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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

The Latte Factor: Your Spending Reflects Your Priorities

by Luke Landes

The concept of the Latte Factor is one of the most divisive in personal finance. Money gurus get so worked up over whether the Latte Factor is a valuable lesson in money management, that one might think the issue were as important as the national debt. Most of the time, passionate responses pertaining to the […]

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H&R Block Online Tax Filing Review

by Luke Landes

With W-2s and other tax forms now appearing in our mailboxes (or inboxes) daily, chances are that taxes are on your mind. If you believe you’ll owe money to the government, it makes sense to put off filing as long as possible, up to this year’s filing deadline. If you expect to receive a refund, […]

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Would You Rather Receive a Refund or Owe More Taxes?

by Luke Landes

If you haven’t noticed, it’s tax time. I have noticed, not only because of the endless emails I receive reminding me of this grand celebration, but also because of the people with whom I interact. As those I know complete their tax returns, I observe their pure joy as they realize they’ll be receiving a […]

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Year End Reminder: Change Your 401(k) Contribution Level Now

by Luke Landes
Winter Snow

At the end of the year, most people in the United States are thinking about the holidays and the potential credit card bills for gifts and family visits. One good way to control this potentially stressful month is to take some time to breathe and get your own finances in order. There are several actions […]

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Will a Bonus Make You Pay Higher Federal Taxes?

by Luke Landes

With the holidays approaching, many companies are preparing their bonus checks. However, some employees who are looking forward to their bonuses are also concerned about tax consequences. I gave up this “extra” part of my corporate pay, in exchange for the benefit of working for myself, when I left my day job a few years […]

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401(k) Contribution Limits for 2017

by Luke Landes

The 401(k) contribution limits and maximums are increasing in 2015, and there are other tax changes to 401(k) to note.

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2017 IRS Standard Deductions and Exemptions

by Luke Landes

Most taxpayers can choose between itemizing tax deductions to reduce taxable income, which requires accurate record-keeping and support and taking the standard deduction. The standard tax deduction is a fixed amount that reduces the amount of money on which year-end taxes are calculated. Generally, if you can show that you’ve had more deductible expenses than […]

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The Best Cash Back Credit Cards of 2017

by Luke Landes

Cash back credit cards can help consumers practice responsible spending while earning a little extra for their efforts when used properly. The days of earning 5 percent cash back on all credit card purchases may be just a memory, but the smart use of credit cards can still be profitable for diligent consumers. You may […]

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Thank You: Twelve Years of Consumerism Commentary

by Luke Landes

Thank you to Consumerism Commentary readers.

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Life Is Short: Toxic Financial Attitudes

by Luke Landes

There’s a good reason I can’t get into extreme savings for retirement. When desperate financial times call for desperate financial measures, there is a good incentive to cut all unnecessary spending and eliminate bad debt. Many people even wait until they hit rock bottom before reforming their approach to their finances, because the effects of […]

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