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

Capital One to Pay $210 Million Including Refunds and Penalties

by Luke Landes
Capital One

The Consumer Financial Protection Bureau struck Capital One hard this week. The consumer protection agency has found that the credit card company improperly marketed add-on products to its customers. Because of this behavior, Capital One has agreed to pay refunds to 2.5 million customers totaling about $150 million, in addition to a $25 million penalty ... Continue reading this article…

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Stating the Obvious: Don’t Share Pictures of Your Credit and Debit Cards Online

by Luke Landes
NeedADebitCard Twitter

I’ve shared a lot of personal financial information over the years at Consumerism Commentary. This site’s original purpose was to hold myself accountable for the financial decisions I would make, and I did so for many years by publishing monthly reports that included my net worth. From these, readers could determine bank account balances, credit ... Continue reading this article…

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Credit Card Users May Pay an Additional Fee

by Luke Landes
Credit cards

When retailers and credit card issuers argue about fees, does the consumer win? The consumer is generally ignored in these discussions. Businesses are controlling the dialogue. Businesses, particularly small businesses that rely on profit margins more than volume, were successful in getting regulators to restrict “swipe” or interchange fees. The fees credit card transaction processing ... Continue reading this article…

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Amazon Prime Loses Money But Is Considered a Success

by Luke Landes
Amazon

I haven’t always been a fan of Amazon.com as a company. There was a time early on in the company’s ascent that its innovators pushed through a patent application for the process behind its one-click purchasing mechanism. It seemed to be such a basic feature for any e-commerce website, including websites in existence before Amazon.com, ... Continue reading this article…

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Where Dave Ramsey’s Debt Snowball Fails

by Luke Landes
Snowball

I’ve written extensively about how Dave Ramsey’s “Debt Snowball” does a disservice to families and individuals struggling to get out of debt. By acquiescing to the emotions of money, those who most need to separate emotions from their financial decisions don’t. Not everyone who is in debt are in that position due to emotionally-driven decision ... Continue reading this article…

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Tuition Reimbursement: A Benefit for Some Employees and Employers

by Luke Landes
Columbia University

Happy anniversary to Consumerism Commentary! Nine years ago today, I published the first article on this website, introducing myself and sharing the original purpose of Consumerism Commentary. The character of the site has changed drastically over this extended period of time, but I’m glad to say I’m still involved with its operation. Thanks for everyone’s ... Continue reading this article…

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Disney’s Premier Visa from Chase review

by Joe Taylor Jr.

Though I tend to prefer cash back credit cards, a really specific rewards card sometimes comes up with an irresistible offer. Disney’s Premier Visa Card from Chase sounds off the bat like something that would only cater to hard-core fans of the Magic Kingdom. After all, it’s not everyone who can pull off paying for ... Continue reading this article…

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Can You Afford to Stay Home With Your Kids?

by Mike Collins

This is a guest article by Mike Collins, creator of Wealthyturtle.com. In the article, Mike explains how he and his wife decided to become a single-income family and he shares some useful advice for those struggling with the same decision. Most new parents will at least consider the idea of living on a single income ... Continue reading this article…

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Be Generous to Reduce Your Estate

by Guest Author

This is a guest post from Michael Maye at our partner site TheStreet.com By Michael Maye Individuals looking for a simple and effective way to reduce their future taxable estate should consider the annual gift exclusion. What is the annual gift exclusion and how does it work? Every U.S. citizen is allowed to give anyone ... Continue reading this article…

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Podcast 167: Women and Success

by Luke Landes

Today on the Consumerism Commentary Podcast, Tom Dziubek talks with Ellyn Spragins, speaker, author, and editor of the Letters To My Younger Self series of books. Ellyn talks to Tom about how women differ from men in regards to success, especially regarding finding and developing their inner talents. They also discuss her “Letters to My ... Continue reading this article…

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