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avatar You are viewing an archive of articles by Luke Landes. Luke Landes 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 Luke Landes and follow him on Twitter. View 's Google Profile.

Luke Landes

Insurance Companies Work for Shareholders, Not Customers

by Luke Landes

The entire concept of insurance, particularly public insurance companies with shareholders, is backward. If a company is to survive year after year, it has to make money for its owners. In the case of public companies, executives answer to the board of directors and the shareholders. The goal is, of course, to make money for ... Continue reading this article…

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How I Earn Side Income From (Mostly) Blogging

by Luke Landes

Subscribe to Consumerism Commentary by adding our RSS feed to your favorite reading software. As you know I’ve been writing for Consumerism Commentary since 2003. I’ve been blogging, or chronologically updating websites, since 1994 or 1995, at that time running a web server called “Winhttpd” from the computer in my dorm room. My university did ... Continue reading this article…

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Vanguard Eliminates Commissions on ETF Trades

by Luke Landes

Vanguard seems to be one of those rare companies that wants to give customers more for less. The brokerage recently eliminated transaction fees for their proprietary exchange-traded funds (ETFs). They’ve been offering no-load, no-commission mutual funds, but with mutual funds you don’t have the flexibility to buy or sell while trading is open. While I ... Continue reading this article…

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Personal Balance Sheet, April 2010 ($356,832, +4.5%)

by Luke Landes

About a decade ago, I realized that I needed to track my spending down to the dollar, if not to the penny, to get a grip on my financial condition. It was the start of a long journey for me, one which saw me get out of credit card debt, start earning money, and getting ... Continue reading this article…

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GMAC Changes Name to Ally Financial

by Luke Landes

A year ago, GMAC Bank, or its brand, ceased to exist. In order to distance itself from its parents, General Motors and GMAC Financial Services, the bank changed its name to Ally Bank. With government funding, Ally Bank went on to become a competitive online bank, offering interest rates high enough to draw the ire ... Continue reading this article…

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Continental Airlines to Merge With United Airlines

by Luke Landes

Yesterday, the boards of directors for Continental Airlines and United Airlines agreed to merge the two companies, creating the largest airline carrier. The new company will bear the United name and the Continental brand will cease to exist. If the government approves the merger, like it did recently for Delta and Northwest, there will be ... Continue reading this article…

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Podcast 54: Improving Gas Usage and Saving Money

by Luke Landes

Our guest on today’s episode of the Consumerism Commentary Podcast is Schwark Satyavolu, president and co-founder of BillShrink. Our podcast producer and host, Tom Dziubek, speaks with Schwark about trends and tips for saving money on travel this coming summer. This episode contains a number of suggestions that will help travelers and commuters consume less ... Continue reading this article…

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Ally Bank No Penalty CD

by Luke Landes

Certificates of deposit often offer higher interest rates than savings accounts and money market accounts because the banks expect customers to keep their money locked away in CDs for a predetermined period of time. Most banks discourage withdrawals from CDs by charging a penalty for any withdrawal before maturity. The penalty usually takes the form ... Continue reading this article…

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Biweekly Mortgages: Do It Yourself to Save Money

by Luke Landes

On the surface, it seems like it would make sense to enroll in a biweekly mortgage payment plan. In theory, these biweekly mortgage programs offered by lending servicing companies work by allowing you to send half of your monthly mortgage amount every two weeks. As a result, you make two “extra” biweekly payments each year, ... Continue reading this article…

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Getting a Better and Cheaper Shave

by Luke Landes

One successful retail business model is the concept in which a company sells a main device at a discounted price while the necessary, refillable or replaceable supplies for that device are sold at a premium. One example is the ink-jet or laser printer; the printers are generally priced to be bargains, occasionally included for free ... Continue reading this article…

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