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

2013

The Credit Access and Inclusion Act: Should Credit Scores Include Utility Payments?

by Luke Landes
For Rent

A bill is currently being considered by the House Financial Services committee in the U.S. House of Representatives that would make it easier for credit reporting agencies to include both positive and negative bill-paying behavior in credit scores. The Fair Isaac Corporation, which changed its company branding in 2009 to be just FICO though the ... Continue reading this article…

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Anonymous S’s Net Worth, September 2013

by Luke Landes
Anonymous S Net Worth - Naked With Cash

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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A Video About Quantum Leaps in Finance

by Luke Landes

This past weekend (including a few adjacent days) I attended the third Financial Blogger Conference in St. Louis, Missouri. I wrote about the experience in detail on my personal website, so check that out for a full report on the conference. Some of the highlights relevant to Consumerism Commentary include winning the Lifetime Achievement Plutus ... Continue reading this article…

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Kathleen’s Net Worth, September 2013

by Luke Landes
Kathleen's Net Worth, Naked With Cash

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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Calvin’s Net Worth, September 2013

by Luke Landes
Calvin's Net Worth, September 2013, Naked With Cash

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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Should a Consumer Return a Duplicate Shipment?

by Luke Landes
Unexpected shipment

Day one, there didn’t appear to be a problem. Some time earlier, my girlfriend ordered some clothing online. Either she had received a discount to apply to the order or she would receive a future discount in return for placing the order. I’m not clear on the details of the discount, but it’s mostly irrelevant ... Continue reading this article…

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SteveDH Net Worth, September 2013

by Luke Landes
SteveDH Naked With Cash net worth report, September 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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Received a Postcard From Bank of America But No Check?

by Luke Landes
Bank of America Class Action Lawsuits

If you’ve received a postcard from Bank of America informing you that you should expect to receive a check as part of the overdraft lawsuit, but you haven’t received a check, you may be wondering what you can do. Consumerism Commentary receives many questions about these checks because I’ve written about them and the lawsuit ... Continue reading this article…

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JW, September 2013 Net Worth

by Luke Landes
JW Net Worth, Naked With Cash, September 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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Anne and Matt Net Worth, September 2013

by Luke Landes
Anne and Matt Net Worth, September 2013

In the series Naked With Cash, seven Consumerism Commentary readers share their financial progress on a monthly basis. They are joined by Certified Financial Planners who provide feedback on their journey. Read this introduction to learn more about the series. Anne and Matt are twenty-seven years old, living in the Midwest, with two children. Read ... Continue reading this article…

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Failure and Systems Lead to Success, Goals and Passion Lead to Failure

by Luke Landes
Dilbert

Scott Adams, the creator of the “Dilbert” comic strip, recently shared his thoughts about success through an essay in the Wall Street Journal. His premise is that business leaders who share advice for the masses who want to succeed lie about their own experiences. Failure, which Scott Adams feels does not get enough credit, is ... Continue reading this article…

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Adult ADD/ADHD Limits Financial Success

by Luke Landes
Bored Girl

As a kid, I might have had attention deficit disorder (ADD). I was never diagnosed as far as I know, but I had many of the symptoms of the “inattentive” type of ADD, and some of those symptoms continued into adulthood. An actual diagnosis of ADD as an adult would require exhibiting at least six ... Continue reading this article…

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Happiness Is a Choice, Not an Ultimate Goal

by Luke Landes
Smile - Happy

Consumerism Commentary and the articles I write here have changed since I started writing about personal finance in 2003. I’ve personally gone through four financial phases over the thirteen years or so, and because I draw much of my writing from personal experiences, any readers who have been around over the past decade might have ... Continue reading this article…

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The Occupy Debit Card

by Luke Landes
Occupy Banks

Can an organization offer mainstream financial products while being ideologically opposed to the mainstream financial industry? That’s the question I began considering when I first heard that the Occupy Wall Street movement was in the process of developing a prepaid debit card product. The Occupy Debit Card is still just a concept, but if the ... Continue reading this article…

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An Unauthorized Charge From TransUnion: Was My Identity Stolen?

by Luke Landes
Burglar alarm

Earlier this year, the university where I studied as an undergraduate, the University of Delaware, announced that the school had been the victim of a security breach. The announcement indicated that personal information of anyone who had been on the university’s payroll might be compromised, and those who were compromised would receive a letter from ... Continue reading this article…

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Real Financial Progress Requires Quantum Jumps

by Luke Landes
Quantum leap

I don’t completely agree with the “get rich slowly” theory. I accept the fundamental advice, like paying yourself first, making conscious decisions about big financial decisions as well as the full series of small financial decisions, and setting long-term goals, but there is a fundamental flaw with taking this theory as the sole approach to ... Continue reading this article…

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2014 Federal Income Tax Brackets and Marginal Rates

by Luke Landes
Taxes

Anyone who likes getting a look at their future tax expenses might be interested in seeing what next year’s tax brackets and tax rates will be. The IRS has now announced the official rates and brackets for 2014, although the numbers have been predicted for months because the IRS uses a simple process of inflation ... Continue reading this article…

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Should This Reader Enroll in the University of Phoenix Online?

by Luke Landes
University of Phoenix Online

When I was an undergraduate, the World Wide Web was coming into prominence within the world of academics. For years prior to my freshman orientation at the University of Delaware, I had gained a lot of experience and familiarity with the internet as it was at the time — newsgroups, email, bulletin boards, and even ... Continue reading this article…

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SteveDH, August 2013 Net Worth

by Luke Landes
SteveDH Net Worh: Naked With Cash, August 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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Loosening Up After Getting Out of Debt and More Articles

by Lance

Editor’s note: A few times a month, Lance from Money Life and More will stop by to share some of the best articles from across a variety of publications, including other blogs and mainstream media. It may seem like I’ve fallen off the face of the earth here on Consumerism Commentary over the last two ... Continue reading this article…

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