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

Ally Bank Increases Interest Rate

by Luke Landes

When I started formally tracking high-yield savings rates, with a shared online spreadsheet, it was common to see banks offering interest rates above 5.0 percent APY. That was in January 2008, and the economy is in a different situation now. According to the government, there has been no measurable inflation, and now interest rates for lending ... Continue reading this article…

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Employee Stock Purchase Plan Dilemma

by Luke Landes

For the last few years, I have been participating in my company’s stock purchase plan at the maximum level. Every paycheck, ten percent of my gross salary is withheld. At the end of each quarter the funds are used to buy my company’s stock at a 15 percent discount from the lower price of either ... Continue reading this article…

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Are You Sure Your Credit Card Still Works?

by Jeff

After we got married, my wife and I combined our finances. We moved most of our money from a local brick and mortar bank to a bank that we primarily access online and over the phone. This arrangement has worked out well for us, but it does mean some accounts that were previously utilized many ... Continue reading this article…

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Sixth Anniversary iPod Giveaway: Winners Announced!

by Luke Landes

Congratulations to Consumerism Commentary readers Aliotsy A. and Scott O.! Aliotsy and Scott were selected randomly among those who responded correctly to the scavenger hunt held last month to celebrate Consumerism Commentary’s sixth anniversary. Both winners chose to receive the Apple iPod Touch. The iPods are now on the way! More giveaways will be offered ... Continue reading this article…

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Consumer Confidence Above Expectations: Are We Out of the Woods?

by Luke Landes

Depending on which newspapers and news websites you read, the Consumer Confidence Index either soared, jumped or surged this month. The headlines as you would expect don’t tell the whole story. The Conference Board calculates this index by performing a random survey by phone of 5,000 households in the United States, selected because they represent ... Continue reading this article…

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Join Me for a Live Online Chat Thursday Night

by Luke Landes

This coming Thursday, August 27, I will be hosting an online chat session. Please feel free to join me on Money Quantum, a social network for people whose lives involve money, to chat about personal finance, investing, blogging or anything else we feeling like chatting about. I will share more information about Money Quantum later. ... Continue reading this article…

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What’s Important to You in Healthcare Reform?

by Smithee

It’s been a while since I’ve taken the pulse of our readers on a hot topic, so I figured it was time. I’ve been paying closer attention than usual to the various proposals in Congress dealing with healthcare and health insurance reform, and I’ve made a list of the different things they’re trying to tackle. ... Continue reading this article…

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Discover Card Overhauls Their Credit Card Terms

by Luke Landes

Editor’s Note:  This offer is no longer available. Now that regulations established by the Credit CARD Act and related rules by the Federal Reserve have begun to take effect, I’ve started receiving notices from card issuers regarding my accounts. My Discover Miles Card was opened in 2005 to attempt a 0 percent balance transfer, a way ... Continue reading this article…

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Cash Back Rebates Now Take the Form of Prepaid Debit Cards

by Luke Landes

My girlfriend is an elementary school teacher in the New York City public schools. One of the benefits of her employment is the reimbursement for the purchase of supplies and materials used in her class. Any teacher will tell you that they are required to pay for many of their own materials, and the amount ... Continue reading this article…

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Podcast 18: Financial Snap Judgments and the PowerCost Monitor

by Luke Landes

Today’s first guest is David Adler, behavioral finance expert and author of Snap Judgment: When to Trust Your Instincts, When to Ignore Them, and How to Avoid Making Big Mistakes With Your Money. Tom Dziubek and I discuss with the author the elements of good financial decision making. Tom Dziubek also speaks with Peter Porteous, ... Continue reading this article…

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