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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

Sold My ESPP Shares, Nice Profit, More Tax Owed

by Luke Landes

At the beginning of the year, I started participating in my company’s newly-offered employee stock purchase plan, which gives us the opportunity to automatically deduct up to 10 percent of our paychecks and defer that money for use at the end of the quarter. At that time, we are able to purchase stock at a 15 percent ... Continue reading this article…

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Fraternity Alumni Associations: Something Valuable?

by Luke Landes

When I was an undergraduate, I was in a fraternity. When I say that to people, I always provide a quick qualification: it was more like a music service or honor society than a fraternity. We didn’t have a “house,” and most of us didn’t do the crazy things you see in movies. While I ... Continue reading this article…

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Ten Questions to Ask Before Getting Hitched

by Luke Landes

Perhaps she calls you “her sweeitie” and you call her “lover.” Maybe you don’t have cutesy names for each other, but if you’re planning to get married, hopefully you know each other very well. This encompasses a little more than favorite restaurants, medical allergies, and middle names. There should be some serious discussions about life ... Continue reading this article…

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Admin Note: Downtime

by Luke Landes

I apologize if you’ve been trying to visit but have experienced long load times or… nothing. We had a hardware failure today and it looks like DreamHost has us back up and running for the time being. I’m in the process of evaluating dedicated hosting options, so expect some stability soon. By the way, you ... Continue reading this article…

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Bank of America Will Offer No-Fee Mortgages

by Luke Landes

According to USA Today, Bank of America will soon begin offering no-fee mortgages. That means they won’t charge for applications, appraisals, loan originations, title insurance, flood certifications, and even private mortgage insurance. I was thinking about this last night, and it occurred to me that this is simply the next step in a pyramid scheme. ... Continue reading this article…

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The Carnival is Up!

by Luke Landes

Golbguru from Money, Matter and More Musings hosted the Carnival of Personal Finance earlier today, or technically yesterday. There were a number of very good articles included, so take a look if you have a chance. Here are a few in addition to those Golbguru has chosen to feature. * Using My Emergency Fund To ... Continue reading this article…

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Renting Makes You Richer

by Luke Landes

Over the weekend, Moom left a comment on 7 Ways to Kill Your Net Worth after observing a number of mainstream media articles touting the idea that real estate — your own home — is not a good investment. Interesting how now that the housing market is stagnating or going down in many regions there ... Continue reading this article…

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Do You Need 80% of Your Current Income in Retirement?

by Luke Landes

If you’re planning for retirement, you might be concerned with determining how much income you’ll need to support your current lifestyle. I’ve seen 80 percent tossed around as this magic percentage. That is, if you make $100,000 in your current lifestyle (and manage your expenses appropriately), the fewer expensive you’ll have in retirement mean you’ll only ... Continue reading this article…

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Weekend Spending Update

by Luke Landes

It’s been a busy weekend. On the entertainment front, I caught Spider-Man 3 with some good friends I don’t get to see very often. It was good, but not spectacular. The tickets cost $10.25 including the $1 “convenience fee” for ordering them in advance online. It was a good thing I did, they show was ... Continue reading this article…

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Weekly Blog Roundup, Sealant Edition

by Luke Landes

Here are some interesting articles from the MoneyBlogNetwork and beyond this past week. Replacing a Lost Social Security Card. I’ve done this once in my lifetime so far, and according to Jim, I have nine more allowed replacement requests until I die. This isn’t really personal-finance related, but Nickel is celebrating his two year anniversary ... Continue reading this article…

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