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

2013

Replace the Dollar Bill With the Dollar Coin: The COINS Act

by Luke Landes
Dollar coins

A proposal has been floating around Congress for the past few years, and it should save taxpayers $4.4 billion over the next thirty years. The Currency Optimization, Innovation, and National Savings (COINS) Act would replace the $1 bill with the $1 coin. The $1 coin has been in production and circulation since 2000, with an ... Continue reading this article…

6 comments Read the full article →

SteveDH, June 2013 Net Worth

by Luke Landes
SteveDH Net Worth, June 2013, Naked With Cash

Naked With Cash is the year-long series on Consumerism Commentary where seven readers’ households share their financial progress on a monthly basis. I’ve partnered with financial planners who will offer some guidance along the way. Read this introduction to learn more about the series. SteveDH is retired, and he and his wife have two grown ... Continue reading this article…

2 comments Read the full article →

Anne and Matt, June 2013 Net Worth

by Luke Landes
Anne and Matt, June 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…

2 comments Read the full article →

PNC Offers Videos and Interaction With Financial Advice

by Luke Landes
PNC Achievement Sessions

Last week, I criticized the McDonald’s corporation for producing a website and a toolkit, aimed at their employees, designed to help those employees tackle the financial obstacles they are most likely to face. My first point was that financial literacy education hasn’t been proven to help the most needy, and in some studies, has been ... Continue reading this article…

3 comments Read the full article →

LastDollar, June 2013 Net Worth

by Luke Landes
LastDollar Net Worth, June 2013

Naked With Cash is the year-long series on Consumerism Commentary where seven readers’ households share their financial progress on a monthly basis. I’ve partnered with financial planners who will offer some guidance along the way. Read this introduction to learn more about the series. LastDollar’s update this month includes her net worth as of the ... Continue reading this article…

3 comments Read the full article →

JW, June 2013 Net Worth

by Luke Landes
JW Net Worth, June 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…

11 comments Read the full article →

Don’t Take Budgeting Advice From McDonald’s

by Luke Landes
McDonald's ridiculous budget worksheet

I had planned to write about McDonald’s ridiculous budgeting tips for employees when I first saw the news circulating through social media. I’m so far behind with my editorial plan that every last Consumerism Commentary reader has probably heard about this latest manifestation of corporate ignorance of reality by now. Writers of all stripes and ... Continue reading this article…

23 comments Read the full article →

IRA Balances At Five-Year Highs: Time for a Retirement Check-Up

by Luke Landes
IRA balances at an all-time high

Thanks to the stock market’s upward trend since the recession (if the trend hadn’t been upward, we couldn’t say “since the recession”), policy changes that allow investors to convert traditional IRAs to Roth IRAs without limit other than the income tax bill, and perhaps even younger savers inspired to plan for their retirement by saving ... Continue reading this article…

1 comment Read the full article →

Variable Annuities Customers Facing Benefit Reductions

by Luke Landes
Money - Variable Annuities

When people find out I’ve been writing a blog about personal finance for ten years — yes, it seems crazy, but the tenth anniversary of Consumerism Commentary is Tuesday — they recognize it is an opportunity to share their financial troubles and triumphs. I’m a good listener. For the most part, I am happy to ... Continue reading this article…

5 comments Read the full article →

Debit Card Pay: Extra Fees or Money-Saving Opportunity?

by Luke Landes
McDonald's Pay Via Debit Cards

Last month, a McDonald’s employee in Pennsylvania sued her employer to receive all of her rightful wages. This was a class-action lawsuit for the benefit of all employees now faced with an annoying trend. Employers are forgoing paychecks and direct deposit in favor of distributing wages on prepaid debit cards. Here’s how it works. When ... Continue reading this article…

7 comments Read the full article →

Can Free College Education Work in Oregon or Anywhere Else?

by Luke Landes
Tuition-Free Education in Oregon

While in Portland, Oregon the past few days, I was struck by the news that the state’s legislature passed a bill to “Pay It Forward, Pay It Back,” allowing students to attend college for free initially, then paying tuition as a percentage of their income for a set number of years. Many of the national ... Continue reading this article…

6 comments Read the full article →

Responsibility Without Authority

by Luke Landes
Soldiers

A past employer had a hard time keeping his employees from running away within three years of starting their jobs; for this small organization, the turnover rate was high, and without consistency, the organization compromised the service it intended to provide and the mission that was its essence. There is nothing unique to this situation; ... Continue reading this article…

7 comments Read the full article →

I’m a Landlord, Budget Stress, and Retirement Plans

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. I (Luke) am currently in Portland, Oregon, attending the World Domination Summit, a conference that is not as politically disruptive as the ... Continue reading this article…

2 comments Read the full article →

Income-Based Repayment Student Loan Plans

by Luke Landes
College Graduate

In his latest Naked With Cash update, participant JW discussed his student loans. Due to his income, which happens to be at a low level, the amount he owes each month to pay back his education loan is zero. How is this possible? He enrolled in a feature for low-income households with certain types of ... Continue reading this article…

2 comments Read the full article →

Get Motivated Out of a Business Slump

by Tom Drake
Get out of a slump

This is a guest article by Tom Drake, the founder of Online Money, where he writes about his online business techniques. Tom is helping me (Luke Landes) organize this year’s Plutus Awards, an award ceremony honoring the best financial blogs, bloggers, products and services, which will be featured at this coming October’s Financial Blogger Conference. ... Continue reading this article…

0 comments Read the full article →

Capital One 360 Independence Day Sale

by Luke Landes
Capital One 360 Account Overview

Capital One 360, the online bank formerly known as ING Direct, is offering special deals for new customers. I’m a long-time customer, and I opened my account when ING Direct was offering one of the best interest rates available among online savings accounts. The interest rate, like all interest rates, has shrunk over the course ... Continue reading this article…

1 comment Read the full article →

Anonymous S, May 2013 Net Worth

by Luke Landes
Anonymous S Naked With Cash, May 2013

Naked With Cash is the year-long series on Consumerism Commentary where seven readers’ households share their financial progress on a monthly basis. I’ve partnered with financial planners who will offer some guidance along the way. Read this introduction to learn more about the series. This month, the participants and experts will be discussing retirement as ... Continue reading this article…

0 comments Read the full article →

Calvin, May 2013 Net Worth

by Luke Landes
Calvin Net Worth, May 2013

Naked With Cash is the year-long series on Consumerism Commentary where seven readers’ households share their financial progress on a monthly basis. I’ve partnered with financial planners who will offer some guidance along the way. Read this introduction to learn more about the series. This month the participants are discussing retirement. Calvin is in his ... Continue reading this article…

2 comments Read the full article →

Citi ThankYou Preferred Card – Low Intro APRs Review

by Joe Taylor Jr.

The Citi ThankYou® Preferred Card – Low Intro APRs brings a flexible rewards program to a wider audience, with some unexpected perks and privileges for a no annual fee card. However, if you’re already packing a travel rewards card or a cash back card, you might find this account a little underwhelming. Earning 1 ThankYou Rewards point ... Continue reading this article…

0 comments Read the full article →

How to Start a Conversation About Money

by Luke Landes
How to start a conversation about money

Talking openly and honestly about money, whether with friends or family, has its benefits. Starting a conversation can be difficult, particularly if one party to the discussion is at a different place financially than the other party. Sometimes, it’s even a better choice not to discuss money if doing so might stand in the way ... Continue reading this article…

2 comments Read the full article →
Page 6 of 12« First···45678···Last »