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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

HSBC Direct Drops Interest Rate to 1.55% APY

by Luke Landes

HSBC Direct must have heard that I was planning to transfer some of my savings to the bank, which until yesterday had been offering 3.0 percent APY. Following other banks that lowered interest rates for the new year, HSBC dropped their interest rate 13 percent to 2.6 percent APY and is now 1.10 percent APY as of June 2010. ... Continue reading this article…

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3 Major Ways to Scrimp and Save in an Economic Recession

by Luke Landes

When the economy is growing and consumer confidence is high, it is common not to think twice about saving money and reducing expenses. If you are saving money every paycheck, investing in a 401(k) or other accounts for retirement, and spending less than you are earning there isn’t much motivation to reduce your expenses further. ... Continue reading this article…

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ING Direct Referral Waiting List Now Open! (Update: List is Full)

by Luke Landes

Once again, I’ve refreshed the list of ING Direct $25 referral links. By using one of these links, a new customer can receive a $25 bonus for opening a new savings or checking account if the initial deposit is $250 or more. As these are “referral” bonuses, the person who provided the link will receive ... Continue reading this article…

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Flexo’s Financial Goals and Resolutions for 2009

by Luke Landes

One lesson I learned this past year, after setting financial goals for 2008 and evaluating my progress as of last week, is that I shouldn’t set goals that are heavily dependent upon forces beyond my control, such as the stock market at large. My main target of a $210,000 “modified net worth” assumed the stock ... Continue reading this article…

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Most Popular on Consumerism Commentary: December 2008

by Luke Landes

One of the best methods of reading Consumerism Commentary and staying up-to-date with the latest articles and posts is through RSS subscription. By subscribing to the Consumerism Commentary RSS feed with feed-reading software such as Google Reader or aggregators such as My Yahoo, you’ll always be aware of new content here. If you prefer to ... Continue reading this article…

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Personal Income Statement, December 2008

by Luke Landes

On Saturday I posted my final balance sheet for 2008 and wrote about my progress this past year. Each month, I take a look at my income and expenses as well to get a fuller picture of my finances. This post contains my income and expense report. December continues to be one of the most ... Continue reading this article…

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Personal Balance Sheet, December 2008

by Luke Landes

The stock market found a way to trash my net worth goal last year. Had the S&P index and my company stock increased in 2008 like they did in 2007, I would have surpassed my net worth goal for the year. Investments have a way of being volatile over short periods of time, and that ... Continue reading this article…

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401(k) Contribution Limits for 2009

by Luke Landes

If you contribute to a 401(k) plan, you may be happy to hear that this year’s contribution maximum is increasing. In 2008, the tax code allowed employees to contribute up to $15,500. Anyone who turned 50 years old in 2008 could also add a catch-up contribution of $5,000 above this limit, bringing the maximum to ... Continue reading this article…

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Filing Your 2008 Taxes With the Economic Stimulus (Recovery Rebate Credit)

by Luke Landes

If you didn’t received a payment from the economic stimulus that was devised by the United States government last year and your situation now qualifies you for the credit, you should claim this amount when filing your 2008 taxes. On the 2008 tax filing forms, there is a line designated to enter this amount, listed ... Continue reading this article…

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When to Begin Investing for a Child’s Education

by Luke Landes

I do not have any children. I am, however, planning to have children at some point in the future. It is part of my long-term vision for my life, despite endless stories from co-workers who seem to have such a difficult time with their own. (These stories are always followed by a confession that they ... Continue reading this article…

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