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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

How Your Positive Posse is Destroying You

by Luke Landes
Positive Posse

One of the oft repeated mantras in leadership training is to surround yourself with people who understand you and support what you do. This philosophy translates well to people who need emotional support for any endeavor, even if one’s goal is to just keep living. Everybody needs support, and everybody needs to feel that someone ... Continue reading this article…

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Who Benefits From 529 Plans, the Middle Class or the Wealthy?

by Luke Landes
Child in college

When I first began reading that President Obama was considering reducing the tax benefits for savers who make use of 529 plans and other education savings accounts to reduce the cost of education-related expenses, I was surprised. It has been my understanding that 529 plans, all though I do not have one, are intended to ... Continue reading this article…

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New Jersey Business Filing Services: Scam or Not?

by Luke Landes
New Jersey Business Filing Services

Update: I can’t believe this. I received a second notice from these hustlers — asking for even more money! Read the details at the bottom. Here’s an idea for all you people who like to “hustle” to come up with ways to earn extra income. This has happened to me many times, and it comes ... Continue reading this article…

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Prize-Linked Savings: Win Money For Opening a Savings Account

by Luke Landes
Win to Save - Prize-Linked Savings

Since December, federal banks and credit unions have been allowed to offer savings accounts that include a raffle element, after some states have allowed accounts like these for some time. The goal of these lottery-like accounts is to encourage more people to save money, particularly those households with low and moderate incomes. This was the ... Continue reading this article…

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Is It Time to Invest in Oil? Here’s What I Did.

by Luke Landes
Standard Oil

At the beginning of the year, I joined another investing challenge. This was sponsored by Motif Investing, who provided me and several other financial writers and bloggers $500 to invest in strategies each of us would choose. Like last year’s Grow Your Dough competition, this is a relatively short time horizon for me. In 2014, ... Continue reading this article…

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4 More Personal Finance Rules I’ve Broken

by Luke Landes
Rules

A few days ago I shared four personal finance “rules” I’ve broken. So-called rules sell books because they provide a way for an author to be declarative and have solid opinions, even when these rules have been around for a long time, repeat already well-known concepts, or aren’t appropriate for everyone. Start saving for retirement ... Continue reading this article…

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Final Update: Grow Your Dough Throwdown

by Luke Landes
Grow Your Dough Throwdown

Throughout the last year, I’ve been participating in a friendly competition among friends. We each placed $1,000 in an investing account (or multiple investing accounts) at the beginning of the year, chose an investing strategy, and tracked progress throughout the year. I gave the initial details in the beginning of 2014. My strategy was to ... Continue reading this article…

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4 Personal Finance Rules I’ve Broken

by Luke Landes
Rules

Thumb through any book about personal finance, money management, and investing written by an expert, and you’re bound to come across a number of rules dictating financial behavior. Sometimes the author-dictators believe their rules are unbreakable and chastise those who might think differently, while other writers leave room for flexibility. In general, the more powerful ... Continue reading this article…

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2015 Federal Income Tax Brackets and Marginal Rates

by Luke Landes
Taxes

With the new year, every dollar you earn in the United States, whether the money comes from working or from your investments, is subject to being taxed by the federal government at a level higher than last year. Recently, the IRS announced the tax rates for 2015, and while the rates are the same as ... Continue reading this article…

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When Money Is Scarce: Forced Frugality and Bad Decisions

by Luke Landes
Empty Bucket

I’ll be honest. When the idea for this article struck me late last night, I had a definitive idea of how I was going to address the topic of conservation mode. But the clarity of day may have changed what I think about the idea. Throughout my life, I’ve been working with scarce resources. Now, ... Continue reading this article…

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