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

Personal Balance Sheet, Net Worth, Income, and Expenses, July 2009

by Luke Landes

This year is passing by too quickly. It is time again for my monthly financial reports, originally designed to keep myself accountable for my financial (usually, spending) decisions. This was a technique that has worked well for about nine years, the last six of which have included this monthly public review. July was a strong ... Continue reading this article…

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Podcast 15: Results of the Credit CARD Act and Tips for Dealing With Layoffs

by Luke Landes

Today’s guest on the Consumerism Commentary Podcast is Dr. Robert Manning, author of Credit Card Nation: The Consequences of America’s Addiction to Credit, and founder and CEO of Responsible Debt Relief. Tom Dziubek and Dr. Manning discuss the results and effects of the Credit Card Accountability, Responsibility, and Disclosure (CARD) Act of 2009. Also in ... Continue reading this article…

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Posts of the Week

by Luke Landes

For some fun reading, I recommend these articles written recently and published across the internet. Estate Planning: Are You Ready When Your Time Comes? Lazy Man narrowly avoided death recently, but it is my grandmother’s condition that leads me to link to this timely post. Here, Lazy Man offers several tips to help prepare the ... Continue reading this article…

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Take Back the Beep Campaign

by Smithee

If you were to start adding a comment to this blog post, but we first made you wait fifteen seconds after pressing the “comment” button to make you hear some extraneous instructions, you’d be terribly frustrated. Now imagine if every Web site had the same problem, and imagine further that you were being charged for ... Continue reading this article…

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How to Create the Ultimate Certificate of Deposit (CD) Ladder

by Luke Landes

If you are disappointed with the low interest yields offered by even the highest-yield savings and money market accounts, but you don’t want to tie your short-term cash in a riskier investment, consider certificates of deposit (CDs). CDs, however, generally carry penalties if you withdraw your cash before they mature. In other words, you invest ... Continue reading this article…

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Last Chance to Qualify for iPod Giveaway

by Luke Landes

If you are interested in winning one of two iPods, today is the last day you can qualify. We’re celebrating Consumerism Commentary’s sixth anniversary by hosting a “scavenger hunt.” Four clues have been scattered throughout the website and media throughout the past couple of weeks. The details for the scavenger hunt are here. If you ... Continue reading this article…

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Cash For Clunkers Suspended

by Luke Landes

Editor’s Note: This program is back on again and should be available through Labor Day, 2009 All good things must come to an end, and in some cases, prematurely. The “Cash for Clunkers” Program, or more formally, the Car Allowance Rebate System, has allocated almost all of its budget to rebates after only four days. ... Continue reading this article…

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House Sales Improved in June, But is the Housing Crisis Over?

by Luke Landes

“Now is a great time to buy.” That has been the advertising mantra of the National Association of Realtors regardless of the state of the housing market. The NAR certainly has a purpose; its mission and vision is clearly displayed on the organization’s website: “The core purpose of the NATIONAL ASSOCIATION OF REALTORS® is to ... Continue reading this article…

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EPA Disqualifies Shoppers From Cash for Clunkers Program

by Luke Landes

The Cash for Clunkers Program went into effect recently, but so did changes to the official EPA-estimated mpg ratings of several cars. For example, the 1987 Mercury Grand Marquis, according to CNN Money, was rated a combined 18 mpg last week, but as the program began this week, the rating for this year, make and ... Continue reading this article…

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FICO Suing the Credit Bureaus Over VantageScore

by Luke Landes

Fair Isaac, the company that created and owns what is generally known as your credit score, is suing Experian and TransUnion, two of the three credit reporting bureaus, for creating a competing product that blurs the line between the “real” credit score and the others. The third credit reporting bureau, Equifax, agreed to settle with ... Continue reading this article…

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