from smaller companies and entrepreneurs looking to fill a need that isn’t covered by larger, less ... Continue reading this article…

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