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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

Most Popular on Consumerism Commentary: January 2009

by Luke Landes

Monthly subscription reminder 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 ... Continue reading this article…

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Unemployment Checks at an All-Time High, Dilbert Unemployed

by Luke Landes

As the economy continues to trudge along, more people are submitting claims for unemployment benefits. In the week ending January 17, more than 4,776,000 Americans received checks from the government to cover job loss, an increase of 61 percent over the same week last year. This number includes 588,000 individuals who filed for unemployment for the ... Continue reading this article…

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HSBC Direct Drops Interest Rate to 1.55% APY

by Luke Landes

The way banks are dropping interest rates on savings accounts, you would think they don’t want your money. Most “high-yield” savings accounts now offer rates well under 3 percent. HSBC Direct is the latest to announce an interest rate cut, from 2.6 percent to 2.45 percent APY and is currently at 1.55 percent as of May 2009. Obviously there ... Continue reading this article…

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8 Things Banks Can Do to Make Online Banking Safer

by Luke Landes

Banking online by visiting a bank’s website directly to perform typical transactions like checking your balance, reviewing and reconciling your recent transactions, paying bills, or transferring money, is generally safer than doing the same in person, whether at an ATM or a teller. Your information is encrypted and you can take care of your business ... Continue reading this article…

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How Obama’s 2009 Economic Stimulus Will Affect You

by Luke Landes

If President Obama’s economic stimulus plan is signed into law is it currently stands, individuals stand to receive a tax credit of $500 and couples stand to receive a tax credit of $1,000. Provided you’re not disqualified for earning too much money, $75,000 for an individual or $150,000 for a couple. Taxpayers might receive this ... Continue reading this article…

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$350 Billion Additional TARP Funds to Go to Banks

by Luke Landes

It won’t be long before the second half of the original Troubled Asset Relief Program (TARP) funds are authorized to be distributed to banks to help prop up the economy. This $350 billion, or even more, is following the first $350 billion that banks received. While the government’s public intent was for the banks to ... Continue reading this article…

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How Will You File Your Taxes?

by Luke Landes

I’ve started receiving W2s, 1099s, and a variety of other tax-related documentation in the mail and online, which means one thing: It is time to get serious about determining my final tax liability. If I planned right, I will have paid just enough between estimated taxes and withholding to avoid an underpayment penalty, but it’s ... Continue reading this article…

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More From Visa About Debit Cards

by Luke Landes

Last month, a representative from Visa offered to answer a few questions for Consumerism Commentary readers about debit cards. It many ways, I find debit cards to be inferior to credit cards, but Visa claims the cards linked directly to bank accounts have some redeeming qualities. Here are three additional questions I asked Visa and ... Continue reading this article…

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Your TARP Money Put to Good Use

by Luke Landes

About the author: Jeff Rose is an Illinois Certified Financial Planner™ and co-founder of Alliance Investment Planning Group. He is a veteran of Operation Iraqi Freedom, having served in the National Guard. Warning: For those of you that have been laid off recently, received a pay cut due to the recent economic crisis or frustrated ... Continue reading this article…

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New Interest Rates at ING Direct, $25 Bonuses Still Available and Going Relatively Quickly

by Luke Landes

As of earlier today, ING Direct, one of my choices among the best high-yield online savings accounts, has lowered the interest rates offered on its savings and checking accounts. The bank has lowered the yield on its savings account from 2.5 percent to 2.4 percent APY, while the rates on the two upper tiers of the checking ... Continue reading this article…

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