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As featured in The Wall Street Journal, Money Magazine, and more!

Are You a High-Yield Interest Rate Chaser?

by Luke Landes

Over the last decade, on-line savings accounts have grown into prominence, first with new internet-only banks offering high-yield accounts thanks to their low overhead costs, and followed by old-fashioned brick-and-mortar banks offering on-line accounts to give the newcomers competition. For more than one year, I’ve been tracking and charting interest rate changes for a number ... Continue reading this article…

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Number One Frugality Tip: Don’t Be a Woman

by Luke Landes

I will admit that the title of this post is a bit inflammatory. I should specify that the more accurate number one frugality tip should be “Don’t be a woman (or a man, but in our society, mostly a woman) obsessed with beauty.” Newsweek illustrates this by breaking down the cost of female beauty maintenance ... Continue reading this article…

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Watch Out for the Making Work Pay Credit (2009 Economic Stimulus)

by Luke Landes

Smithee has been keeping me up-to-date with a major part of the 2009 economic stimulus, the $400 for individuals or $800 for couples tax credit. Here are some things to keep in mind about this stimulus going into effect today, called the “Making Work Pay” credit in the law that established it. Smithee says the ... Continue reading this article…

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Most Popular on Consumerism Commentary, March 2009

by Luke Landes

First, if you haven’t yet this week, check out the latest Carnival of Personal Finance, hosted by Wide Open Wallet. There are some excellent articles this week including the host’s “Editor’s Picks,” Why Lending Club Isn’t for Most People, and Is Buying a Repossession Capitalizing on Someone Else’s Misfortune? Now to the monthly administrative businesses. ... Continue reading this article…

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My Pets’ Worth

by Smithee

The author of Free Money Finance pointed out a story highlighting how the recession is affecting the health of pets. He or she also linked to a helpful chart of estimated costs for owning various kinds of pets. Personally, my wife and I don’t even include pet care in our budget, because our affection for ... Continue reading this article…

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Eight Tips for Living Through a Recession

by Luke Landes

If you have been affected by the recession, perhaps by losing a source of income, you may not want to hear suggestions for turning a bad situation into an opportunity. In fact, the idea of turning challenges around for your own benefit is in line with the annoying soundbites that productivity gurus sell. But I ... Continue reading this article…

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How to Prepare for Inflation and Higher Prices

by Luke Landes

Yesterday, the Federal Reserve purchased $7.5 billion of debt in the form of Treasuries from the government, and plans to continue buying debt for a long time to finance the government’s spending. As the government continues selling this debt, the money supply increases. In total, the Treasury may add $3 to $4 trillion dollars to ... Continue reading this article…

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How to Deal With a Low Salary Offer

by Luke Landes

In my life so far, I’ve had three major chances to negotiate a starting salary. The first was with a cash-strapped non-profit organization that had enough problems keeping its payroll account funded every other week. The second was with a company in the financial industry, a segment of that industry that is known for being ... Continue reading this article…

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Review: I Will Teach You to Be Rich by Ramit Sethi

by Luke Landes

I’ve been in touch with Ramit Sethi since not long after he began writing on his blog, I Will Teach You to Be Rich, almost five years ago. It is no surprise to me that Ramit, after enhancing his writing with years of practice on his rapidly-growing website, has published I Will Teach You to ... Continue reading this article…

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The Carnival of Personal Finance is Up!

by Luke Landes

The Carnival of Personal Finance is a weekly collection of the best personal finance articles from across the blogosphere, usually with an entertaining or thematic presentation. This week’s Carnival was published last night by the blog Four Pillars. Check out the articles picked for Editor’s Choice but don’t miss out on The DIY Haircut and ... Continue reading this article…

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