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Payday Loans Fees and Interest Rates: Fair Comparison?

by Luke Landes

I consider payday loans one of the worst forms of debt. That being said, in states where these services are still legal, they provide a way for struggling individuals to afford necessities like food and housing until their next paycheck, for a fee. Unfortunately, many borrowers don’t simply use their paycheck to pay back the ... Continue reading this article…

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Verifying Funds on Checks, 2010 Edition

by Smithee

Last May we found a list of the biggest American banks and investigated each to find if it was possible to verify funds on a customer’s check over the phone. For example, you’re a landlord and you want to know if your iffy tenant, who banks somewhere different than you, wrote you a bad check. ... Continue reading this article…

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How to Build Credit

by Luke Landes

In a perfect world for a consumer, no one would need credit. There would be enough time to earn and save money before needing a car or a house. Credit cards would be used only for cash back rewards and other bonuses, and no one would ever pay interest. There would be no such thing ... Continue reading this article…

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Podcast 64: Taking Control of Your Finances, Flexo

by Luke Landes

In today’s episode of the Consumerism Commentary Podcast, Tom Dziubek speaks with Flexo about his recommended steps for people to take control of their personal finances. Among the things Flexo talks about are the importance of self-awareness, taking an inventory of your personal finances, tracking your money and getting out of debt. Consumerism Commentary Podcast ... Continue reading this article…

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Rich Homeowners More Likely to Walk Away From Mortgages

by Luke Landes

When it comes to walking away from a house and mortgage, wealthy homeowners are doing their part. Not only are those with a $1 million net worth or above more likely to stop payments, but they are also more likely to see their home as an investment and cut their losses. Of homeowners with a ... Continue reading this article…

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Discover® More Card $75 Cash Back Bonus

by Luke Landes

The offer you are interested in has expired. Read our review of the Discover More Card.

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Financial Services Companies Get Ready for Boomers

by Luke Landes

The Baby Boomer Generation consists of Americans born between about 1946 and about 1964. Many individuals in this generation are approaching the typical retirement age, as defined by the U.S. government’s tax and benefit policies. While some are delaying their retirement thanks in part to recent poor stock market performance, underfunded nest eggs, and the ... Continue reading this article…

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Personal Balance Sheet, June 2010 ($340,741, -1.1%)

by Luke Landes

July will mark the seventh anniversary of Consumerism Commentary. These seven years I’ve been tracking my finances online to keep myself accountable for my financial decisions. In 2003, there was no such thing as a “personal finance blog community;” this arose out of the desire of a few of us to track our finances in ... Continue reading this article…

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I Deposited a Check With My Phone

by Smithee

This past weekend was my first chance to try to deposit a check without going to the bank, and it was fantastic. I was always ambivalent about the fact that Chase Bank swallowed up the friendly Washington Mutual, but now I’m a little glad, since they’re among the first of the enormous banks to bring ... Continue reading this article…

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How to Get Your Spouse On Your Financial Team

by Neal Frankle

This is a guest article by Neal Frankle. Neal is a Certified Financial Planner and blogs at Wealth Pilgrim. Neal writes about taking action steps to improve clients’ financial situations and finding balance at the same time. I’ve often wondered if the posts we write about personal finance are getting into the hands of the ... Continue reading this article…

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