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

2014

Naked With Cash: Betsey S, July 2014

by Luke Landes
BetseyJul2014i

Naked With Cash is an ongoing series at Consumerism Commentary in which readers share their households’ finances with other readers. These participants benefit from the accountability that comes from tracking their finances publicly and the feedback of the four expert Certified Financial Planners (CFPs). For more information, read this introduction. This year, we have four ... Continue reading this article…

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Naked With Cash: Laura and Leon, July 2014

by Luke Landes
Laura and Leon - Naked With Cash

Naked With Cash is an ongoing series at Consumerism Commentary in which readers share their households’ finances with other readers. These participants benefit from the accountability that comes from tracking their finances publicly and the feedback of the four expert Certified Financial Planners (CFPs). For more information, read this introduction. This year, we have four ... Continue reading this article…

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Naked With Cash: Jake and Allie, July 2014

by Luke Landes
Jake and Allie - Naked With Cash 2014

Naked With Cash is an ongoing series at Consumerism Commentary in which readers share their households’ finances with other readers. These participants benefit from the accountability that comes from tracking their finances publicly and the feedback of the four expert Certified Financial Planners (CFPs). For more information, read this introduction. This year, we have four ... Continue reading this article…

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Naked With Cash: Brian, July 2014

by Luke Landes
Brian - Naked With Cash 2014 Net Worth

Naked With Cash is an ongoing series at Consumerism Commentary in which readers share their households’ finances with other readers. These participants benefit from the accountability that comes from tracking their finances publicly and the feedback of the four expert Certified Financial Planners (CFPs). For more information, read this introduction. This year, we have four ... Continue reading this article…

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Quicken 2015 for Mac Review and Giveaway

by Luke Landes
Quicken 2014/2015 Mobile App

I have one free download code for Quicken 2015 for Mac to give away to a lucky reader. Instructions are at the bottom of this article. It’s been nine years since Intuit released a version of Quicken that was both fully-featured and designed to run on Apple’s hardware and operating systems. The Quicken Essentials for ... Continue reading this article…

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Wells Fargo Improving Transaction Posting Order

by Luke Landes
Wells Fargo

Banks typically look for every possible instance to charge customers to fees. That’s why it’s particularly important to stay aware of your bank account balances. With the increasing popularity of automatic payments (outgoing) or automatic withdrawals (pulls), a poorly timed deposit can result in overdraft fees or insufficient funds (NSF) fees. A few years ago, ... Continue reading this article…

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Should You Take the ALS Ice Bucket Challenge?

by Luke Landes
Conan O'Brien - ALS Ice Bucket Challenge

If you’ve been online in the past week or two, you have no doubt seen viral videos of strangers — and maybe even your friends — dumping buckets of ice over their heads. There is a charitable cause behind these videos. Most, or at least some, of the cold, soaked folks are accepting the challenge ... Continue reading this article…

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FICO Score 9: Fair Isaac Changing Credit Score Algorithm Again

by Luke Landes
Loans

FICO Score 9 is an improvement over FICO 08, and may be more consumer friendly and fair. But will it have any overall effect for consumers?

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Beware the Inspirational Story or Your Wallet Will Suffer

by Luke Landes
Story

Storytelling is powerful, and is the smart marketer’s tool for separating consumers with their money. Watch out for inspirational stories.

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How Depression Threatens Financial Well-Being

by Luke Landes
depression

Depression prevents people from making what other would consider “logical” financial decisions.

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15 Actions Families Are Taking Today to Make College More Affordable

by Luke Landes
Graduation

Sallie Mae’s recent report explains the results of the latest survey on how American families pay for college.

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Naked With Cash: Betsey S, June 2014

by Luke Landes
Betsey - Naked With Cash

Betsey offers her mid-year financial update for Naked With Cash.

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Naked With Cash: Laura and Leon, June 2014

by Luke Landes
Laura and Leon - Naked With Cash

Laura and Leon present their latest financial update for Naked With Cash.

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Naked With Cash: Brian, June 2014

by Luke Landes
Brian - Naked With Cash

Brian shares his mid-year financial update for his latest Naked With Cash report.

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Naked With Cash: Jake and Allie, June 2014

by Luke Landes
Jake and Allie - Naked With Cash

Jake and Allie share their mid-year financial update for Naked With Cash.

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How Does a Company Care About Its Employees?

by Luke Landes
Building

I’m in the middle, well probably the beginning, of a long-term organization project. I’ve accumulated a lot of stuff over the years, particularly since moving into a larger apartment seven years ago. If I want to live a more mobile life, I need to downsize somewhat. In this process, I came across a plaque I ... Continue reading this article…

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Does Getting Married Increase Wealth and Income?

by Luke Landes
Marriage

The Urban Institute has issued a report stating the Millennial generation will have the lowest rates of marriage by age 40 than any previous generation. The report contemplates a variety of reasons for this shift, including a reduced role of marriage in a family household and the effects of the latest recession. But what does ... Continue reading this article…

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Overcoming Competitive Inertia: Stop the Comparisons!

by Luke Landes
Marching Band

I grew up in competition. It was a part of my life, all over the place. And sometimes competition moved me to push my self far, motivating me to be excellent, and in other cases, competition broke down my will to excel. An individual reacts to competition different depending on the psychological factors, the situation, ... Continue reading this article…

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Microsoft to Lay Off 18,000 Employees: How an Acquisition Affects Your Job

by Luke Landes
Microsoft

Over the next year, Microsoft’s executive management plans to lay off 18,000 employees, including factory workers and those in professional positions. Redundancy. As Microsoft acquired new companies, at least according to the news reports that tend to take a company’s press release and spokesperson responses at face value, they have the potential to take advantage ... Continue reading this article…

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Wealthy Shanghai Teens Are More Financially Savvy Than Average Americans

by Luke Landes
OECD Chart

The Organisation for Economic Co-operation and Development (OECD) recently conducted a study, presenting a financial literacy test to fifteen-year-olds around the world, and has now published the group’s findings. The sample included 29,000 teens from eighteen countries (or, in the case of Belgium and China, two communities, Flemish and Shanghai). The test is designed to ... Continue reading this article…

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