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Education

Banks Borrow Money at Low Rates, Why Can’t Students?

by Luke Landes
Studying

Senator Elizabeth Warren, the architect of the Consumer Financial Protection Bureau, introduced a bill in Congress to give student borrowers a break. The premise is that students, whose education is important to the economic growth of the United States, should receive some of the same advantages as banks, who receive preferential treatment in the form […]

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6 Questions Before Dropping Out of College to Be an Entrepreneur

by Luke Landes
Bill Gates

Many successful entrepreneurs, business owners, and world leaders have something in common. When asked how they achieved their success, they point to a role model they knew personally or were familiar with during their formative and most inspired years. The role model lived a life that seemed appealing to them. That’s how many young entrepreneurs […]

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Learning About Investing With the Stock Market Game

by Luke Landes
Stock Market Game

In my mind, no child is too young to learn about the basic concepts of personal finance. From using money to saving money and budgeting, youngest children learn as they watch their parents behave. These are the most important lessons because parents are the ultimate role models. Financial literacy programs that wait until high school […]

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Saving Priorities: Retirement vs. Kids’ Education

by Luke Landes
College education

Having the ability to even ask this question might be indicative of having “first world problems.” Throughout the world, the concept of retirement is foreign. Financial independence doesn’t fit into the concept of life. That isn’t to say that all residents of underdeveloped nations are struggling with life, but the benefits that we live with […]

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Mass Affluent: College is Worth the Investment

by Luke Landes
Questioning the value of a college education

You can be financially successful without a college degree. One summer when I was younger, fresh out of college, I worked for a touring drum and bugle corps. It’s a group of 128 adolescents and young adults and 40 staff who drive around the company in buses, performing almost every night for seven weeks, marching […]

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Go to College for Free

by Luke Landes
West Point Academy cadet

Welcome new readers. Be sure to subscribe to Consumerism Commentary via RSS. New readers should start here. I enjoyed my experience as an undergraduate at a “state-assisted, privately governed” university. As I did not live in that university’s state prior to attending, my tuition fees were higher than many of my classmates’ fees. To attend […]

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Federal Reserve Chairman Ben Bernanke Speaks With Teachers

by Luke Landes
Ben Bernanke

Yesterday, Ben Bernanke spoke to teachers across the United States in a video-conferenced town hall-style meeting. Several teachers were invited to participate in Washington, while others attended the meeting from distant locations aided my modern technology. I wasn’t able to watch the live broadcast of the meeting, but I watched the hour-long recording this morning. […]

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Is Pursuing a PhD or Professional Doctorate Worthwhile?

by Luke Landes
Professor

I’m at a point in my life right now where I have some flexibility with my personal choices. Thanks to growing a business, I’m able to look at a wide array of options in front of me — things to to do that will keep me busy, intellectually stimulated, and financially self-supporting, in addition to […]

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Tuition Reimbursement: A Benefit for Some Employees and Employers

by Luke Landes
Columbia University

Happy anniversary to Consumerism Commentary! Nine years ago today, I published the first article on this website, introducing myself and sharing the original purpose of Consumerism Commentary. The character of the site has changed drastically over this extended period of time, but I’m glad to say I’m still involved with its operation. Thanks for everyone’s […]

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Student Loan Grace Periods Coming to an End

by Luke Landes
Graduation

While all the focus has been on student loan interest rates. Congress has failed to renew one of the most important student loan benefits for undergraduates: the six-month grace period following graduation. With the rate of unemployment being historically high, this couldn’t have come at a worse time. Federal student loans have a fixed interest […]

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