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avatar You are viewing an archive of articles by Luke Landes. Luke Landes, also known as Flexo, is the founder of Consumerism Commentary. He has been blogging and writing for the internet since 1995 and has been building online communities since 1991. Find out more about him and follow Luke Landes on Twitter. View 's Google Profile.

Luke Landes

ING Direct Electric Orange Raising Credit and Margin Rates

by Luke Landes

On May 16, ING Direct will change the rate is uses to determine the cost of overdrawing the Electric Orange checking account. ING Direct’s overdraft system is a little like Passover, where we ask how this bank is different than all other banks. Rather than charging an overdraft fee if you send an electronic check ... Continue reading this article…

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Why Airlines Continue to Add Fees

by Luke Landes

I don’t like the fact that when I think I know how much it will cost me to travel round-trip from where I live to where some of my family lives, New Jersey to California, there always seems to be new fees I hadn’t considered. I’ve managed to eliminate most of these extra fees by ... Continue reading this article…

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Blue Sky from American Express Review

by Luke Landes

Most American own multiple credit cards, sometimes as many as ten. Is this overkill, even though credit cards can be valuable tools? Perhaps. For anyone who optimizes credit card rewards, while trying to minimize the typical effect of increased spending when the method is plastic rather than cash, owning one credit card isn’t enough. Using ... Continue reading this article…

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Are Stocks Too Risky?

by Luke Landes
Cliff climbing

When it comes to investing for the future, there appears to be an interesting dichotomy. The typical financial advice marketed to the middle class — upper and lower — calls for long-term growth through investing in the stock market. The typical sales pitch — and I use “sales pitch” as a general term, not necessarily ... Continue reading this article…

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Chase Eliminating Debit Card Rewards

by Luke Landes

JP Morgan Chase Bank is not done changing its programs in apparent response to new regulations against fees. The large bank is increasing ATM fees to $5 for non-customers and considering limiting debit card transactions to $50 or $100. Now, Bloomberg News is reporting that they are eliminating their debit card rewards program. Debit card ... Continue reading this article…

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Capital One ShareBuilder Review

by Luke Landes

I’m not a frequent trader. With my long-term view of investing, looking at stocks every day and executing costly trades does not make sense for my approach to my own finances. My strategy does not involve trading stocks or ETFs, timing the market in search of better returns. That being said, once in a while, ... Continue reading this article…

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AT&T Acquiring T-Mobile USA: Today’s Mobile Phone Options

by Luke Landes

This weekend, AT&T announced its plans to buy T-Mobile USA for $39 billion, pending regulatory approval. The new company would be the leading mobile telephone (and data) service provider in terms of customers. With the new AT&T soaking up 39 percent of the mobile market, and with Verizon Wireless at a close second at 31 percent, this ... Continue reading this article…

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Podcast 100: National Financial Capability Challenge

by Luke Landes

Today’s guest on the Consumerism Commentary Podcast is Carrie Schwab-Pomerantz, President of The Charles Schwab Foundation, which is sponsoring the National Financial Capability Challenge as well as the Make Change Count program. Consumerism Commentary Podcast #100 National Financial Capability Challenge: S04E22 / 124 Adobe Flash required Download – RSS – iTunes Table of contents [00:00] ... Continue reading this article…

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The Best Secured Credit Cards, April 2014

by Luke Landes

Even though credit card companies make money on consumers who use them poorly, a consumer with poor credit will have a very hard time getting approved for an unsecured line of credit. One of the few ways someone with a bad credit history can improve their credit score is by signing up for a secured ... Continue reading this article…

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Working With a Financial Adviser: Whom Do You Trust?

by Luke Landes

This is a new series on finding, selecting, and working with financial advisers and planners. A few days ago, a friend asked me on Twitter whether I had any articles on this topic. While I had a few old posts marginally related to financial advisory, I didn’t have anything in-depth. People consider working with financial ... Continue reading this article…

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