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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

May 12: $50 Gift Card and Free Morningstar Subscription

by Luke Landes

To continue Giveaway May at Consumerism Commentary, I have a great deal for all you investing junkies out there. In fact, today’s giveaway is sponsored by Investor Junkie. I’m excited to be working with Investor Junkie for today’s giveaway. Thanks to his connections, Investor Junkie is able to provide today’s giveaway winner one year’s free ... Continue reading this article…

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To Diversify Or Not To Diversify

by Luke Landes
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That is the question. For most small-time investors, diversification is necessary. Index funds offer diversification across a type of investment, and with a strategy like this, you can be sure you’re avoiding investment management who, on a whole, perform worse than the indexes. Diversification through index funds allows investors to spread small amounts of money ... Continue reading this article…

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TrueEarnings Card from Costco and American Express Review

by Luke Landes

In 2009, Congress passed enacted laws that require credit card issuers to be more direct with their terms and conditions. Companies can no longer get away with double-cycle billing and hidden fees, which were costing customers millions of dollars every year. There are still a few items found in the fine print that customers often ... Continue reading this article…

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May 11 Giveaway: $100 and Pay Off Debt App

by Luke Landes

Giveaway May has been wildly successful so far. Every weekday during this month, I’ve been giving away gift cards and other prizes, and this is going to continue until the end of May. Yesterday’s Kindle was a popular item, but I’ll continue offering valuable prizes every day, including some surprises to come. Today’s giveaway is ... Continue reading this article…

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Ally Bank in Talks to Buy ING Direct

by Luke Landes

Update: Capital One has purchased ING Direct. A little less than eighteen months ago, I mentioned that ING Direct was scheduled to be sold off. The online bank’s parent company, ING Group, received taxpayer assistance. The plan is for ING Group to sell ING Direct USA to pay back the European Commission. The New York ... Continue reading this article…

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Budget Categories Based on Maslow’s Hierarchy of Needs

by Luke Landes

When I started my first real budget as an adult, the concept was not difficult. I knew I had to track my spending and keep myself from paying more than necessary for expenses I could control in order to fix my financial situation. To reverse the trend of increasing debt every month, I came up ... Continue reading this article…

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May 10: Win a Free Kindle With Wi-Fi

by Luke Landes

All this month is Giveaway May at Consumerism Commentary. Every day, I’ll be choosing one winner randomly for a prize. Each day there is a small challenge in order to qualify for the giveaway, and today is no exception. Today I have a Kindle With Wi-Fi from Amazon.com to give away. This is the version ... Continue reading this article…

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Dollar-Cost Averaging Vs. Lump Sum Investing

by Luke Landes

It’s widely popular in the financial media to encourage the strategy of dollar-cost averaging (DCA) when investing. It’s a simple strategy that calls for investing the same dollar amount at regular intervals. When you assume that stocks or other investments at lower prices are bargains, dollar-cost averaging allows you to buy more of an investment ... Continue reading this article…

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Second Week of Giveaways: Two $50 Amazon Gift Cards

by Luke Landes

Today starts the second week of giveaways at Consumerism Commentary. This month is Giveaway May, and I have at least $50 to give away to readers every weekday this month. Today’s giveaway partner is Wealth Informatics. Suba, the owner of Wealth Informatics, is offering a $50 Amazon.com Gift Card to match my $50 Amazon.com Gift ... Continue reading this article…

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Ebates Review

by Luke Landes

There is more to maximizing cash back than just using the right rewards credit cards. Many card issuers also offer marketplaces or online shopping portals where, if you use your appropriately branded credit card, you can earn 1 percent to 7 percent cash back or more. That’s in addition to the 1 percent to 5 percent cash back credit ... Continue reading this article…

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