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

Recovery From the Recession: Are You Better Off Now?

by Luke Landes
Broke money empty pocket

It’s easy for me to turn the pages of my life back to December 2007, at the very beginning of the recession that featured the failure of Wall Street, tightening of the credit market, and damage to worldwide wealth in real property and in the stock market. All I need to do to determine my ... Continue reading this article…

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HSBC Direct Confuses Account Holders With Fee Notice

by Luke Landes
HSBC

Millions of HSBC Direct customers received a strange email yesterday or the day before indicating a few changes to the bank’s fee structure. (HSBC’s former name for its Online Savings Account service is HSBC Direct; the new name will be HSBC Advance.) The statement seemed to indicate HSBC would be instituting a new, high fee ... Continue reading this article…

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Life Insurance: Who Needs It?

by Luke Landes
Life saver

Vote today for Consumerism Commentary or your favorite blog in the People’s Choice Plutus Award! Simply type www.consumerismcommentary.com into the ballot or click the button next to your favorite. Having worked for an insurance company in the past, I may be more critical of the industry than most. Don’t get me wrong. It’s very important ... Continue reading this article…

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Crowdfunding, From Start-Ups to Popular Musicians

by Luke Landes
Crowdsurfing

Starting a new business that has up-front costs can be one of the most frustrating things about being an entrepreneur. I suppose there are many people out there who don’t mind going to friends and family, begging for money, promising great returns, and ignoring the risk inherent both in starting a business and in borrowing ... Continue reading this article…

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Moving to Another Town to Find Singles (Rich or Otherwise)

by Luke Landes
Philadelphia Love

There are many reasons to move from one city or town to another. I would expect moving for a job is one of the most popular reasons. If you have a great job working for a company, but they decide, with or without your agreement, that you would benefit the company more working for a ... Continue reading this article…

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Stock Lock-Ups at Facebook Cause Falling Share Prices

by Luke Landes
Facebook

Today is the final day to vote for Consumerism Commentary and your favorite financial blogs in this year’s Plutus Awards. Take a moment — after reading this article, naturally — to show your appreciation for the best writing about money management and personal finance outside of mainstream media. Starting soon, voting will open for the ... Continue reading this article…

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Should Congress Eliminate the Capital Gains Income Tax?

by Luke Landes
Paul Ryan

Presidential candidate Mitt Romney has selected a running mate, Paul Ryan, who has proposed eliminating the income tax on capital gains. The Vice President of the United States doesn’t have the authority to change the tax law, of course, so there’s no reason to think this idea or the rest of Ryan’s fiscal plan will ... Continue reading this article…

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The Poor Are Priced Out of Checking Accounts

by Luke Landes

Reminder: This is the last week to vote for Consumerism Commentary and your favorite financial blogs in this year’s Plutus Awards. Take a moment — after reading this article, naturally — to show your appreciation for the best writing about money management and personal finance outside of mainstream media. It’s no surprise that low income ... Continue reading this article…

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Going Into Debt Gives Away Your Power

by Luke Landes

Debt fuels the financial industry. Without the profit that lenders of all types earn by collecting interest and other fees, the economy wouldn’t be able to hum along. When the economy struggles, the industry does what it can to maximize what it earns from its borrowers, and some companies seem to be more comfortable than ... Continue reading this article…

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Individualized Coupons Aid Price Discrimination

by Luke Landes
Grocery store

I’m not a fan of allowing companies to track every purchasing decision I make, but I’ve sacrificed some of my expectations for privacy in return for convenience. I use my credit card for most purchases, and over the years, credit card issuers could have created a database with my transaction history and could theoretically use ... Continue reading this article…

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