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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

Banks Celebrate New Year By Lowering Savings Interest Rates

by Luke Landes

One thing to keep your eye on in 2009 is your savings account. Over the past few days, several banks have lowered the interest rates on high-yield savings accounts. This is not a good sign for those who want to have liquid assets without losing purchasing power. You may want to start the new year ... Continue reading this article…

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Barack Obama is Increasing Your Paycheck

by Luke Landes

The company has spent the past few months managing expectations. With the economy tanking and our company’s performance following the trend of all other companies in the industry, there won’t be much in the way of annual raises and bonuses this year. (We receive these incentives a few months after the end of the year ... Continue reading this article…

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Last Chance to Earn $250 Bonus From WTDirect

by Luke Landes

Throughout December, WTDirect has been offering an opportunity for new customers to earn up to $250 by opening a new account. The bank is offering a good interest rate right now (3.06 percent APY) for customers with balances of $10,000 or higher. The opportunity to earn this bonus is ending tomorrow, December 31, 2008. Here is ... Continue reading this article…

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A “Computer Glitch” Caused Macy’s Customers to be Charged Twice

by Luke Landes

On December 22, a representative for Visa wrote about that company’s protection for customers who use debit cards: If your account is compromised, Visa is committed to setting things right without further aggravation or inconvenience to you. Visa’s cardholder protection policy requires all financial institutions issuing Visa products to extend provisional credit for losses from ... Continue reading this article…

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New ING Direct $25 Bonus Referral Links

by Luke Landes

If you do not already have an account at ING Direct and you’re interested in opening up a new savings account or checking account at this online bank, you can earn a $25 bonus just by using one of these referral links. If you transfer more than $250 as your initial deposit into your new ... Continue reading this article…

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Home Prices Keep Falling

by Luke Landes

Six or seven years ago, a couple I knew married each other and bought a house right away. I can’t claim to know their personal financial details, but I am sure the value of the house was well beyond three times their combined income. The husband explained to me that house values never go down, ... Continue reading this article…

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Last Call: Carnival of Personal Finance Looking for Hosts

by Luke Landes

The Carnival of Personal Finance has been running consecutively for 185 weeks. The latest edition is live at the Fraud Files blog, and every Monday this celebration of the week’s best in personal finance blogs is hosted at a new location. For bloggers, hosting the Carnival of Personal Finance is a good way to increase ... Continue reading this article…

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First Five Days of 2009 May Indicate Stock Market’s Performance

by Luke Landes

Over the last 36 years whose first five days resulted in a stock market increase, 31 of those years experienced an overall good year for stocks. While that’s a good track record, it’s not an infallible indicator. There are three trading days left in 2008, a lost cause for the stock market. This method has ... Continue reading this article…

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Evaluating This Year’s Progress Against My Goals

by Luke Landes

In December 2007, I set a number of financial goals or targets to be accomplished by the end of this year. In some cases I was successful while in others I fell short. It’s important to keep things in perspective; when I set these goals, the economy was in a significantly different state. The goals ... Continue reading this article…

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Publicly Shame a Deadbeat

by Luke Landes

Neither a borrower nor a lender be; For loan oft loses both itself and friend, And borrowing dulls the edge of husbandry. That’s a well-known quotation from William Shakespeare’s Hamlet. Polonius was perhaps concerned about, among other things, the public shame that could come from being a deadbeat borrower. As he proferred this and other ... Continue reading this article…

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