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

Why I Don’t Make Your Financial Decisions For You

by Luke Landes
Sheep

Some feedback over the nine years of writing about money on Consumerism Commentary indicates that there are some readers — not necessarily daily readers and fans of a website, but those who are searching online about some finance-related topic and are at best passing by any particular website — are looking for quick answers. People ... Continue reading this article…

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Are Consumers Really Concerned About Savings?

by Luke Landes
Savings piggy bank

A survey released by Chase today concluded that 74 percent of Americans are concerned about having enough money in savings, but only 34 percent have increased their savings since the economic downturn. There’s more to the survey, but this fact alone raises more than enough questions to consider for an entire day. What does it ... Continue reading this article…

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Pay Your College Tuition By Selling Companionship

by Luke Landes
Love

When I was an undergraduate in college fifteen years ago or so, I convinced my girlfriend at the time to stay enrolled. She was interested in moving back to her home state and pursuing her degree at a less expensive school, but for some reason, I encouraged her to stay at the university with me, ... Continue reading this article…

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Betterment Gifts: A Better Gift Registry

by Luke Landes

I introduced Betterment to readers last year as an alternative method of maintaining a brokerage account. For an annual fee of 0.15 percent to 0.35 percent of your assets invested with Betterment, the company provides a goal-focused way of investing for retirement and saving for future financial goals. The service handles asset allocation automatically based on goals, ... Continue reading this article…

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Banks Raise Interest Rates, Savers Give Up Hope

by Luke Landes
Savings

This week, several banks raised interest rates for diligent savers taking advantage of so-called high-yield savings accounts. American Express Bank, a cousin of a credit card company you’ve probably heard of that reorganized as a bank holding company to better position itself for government protection and balance sheet building, raised its interest rate. Ally Bank, ... Continue reading this article…

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The Poverty Rate Remained Flat Last Year

by Luke Landes

In 2011, the percentage of Americans living in poverty declined from 15.1 percent to 15.0 percent according to the census figures released within the last few days. According to the Census Bureau, this is not a statistically significant change, meaning the number of Americans in poverty, 46.2 million, is roughly the same as in 2010. ... Continue reading this article…

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It’s Time to Create a Will

by Luke Landes
Coins

I’m almost ashamed to admit this: I don’t have a will. I’m not happy about that, and it’s a situation I’ll change within the next few weeks. After being surrounded by so many intelligent people at the Financial Blogger Conference this weekend (please read my review), my lack of attention to this important facet of ... Continue reading this article…

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Ignore Your Mail and Lose Thousands of Dollars

by Luke Landes

The prevalence of junk mail and spam has certainly made weeding out noise more difficult over the last decade. With email, software does a great job of hiding the junk and making the legitimate messages obvious, but there are occasional mistakes. Spam might show up in my inbox a few times each week, while I ... Continue reading this article…

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Achieving Financial Independence

by Luke Landes

Today is the first full day of the Financial Blogger Conference, an annual gathering of bloggers who write about personal finance, investing, and other related topics. This is the second year of the conference’s existence, and hundreds of bloggers, writers, and representative from financial service companies are here at the hotel in Denver. The conference ... Continue reading this article…

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Never Rent a Self-Storage Locker: One Million Reasons

by Guest Author
Storage

This is a guest article by Christine Bilger from Quizzle/Zing. Have you ever watched “Storage Wars”? It’s a real-life series on A&E which follows professional buyers as they scour repossessed storage units for treasures. The buyers on the show will bid hundreds of dollars for the lockers without even knowing what’s inside. It’s pretty hit-or-miss. ... Continue reading this article…

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