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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 Checking $50 Bonus

by Luke Landes

(Ed. note: ING Direct became Capital One 360 in 2013.) I’m aware that many regular Consumerism Commentary readers already have ING Direct savings accounts. Those who have been reading this website since the beginning know that I’m a fan. Their interest rates may not be at the top of the chart these days, and there ... Continue reading this article…

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Ink Classic Business Card

by Luke Landes

You may have noticed that I’ve reviewed a few different versions of the Chase Ink small business product line, including a charge card designed for ultimate purchasing power and a cash back card offering big bonuses for maximum spending. The Ink Classic® Business Card is a rewards business card offering bonus points in addition to ... Continue reading this article…

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Government Shutdowns, Late Paychecks, and Real Motivation

by Luke Landes

People who work for the federal government are concerned today. A shutdown of the federal government due to the lack of functional ability within the Congress might result in delayed paychecks for many government workers. Worse, if the furlough affects workers who handle Social Security payments, people relying on the government for income will not ... Continue reading this article…

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The Saver’s Dilemma

by Luke Landes

At Consumerism Commentary, I’ve been writing about putting money into high-yield savings accounts for as long as this website has been around. Just as people started getting the message, banks pulled the rug out from under their customers. The Federal Reserve made cash easy and cheap from banks to access, and since the low federal ... Continue reading this article…

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Discover More Card Review

by Luke Landes

Twenty years ago, Discover was considered the joke of the credit card world. Discover cards weren’t accepted anywhere, and people who owned a Discover card were sometimes embarrassed to take it out of their wallets. Even just a few years ago, Discover was the butt of a joke on the cartoon Family Guy, where Peter ... Continue reading this article…

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Working With a Financial Adviser: Selecting the Right Planner

by Luke Landes

This is a series on finding, selecting, and working with financial advisers or planners. Recently, I evaluated the types of financial professionals and described the various professional certifications to help readers start on the right track. This article looks at the research you can do to narrow down your choices, getting you to your initial ... Continue reading this article…

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How to Track Gold and Silver Bullion in Quicken

by Luke Landes
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Despite the convenience of Mint.com for tracking personal finances, it’s not flexible and in-depth for my needs. I’ve stuck with Quicken as a desktop program for many years. It’s unlikely I’ll move my data to the “cloud” until Mint.com or a similar service provides all the functions included in Quicken. Even the desktop version of ... Continue reading this article…

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Increase Your Credit Score

by Luke Landes
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Somewhere along the line, American consumer society has progressed to the point where access to debt is almost essential to living a middle class life. If owning a house is the modern American dream, most Americans wouldn’t be able to achieve this without the help of the finance industry. As a result, our finances rely ... Continue reading this article…

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Citibank Changes Overdraft Procedure: Fewer Fees

by Luke Landes

At the end of March, Fifth Third Bank changed its procedure for dealing with overdraft fees. When a customer has many debits (withdrawals) posting on the same day, and they are not real-time debits, banks often start with the largest amount. Ordering the debits from largest to smallest ensures that customers who do not have ... Continue reading this article…

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Personal Balance Sheet, March 2011 ($664,370, +7.4%)

by Luke Landes

My financial for March are finalized enough for me to publish the numbers. Although I like the reports I post every month to be as accurate as possible, there are often things I forget or haven’t been finalized, like income from additional sources or bills from vendors. Unfortunately, last month’s net worth has been revised ... Continue reading this article…

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