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Over the past few years, cell phone providers have declared an out-and-out war to win over consumers. This spells good things for the consumers, who can now take advantage of more low-cost cell phone plans than ever.

These days, even the “big four” cell providers — Sprint, T-Mobile, AT&T, and Verizon — are lowering their prices. And there is a host of other companies jumping on board with cheap voice, text, and data services.

Finding the right plan for your needs requires some research, though. First off, the provider you choose should have decent coverage in your area and areas to which you travel often. Saving $15 a month on your cell phone bill doesn’t mean much if you constantly drop calls in your own living room!

Plus, you’ll need to ensure that the plan you choose has what you really need in a cell phone plan. That might mean unlimited voice and text, or a hefty amount of data for your business.

Whenever you are ready to lower your cell phone bill, check out these 20 low-cost plan options.

Sprint Unlimited Freedom and Family Plans

This plan offers two lines with unlimited data, talk, and text for $100 per month. It offers unlimited 4G LTE data, and allows you to add up to 10 additional lines for $30 each. Or you could opt for a cheaper family plan with limited, shared data and $20 per line access.

T-Mobile ONE

The ONE plan offers unlimited talk, text, and data for $70 for the first line, $50 for the second line, and $20 for up to two additional lines — so $140 per month for four lines. Or you could get four lines for $120 per month when you use Auto Pay. The plan offers unlimited everything in Mexico and Canada, and unlimited text and data just about anywhere else in the world.

AT&T Mobile Share Advantage

This customizable plan allows you to choose how much data you want to share, from 1GB for $30 a month to 100GB for $450 per month. Then, add smartphones for a monthly access fee of $20 per month. If you don’t use much data, this plan would be a great way to cut your expenses down to as little as $70 per month for two lines and limited data access.

Verizon Plan

This giant is known for its great coverage, but has started to lower its prices to stay competitive. The plan comes in five “sizes” from S to XXL. As with AT&T, this plan allows you to customize your data to what you’ll actually use, which can save low-data users some money. There’s a $20/month charge per phone, and data costs anywhere from $35/month for 2GB to $110/month for 24GB+2GB per line.

Metro PC

Launching into the smaller providers, we’ll start with Metro PCS, which offers nationwide 4G coverage. Its “unlimited” data, talk, and text plan really comes with 1GB of 4G data before kicking you down to lower data speeds. Still, the plan is a good deal at just $30 per month, or $25 per month as part of a family plan. For just $50 per month, you can get unlimited talk and text plus 5GB of 4G data.


Cricket’s Basic plan runs just $40 per month, and includes unlimited nationwide text and talk plus 2.5GB of high-speed data access. Or the $70/month Unlimited plan offers unlimited high-speed data, unlimited nationwide talk and text, unlimited international texting, and data access and unlimited talk and text to and from Mexico and Canada. Cricket also offers group pricing and discounts for signing up for auto-pay.

Page Plus Cellular

Page Plus Cellular is a no-contract provider that still offers super-cheap plans with restricted minutes and text. The cheapest plan is just $12 per month for 250 minutes, 250 texts, and 10MB of data. Or opt for the largest plan at $69.95 with unlimited calling, unlimited national and international texting, and 7GB of 4G LTE data, which is then restricted down to 2G.

Virgin Mobile

This provider is gaining in popularity, and not without reason. Its main plan is just $40 per month and includes 4GB of high-speed data. Plus, it allows you to stream music from services like Pandora and Slacker without tapping into your data.

Boost Mobile

Boost’s Unlimited Starter package starts at just $30 per month and includes 1GB of 4G LTE data. You can add additional data for $5 per GB per month. Like Virgin, Boost offers unlimited music streaming through certain music apps. For more data, check out the $50/month Unlimited Unhook’d plan, which offers optimized streaming for videos, gaming, and music, and unlimited 4G LTE data for everything else.

Straight Talk

Available plans for Straight Talk depend on your phone and current phone number, so you’ll have to check availability. But some example options include a 1-year unlimited plan for $495 total. This one offers unlimited nationwide talk and text and 5GB of data per month at 4G LTE, restricted to 2G service after that.

Republic Wireless

For just $15 per month, Republic offers unlimited talk and text without data (except on WiFi). It’s a good plan option if you’re near a WiFi signal most of the time. Plans add more data from there, up to 10GB per month on the $90 plan.

GoSmart Mobile

This provider offers four service levels, including a $25/month plan that includes unlimited international texting, unlimited national talk, and unlimited 4G LTE access for Facebook. Its largest plan is $55/month and includes up to 20GB per month of 3G data access, as well as the other perks listed.


This provider actually offers a free Basic Plan that includes 500 texts, 200 minutes, and 500MB of data each month, as well as free calling over WiFi. You may be able to bring your own existing device to this provider, or purchase a device from them.

H2O Wireless

For $30 per month, you can get unlimited talk and text, 500MB of data, and $10 of international talk credit. Or go up to $60 per month of unlimited talk and text, 4.5GB of high-speed data (restricted to 2G data thereafter), and $20 per month of international talk credit. H2O also offers pay-as-you go plans, which let you customize your payment based on how much talk, text, and data you’ll actually use at a time.

Scratch Wireless

This provider, like many other small providers, operates on the “Wi-Fi First” principal. In other words, if WiFi is available, your phone will operate on that rather than using data. When connected to WiFi, you’ll have unlimited text and data. The service is free for three months, and costs just $7.99 per month after that. If you’re typically in places where WiFi is available, Scratch could be the ideal service for you.


Communicate mostly by text? ChatSIM is a super-cheap way to make that happen. The base plan costs $15 per year and comes with unlimited texts and emojis anywhere in the world. You can also purchase multimedia credits to cover photos, videos, and calls, ranging from $15 to $60 each.

Red Pocket

Red Pocket offers two types of service: its Flagship Plans, which work on all its wireless networks and allow you to keep your phone and phone number, and Device-Specific Plans. Flagship Plans begin at just $29.99/month for unlimited talk and text and 500MB of data. These plans go up to $59.99 per month for unlimited everything with 3GB of high-speed data (and lower speed data after that).

Simple Mobile

You can bring your own phone or buy a phone through Simple Mobile, and then sign up for a $60/month plan with unlimited 4G LTE data. Don’t need the data? Keep it simple with a $25/month unlimited talk and text plan.

US Mobile

This provider offers completely customizable plans, so you only need to pay for the services you actually use. For instance, you can pay $3/month for 100 talk minutes, or $15/month for up to 5,000 minutes. Similarly, texting costs $2/month for 100 texts or $7/month for unlimited texts. And data costs from $2/month for 100MB to $35/month for 6GB. Add on a $2/month service charge, and you’ve got a plan you can completely customize to your actual usage.

ROK Mobile

As with other providers, this one cuts back on the cost of streaming music by providing the ROK Music App. It offers a $49.99/month plan with unlimited talk, unlimited text, and 5GB of 4G LTE data.

So which one wins?

As you can see, there’s some huge variability in plan prices here, from free plans that focus on WiFi coverage to $100/month plans from the “big four.” The key is to ensure that any provider you choose will have good coverage in your area, and that the plan will be sufficient to meet your talk, text, and data needs.

Be sure to read the fine print. Also talk to friends and neighbors about their coverage, especially with less well-known providers. Then, pick a plan and start reaping the financial reward of this wireless war for customers.


For a few years, a ring of criminals believed by the U.S. government to be based in India have been involved in a pervasive tax scam. Callers impersonate IRS officials, connect with American taxpayers, and convince many that they have an outstanding bill for tax payments.

The scam has been so pervasive that it has generated more than $15 million from panicked taxpayers.

CNN offers a story from a recent victim of the scam:

One of those victims was former NFL player Frank Garcia, who is now a sports radio host in Charlotte, North Carolina. When he got the call, it sounded so authentic, he left the radio station in a panic, scramming to get the money they wanted.

“The only thing running through my head is, I’m going to jail. I’m gonna be on television, in handcuffs, for tax evasion,” he recalled. “I had to follow specific steps not to be arrested. That the authorities had been contacted and in fact, they are on the way and will be there in 30 minutes.”

Garcia says he spent five hours driving to various stores around Charlotte, depositing $500 each time into a PayPal account set up by the woman on the phone. He ended up losing about $4,000.

Public figures tend to be more anxious than most people about being guilty of a crime. The destruction of a career in the public eye and a happy life is easy given the public taste for scandal and the American system of justice through trial by media.

And when you believe you might be in major trouble, the ability to think rationally sometimes disappears. To a reader, the idea that the IRS would have a PayPal account to collect past due tax bills sounds fishy, if not ridiculous. But in the heat of the moment, when you’re being threatened with jail time, you just want to problem to go away, and all possible resolutions sound legitimate.

the prevalence of media warnings about the scam has certainly helped slow down the perpetrators’ attack on taxpayers. I’ve even seen warnings on my local news broadcasts (but it probably won’t be totally effective and pervasive until reality show producers incorporate scam warnings into their shows).

Money offers a few tips, summarized below, for preventing yourself from being a victim of this scam, so while knowledge does help, as I’ve already mentioned, under stress logical reasoning often fails.

Scammers spoof caller I.D. The call may be coming from somewhere on the other side of the world, but the caller I.D. might say it’s coming from a number with a 202 area code (Washington, D.C.).

In reality, the IRS does not call taxpayers, and the organization especially doesn’t call taxpayers to inform them of an overdue tax bill. If a taxpayer truthfully owes tax, the IRS sends a bill, and offers instructions for the taxpayer to respond.

But I get how people can fall for this. Sometimes the U.S. Postal Service isn’t reliable. Sometimes you accidentally discard legitimate mail, mistaking it for junk mail. A caller can easily convince someone that they had sent notices through the mail which, from their perspective, were ignored.

Scammers ask for immediate payment. The real IRS doesn’t ask for payment over the phone, and are not in the business of setting up PayPal accounts to receive the funds or of instructing taxpayers to purchase prepaid debit cards. The IRS takes personal checks sent to official addresses and electronic payments through a government gateway, the Electronic Federal Tax Payment System (EFTPS) or DirectPay. That’s it.

This fact doesn’t change for taxes owed from previous years, even if you settle with the IRS for a lesser amount.

Even to taxpayers falling for the scam, it sounds like the callers are working somewhat outside the “system,” especially when they agree to settle. So an alternative form of payment might not raise any red flags.

Scammers threaten to arrest or deport their victims. The IRS wouldn’t do that. But it’s hard to believe this is not an IRS tactic when we know from media reports that tax evasion is a crime that results in arrest and deportation. If the scammers make victims believe that they could be guilty of tax evasion, the fear of being arrested is in their mind before the scammers “confirm” that will be the result of failing to pay.

And if you happen to be an immigrant fearing deportation, either because you are in the country illegally or believe it’s easy to be mistaken for someone in the country illegally, the threat of deportation could be so frightening (especially if you are escaping a dangerous home country) that you’re willing to do anything to remain in the United States.

Here’s what happens when you really do owe back taxes.

First, if you earn a paycheck from an employer and haven’t filed your taxes, the IRS will eventually catch on, and you will be expected to pay what you owe if you haven’t already through paycheck withholding. If you have paid taxes every year you owe taxes, but haven’t paid enough, you will still be expected to pay the remainder of what you owe.

The IRS will send you a notice in the form of a bill, identifying how much the government believes you owe and give you a deadline to pay. You will owe penalties and interest beginning with the date that tax payment was due, and that will be included on the bill.

If you disagree with the IRS assessment, you can call the IRS at 800-829-1040 to discuss the matter. But if you do owe the money, you will have to come up with some solution to pay. That solution could be paying immediately, as the IRS requests, agreeing to an installment plan, where you can pay the taxes over a period of time, or coming up with an offer in compromise.

The offer in compromise is available to people with a financial hardship, but the IRS must determine it would never be able to receive the full amount of tax owed.

If none of the above can resolve the issue, the IRS can resort to filing a federal tax lien, a legal claim to your property. The IRS may issue a levy, seizing your wages or bank accounts. These can continue until your tax bill is paid in full or the IRS can no longer legally seek repayment. You can lose your house, your retirement funds, and your income.

Because these consequences are so dire, it’s understandable that people are on edge when they receive a call purportedly from the IRS and therefore vulnerable to this widespread and successful scam.

Have you received one of these calls from someone claiming to be from the IRS? What happened on the phone call?


The National Retail Federation has admitted defeat. Sales over the past holiday weekend dropped 11% over Thanksgiving weekend in 2013 according to the organization in a press release yesterday. The organization reversed course after being highly positive about the prospects for shopping leading up to the announcement of the estimated figures.

Shopping traffic for the weekend dropped 5% or 6%, depending on how you want to calculate it, compared to last year. The Federation tried to put a positive spin on the news.

I avoided shopping this weekend, from Thanksgiving day through today, the so-called Cyber Monday. Don’t get me wrong — there is much shopping I want to do before the holidays in December, but the excessive deal-wrangling this weekend just drives me away from wanting to pursue any shopping.

I’m not so much of a bargain hunter. I am interested in good deals, but most of the supposed bargains you see around Thanksgiving look good and sound good, but just aren’t all that good. And the details that are truly good, whatever that means, are almost always for items I wouldn’t want or don’t need.

For deal shoppers, the best time to buy is generally after Christmas, but there are a few obvious problems with that. First, it’s difficult to generalize. Overall, this might be true, but for any particular item, there’s no way to know. That’s why shoppers rely on Black Friday deal ads. They give shoppers some confidence, even if the resulting deal is not the most ideal price for any particular item. If you buy a gift using a Black Friday ad or Cyber Monday deal, you feel good about saving money, and for the human brain (but not your future self), that’s better than actually saving money.

The best method I’ve found for spotting good deals is CamelCamelCamel. This only applies if you have a specific item in mind, if that product is sold on, if generally offers the best price for that item among retailers, if you’re not on a tight time frame for making the purchase, and if you are willing to be a customer of CamelCamelCamel is a website that tracks’s prices and can alert you whenever the price reaches a certain point. That price point could be one that you specify as your trigger, or it could be a price suggested by the CamelCamelCamel service using an algorithm that takes into the previous lowest price for the item.

The best thing about CamelCamelCamel is that it makes me wait. I’ve had items registered — it can work directly with your wish list if you want — for over a year, and suddenly, I’m alerted that an item, say a movie Blu Ray set, has reached my price point. The delay ensures I’m no longer under the influence of an impulse desire to purchase. Because if there’s something I want and need right away, and the cost is reasonable, I’m going to buy it right away rather than wait for a deal.

But if I know that, for example, the remastered Star Trek: The Next Generation season Blu Rays are eventually sold for more than a 60% discount off their initial sales price, usually within a year, I just set my price point trigger and wait.

And maybe more and more consumers are like me, bypassing the heavily advertised deals for more researched best prices. That could be one contributing factor to this year’s sharp decline in consumer activity over the traditionally biggest sales weekend of the year.

What role does the larger economy have? If people feel they are worse off financially, they might not plan on shopping as much this year as they did last year. If, however, people feel they are in a better financial position than they were last year, they could be less likely to pay attention to the holiday sales. In other words, you could use just about any state of the economy to justify both a strong and a weak holiday shopping season.

There might be some legitimacy to the idea that people feel better about the economy, which takes away from the desire to seek bargains at every opportunity. It’s clear that the recession in 2008 had long-lasting effects, not just in terms of employment, but in approach to life and money. Ideas like frugality, extreme saving, and supercharged planning for retirement became much more popular and legitimate than during times of stronger consumer confidence.

Throughout this period following the recession, I considered whether this was a permanent shift in approach along the lines of how the Great Depression affected an entire generation’s approach to money. The question was whether Millennials or Generation Y would be defined by the recession. My thought has always been that this is temporary, and I still think that is the case.

Perhaps this past weekend is the first indication that once Millennials feel more confident about their financial situation — and the lower gas prices may go a long way to reinforce that feeling today. Holiday sales are still driven by shoppers aged 18 to 34, so if this group is feeling better about the economy, this could be start of the generation’s shift away from conscious spending. It was fun (and successful) while it lasted.

The increase in confidence, whether it’s starting now or not, is going to have some profound effects. The value of assets — the stock market, real estate, etc. — will increase. Even if retailers continue to see problems throughout this year’s holiday season, the long-term prospect for sales are good. Confidence overflows into all areas of commerce, at least for some time. And during that time, shareholders benefit.

Workers feel confident about their employment prospects, so executives work harder to retain the best talent. Salaries increase. Disposable income increases. Prices also increase, but consumers handle it.

Another potential drawback that resulted in this year’s decrease in spending is the backlash surrounding the idea that retailers want to remain open on Thanksgiving Day. Retailers claim they are responding to customers’ demand to allow in-store shopping during the holiday, and there’s no doubt there are more than enough shoppers lined up during the holiday to give stores a reason to open. But employees are generally not happy. No one wants to be forced to work when the rest of the country is celebrating a holiday that supposedly focuses on time with family and friends.

And there are movements that encourage people to change their shopping behaviors during the holidays, whether’s it refusing to patronize stores that remain open on Thanksgiving, refusing to buy anything on Black Friday (also known as “Buy Nothing Day”), or encouraging shopping at family-owned local stores rather than large national and online retailers. These trends permeate Generation Y as much as or more than the desire to spend frugally. There’s no question that this disdain for large corporations, consumerist culture, and mass materialism has an effect on shopping attitudes for a good proportion of Millennial shoppers.

Did do any holiday shopping between Thursday and today? Was your approach different than last year’s? Are you spending more money for the holidays this year?


The events that happened throughout my life, the paths that got me to where I am today, present an interesting story. I refer back to pieces of this story once in a while here on Consumerism Commentary but I never focus on it, nor do I ever really provide a complete narrative. When I write, I prefer to focus on things external to me. Although this blog started more like a personal journal interspersed with my financial details and interesting bits of information about personal finance, like many other long-lasting websites, it’s evolved over time.

Storytelling fills an important role. A good story triggers powerful emotions in readers or listeners, and these can be emotions of connection (like sympathy or jealousy or inspiration). Humans are emotional, not logical, decision makers, so strong emotions can cause readers or listeners to make decisions they wouldn’t have made without that emotional connection. Emotional triggers are certainly nothing new. Charismatic individuals have been using storytelling for centuries to spread religious beliefs, gain allies, and sell products.

The best salespeople today are keenly aware of this effect and use storytelling to convince people to spend money. A good story can change someone’s mind; a great story can change someone’s financial situation. Sometimes for the better, but often not.

For Consumerism Commentary, I try to think of ways to encourage readers to become better consumers: to make the most of the money they have, to improve their financial situation through building income and reducing expenses, to move towards a better financial situation than in the past even if full financial independence isn’t achievable. And, at least so far, I haven’t used my writing to sell products to readers. Yes, I’ve written or published some product reviews designed to help people make good choices about the financial products they use, including a way for readers to take advantage of those offers, but those have been generally directed at people who had already decided to use those products. I’ve tried hard not to sell someone something that wouldn’t be appropriate for them.

Storytelling has a much bigger benefit than selling products — it can sell ideas. And that starts to get dangerous. An inspiring story about quitting your job to blog full time can easily convince people who would otherwise know better to follow that same path in search of riches. I know for a fact that my personal success has given hope to people, even if their reasoning might have been, “If that fool can quit his job and sell a little blog for an insane amount of money, a smart guy or girl like me can do even better.” This is why I don’t make a big deal out of my story. This is why I take my role as a business coach for select clients very seriously. I don’t want to see people make huge mistakes.

People often ask me if blogging as a business has a future. People every day are quitting their jobs, ready to tell their stories online, ready to find a way to sell things to their readers, and they need to know if there’s a future in blogging. In fact, my girlfriend, who is also a blogger, asked me about this recently, but companies have paid me to hear my thoughts on the future of blogging, even though I’ve often been happy to chat with CEOs about it for free.

They ask me because I’ve been around. I’ve been on the Internet since about 1989. I’ve been building various types of online communities since 1990. I’ve been building websites and teaching people how to build websites since 1994. I know how to manage UNIX servers so I’m familiar with the technical side of the Internet, but I’m also as well as the social side (and that goes far beyond “social media”). And I watch related trends pretty closely, and I see a future that is troublesome for the small-time independent web publisher. Today’s environment is not one in which I’d suggest anyone quit their day job to be the next big blogger. Not without a head start, not without the financial backing that allows you to effectively compete, not without something that makes it clear that success is imminent.

That doesn’t mean bloggers can’t start today and become popular. That happens all the time. But translating that popularity into a sustainable living, or even better a valuable asset with the potential of lasting a long time or being recognized by the market as an acquirable asset, goes from rare to incredibly unlikely. But people beat the odds all the time. In fact, people who are more inclined to ignore the odds have an increased chance of meeting those goals, at least partially. I don’t want to say it’s impossible. The danger is in seeing others who have done something impressive and expecting the same will come with a little hard work. Make a living? Maybe. Make a great living? Well… Make a fortune? Doubtful.

The inspirational entrepreneurial story that spreads the lie that this path is the best way to secure a financial future is often incomplete. And the reason I’m writing this article in the first place is because I recently came across a story from a few years ago that is a perfect example of this. It shows you that a smart consumer will always need to look for the questions that go unanswered in any story.

Someone I follow on Twitter attended her sister’s wedding a few days ago, and posted a photograph of the two of them together, beaming with happiness. The individual I follow on Twitter will become clear in a few moments.

For some reason, I decided to look for more information, to learn more about her sister. One of the first things I found was her “origin story.” The trend with superheroes in movies recently is to present a character’s origin story — well, entrepreneurs have origin stories, too. And her story is about as sweet as it gets.

Mary Riesgraf — that’s her name — started a confectionery shop, Sweet Mary’s, in Los Angeles. The business is registered to a home address, so there’s probably no storefront. These are the words she told AllParenting in an interview:

Sweet Mary’s was started out of pure joy that my sweets brought to my friends and family. I started making homemade sweets for holiday gifts and everyone kept telling me to start a business. I was afraid of making such a big commitment so I didn’t consider starting a business until Fall 2011. My boyfriend Leif and my three daughters (Grace, 11, Sarah, 10, and Emma, 8) were my biggest fans encouraging me to go for it. I am so glad I started. I have had a blast making sweets and I love hearing all of the great feedback from our customers.

It’s such a heartwarming story about success, and inspiring to anyone who is passionate about a skill and contemplating starting a business to focus and perhaps make a living.

AllParenting notes that she and her shop has garnered the attention of celebrities, making the shop an overnight sensation. Mary took an activity she loved and for which she had a talent, opened a store, and suddenly celebrities were talking about it. Not bad! The story refers to mostly actors who quickly jumped on her team and supported her as happy customers, like Jason Lee (“Earl” from My Name is Earl), Timothy Hutton (“Conrad” from Ordinary People), and Jenna Elfman (“Dharma” from Dharma and Greg).

I don’t want to criticize Mary. She’s done a great job — and congratulations to her on her recent wedding! The story is inspiring, but the interview neglects to focus on the huge advantage Mary has over a typical entrepreneur, tired of his or her job, feeling a pull to do something else with life. Mary had quite a few built-in connections. While she’s an actor and producer in her own right, her sister, Beth Riesgraf, is also an actor (and a talented film photographer). And the business was launched at the height of Beth’s popularity, as her show Leverage was coming to a close and fans were imploring the producers to keep the show running.

In the interview, Mary says, “My sister had tweeted about me and a bunch of our friends re-tweeted… It was explosive!” Today, Beth has 438,000 Twitter followers. I’m not sure how many she had in 2012, but I expect it was a similarly high number. If you want to be an entrepreneur, ask yourself how many Twitter followers your siblings have.

Mary also says about her first celebrity order, “Jason Lee ordered 150 of our Signature Caramel Chocolate Apples for his wedding.” The story of her success would have had less of an impact if she had said, “Jason Lee, my sister’s former fiancée and father of her daughter, ordered 150 of my caramel chocolate apples for his wedding a couple years before I launched my actual business.” Timothy Hutton, also mentioned as a celebrity customer, was Mary’s sister’s Leverage co-star. Sales or gifts, readers aren’t really sure what those orders are, but either way, they’re still in the family.

My intention isn’t to dampen the success of one particular sudden-entrepreneur, but just to show there are often a lot of details missing from our favorite inspiring entrepreneurial stories. This is just an example I came across recently, and one where I happened to know some of the missing pieces.

The problem is that a story like this can easily encourage someone to start their own business. Is that really such a bad thing, when the employment environment today is so bad and it seems to make a lot of sense for people looking for a better financial future to take matters into their own hands? Being a business owner does open lots of opportunities for personal, professional, and financial growth. But you have to do some market research and soul searching first. Don’t be swayed by inspirational stories. Ask questions! Get to the bottom of the issue. Find out why and how people succeed — not just how they say they succeed, because the true story is often much different than the marketing (and every story is marketing).

If you make decisions based on inspirational stories, whatever hard time you thought you had working at “just a job” could be much, much worse, when you find yourself struggling as a business owner. And then years later, when you discover you need to go back to the workforce, you’ll be in further trouble because you haven’t maintained your skills and have a gaping, unsuccessful hole in your résumé. Too many people are willing to be inspirational and motivational, and to be inspired and motivated, and too few people are willing to discuss realities. That just doesn’t sell as well.


Don’t Let Contractors Rip You Off

by Mitch Lipka

It’s the height of home repair season, a time when established contractors are often in demand and unavailable. That’s a big opportunity for the fly-by-night operators to step in. Hiring a contractor to do work on your home, whether it’s a relatively small job or a major renovation, is a big deal. For most consumers, […]

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How to Win the War Between Consumers and Creators

by Luke Landes

As the title implies, there is a war between consumers and creators, and the battles in this war are played out with money. It’s a war I’ve been seeing from both sides of the trenches. I am a consumer, but more than that, I’ve been writing and thinking about consumer behavior from an empowerment perspective […]

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Home Grocery Delivery: Peapod vs. FreshDirect

by Luke Landes

Although I don’t take advantage of this type of service every time I need to go food shopping, grocery delivery is one luxury I enjoy about once a month. I’ve been a customer of Peapod for about eighteen months. Peapod is a company associated with Stop & Shop, a supermarket in my area. The food […]

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Boycott Wal-Mart on Black Friday and Thanksgiving?

by Luke Landes
Black Friday

Someone I know is boycotting Wal-Mart. I would not be able to boycott Walmart myself, as I never shop there in the first place. My absence from Wal-Mart does not have any effect. I believe I’ve stepped inside the store twice in the past decade or longer, and I don’t remember why. The basis for […]

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Black Friday Deals: Don’t Fall for These Dirty Tricks

by Luke Landes
Black Friday Dirty Tricks

For some reason, this year I’ve been bombarded more than any other year by advertisements for Black Friday deals. The marketing is coming from helpful people who just want to share the good news with their friends, people who are clearly paid to spread the messages, and retailers who simply want people to buy as […]

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The Chase Freedom Lifestyle Index: Finding a Story Amid Data

by Luke Landes
Chase Bank

In terms of credit card offers, Chase Freedom is one of the most popular. This is the card that was selected by expert personal financial bloggers to win the Fourth Annual Plutus Award for Best Credit Card Offer, most likely due to its cash-back program, a sign-up bonus, and the strength of the Chase brand […]

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