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

Credit Card Jacked Up Interest Rate: Cancel the Card?

by Luke Landes

Kimberly Lankford from Kiplinger recently handled a question from a reader. Capital One raised her interest rate from 9.9 percent to 15.9 percent on her account, and she’s wondering what her options are. You could decline the rate change and continue to pay off your balance at the old rate… Capital One would then close your account ... Continue reading this article…

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10 Easy Ways to Save Money Without Much Effort

by Luke Landes

The holiday season is approaching, so I know I’ll be spending more money. I have even begun planning a vacation, and I want to make sure I can afford it. Additionally, I am projecting that my side business will make less money in the future and not allow for the career transition from full-time cube ... Continue reading this article…

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Warren Buffett: Don’t Repeal the Estate Tax

by Luke Landes

If you are lucky enough to inherit (for example) $10 million in property or investments from deceased relatives, you are also lucky enough to pass a good portion of that to the government in the form of estate taxes. It is kind of a strange concept. Why should that money be taxed? It is simply ... Continue reading this article…

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A Car’s Resale Value: Does it Matter?

by Luke Landes

When I purchased my Honda Civic a few years ago, I chose this particular car because it was economical and reliable. I knew that Civics hold their value well, but I wasn’t planning on selling the car for many years. Kelley Blue Book recently announced their awards for best resale value. If you need a ... Continue reading this article…

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Facebook Goes Corporate: Become a Fan of Consumerism Commentary

by Luke Landes

If you’re a member of Facebook, my favorite social networking application so far, you can now become a “Fan” of Consumerism Commentary. Facebook is now allowing companies and brands to have their own pages on the system. The implementation is much better than the experience on MySpace, where non-people have profiles alongside people. Rather than ... Continue reading this article…

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Sold My Third Quarter Stock Purchase Plan Shares

by Luke Landes

I took some time this morning to apply for clearance to sell my company stock purchase plan shares. A recent question from a reader reminded me that I needed to do this before my opportunity would disappear for another few months. The sell was executed this morning, and I was able to get a good ... Continue reading this article…

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My Picks From the Top 100 Undiscovered Websites

by Luke Landes

PC Magazine recently published a list of their editors’ picks for the top 100 “undiscovered” websites. The list spans a variety of categories from reference to music to health. Consumerism Commentary readers are probably familiar with a few of these sites, particularly those in the “money” category. Here are some of the highlights throughout. Hard ... Continue reading this article…

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Gift Cards: Customers Lost $8 Billion Last Year

by Luke Landes

Here’s another reason not to give gift cards or certificates as presents this holiday season (or any other time). According to estimates by TowerGroup, $8 billion was lost by consumers last year who let their gift cards go unused — expired, lost, or ignored. Consumer Reports also says that their latest survey shows that 27 percent ... Continue reading this article…

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Pros and Cons Of New 401(k) Auto-Enrollment Rules

by Luke Landes

Employees who do not specifically choose to do anything with the retirement plans offered by their employer are being targeted by the Labor Department. Under new rules, individuals who do not make their own choice will be automatically placed into 401(k) plans in which their investments will be allocated in a mix of stocks and ... Continue reading this article…

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Members Only: Discounts Offered When Flashing the AAA Card

by Luke Landes

I received a notice in the mail the other day reminding me to renew my roadside assistance service from AAA. For the last several years, I have been a member of AAA “Plus,” which offers the standard service and extra distance for free towing. I’ve decided to downgrade to the standard AAA plan. Before owning ... Continue reading this article…

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