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

Average Billing: Is it For You?

by Smithee

My electricity provider (which is Green Mountain Energy, because I’m an aspiring hippie), offers me the ability to make the same payment each month, based on the previous six months’ usage. Here in Dallas, people require air conditioning for roughly nine months a year, so our average monthly billing is about $300. I won’t say ... Continue reading this article…

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Credit Card Use Increases Prices for Everyone

by Luke Landes

I use a total of three credit cards. The first is a card issued by Citibank that offers a rounded set of cash back rewards, my alternate is a Bank of America Visa Signature card, and for business expenses I use an American Express Blue Cash for Business card. But I don’t pay interest fees ... Continue reading this article…

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Podcast 16: Jeff Rose, Certified Financial Planner (CFP), and Jeff Bartlett, Consumer Reports Autos

by Luke Landes

In this episode of the Consumerism Commentary Podcast Tom Dziubek speaks with Jeff Rose, Certified Financial Planner™ about financial planning. Jeff talks about different professional designations for financial planners and what it takes to become certified. He shares with Consumerism Commentary Podcast listeners some of the trends he sees with his clients, advice that could ... Continue reading this article…

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Posts of the Week

by Luke Landes

Here are some articles of note. 12 Step Program: Shopping Addiction? MLR (My Life ROI) offers an overview of a twelve-step program for overcoming an addition to shopping. What I really like about this post are the twelve ways to spot a shopping addict. People are notoriously inept when it comes to self-evaluation; perhaps someone ... Continue reading this article…

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Cash for Clunkers: The Revenge

by Smithee

The “Cash for Clunkers” program that we told you about on June 19 has received a shot in the arm in almost-last-minute actions by the House and Senate. They approved an additional $2 billion to continue the unexpectedly popular rebate program through Labor Day. Opponents of the program feel like: Richard Shelby, the top Republican ... Continue reading this article…

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Receiving the First Time Homebuyer Credit

by Luke Landes

Although receiving the first-time homebuyer tax credit initially took six weeks to receive, many customers have had problems receiving their credit from the IRS. As evidenced by the six hundred comments below, many have not been thrilled with the process, even those who filed the paperwork correctly and legitimately should receive the credit. For those ... Continue reading this article…

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Answering Mail: Using Debit Cards as Credit Cards

by Luke Landes

Every so often I address questions and comments I receive via email or Twitter. If you have a question, please contact me using the form on this page. I try to respond to everyone, but it might take a while before I read every email I receive. From A. Parker: What is the difference between ... Continue reading this article…

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Financial To Do Lists

by Jeff

There are so many different ways to organize, prioritize and classify-ize your tasks and responsibilities these days that you’d probably need a couple years just to sort through all of them on your own. You can have an organizer on your computer, your phone, in your pocket or a notebook, or even, if you’re short ... Continue reading this article…

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OCC Requiring Credit Cards to Report all Interest Rate Increases in 2009

by Luke Landes

The Office of the Comptroller of the Currency (OCC), a governmental regulatory organization feeling the pressure with the White House proposing replacing many of their duties with a new consumer-oriented regulatory body, has sent out a warning to the CEOs of all national banks. The Credit CARD Act of 2009 requires credit card issuers who ... Continue reading this article…

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Donations to Rural Classrooms Worth Twice as Much

by Luke Landes

A few years ago, the personal finance blogging community came together to create the pfblogs.org Financial Literacy Challenge through DonorsChoose.org, a charity that facilitates funding for classroom projects needing money. The challenge was designed for bloggers to encourage their readers to provide tax-deductible donations through DonorsChoose.org to fund classroom projects focusing on increasing financial knowledge. ... Continue reading this article…

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