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

Paper Currency Photographs

by Luke Landes

Have a lot of time on your hands? Spend it perusing through the image gallery of paper currency. Many different countries are represented by photographs or scans of various bank notes. I don’t suggest printing any of the images on glossy paper to take with you for use when traveling to the represented location.

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Made a 401(k) Contribution Change

by Luke Landes

I changed the contribution rate to my 401(k) today. Previously 12 percent of my pretax income was being diverted to the 401(k) despite only 4 percent of my income being matched by the employer. I reduced the rate from 12 percent to 4 percent so I could still get the complete company match while allowing me more cash. This ... Continue reading this article…

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Credit Card Rates Up

by Luke Landes

Selena Maranjian from The Motley Fool writes about credit card rates going up in an article aptly titled, How to Owe $40,000 by Doing Nothing. She includes tables showing just how damaging having a 40 percent APR on your credit can be. That’s a pretty high rate, and apparently it’s a more common penalty rate for ... Continue reading this article…

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Financial or Marital Bliss

by Luke Landes

An ever-growing body of research shows that most of us adapt quickly to improvements in our finances; we simply learn to covet a higher class of goods. But the happiness-inducing qualities of a solid marriage last and last. That’s a quotation from this special report from CNN Money. The summary is simple: If you want ... Continue reading this article…

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Individual Social Security Accounts

by Luke Landes

I still need to do more research before I decide whether I like the idea of privatizing social security. For future reference, here’s some information on the current proposal.

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A Very Expensive Quarter Dollar

by Luke Landes

Two different errors on the Wisconsin quarter dollar is causing coins containing one of the errors to be valued up to $1,100, with the possibility of prices going up. Coin World reports that only coins struck at the Denver Mint are affected. State quarters have a mint mark on the “head” side of either “P” ... Continue reading this article…

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Another Option for Your 401(k)

by Luke Landes

You’ve heard of the Roth IRA, but you may not have heard of the Roth 401(k). This is a new twist to the employer-sponsored retirement account that will be going into effect on January 1, 2006. Your total 401(k) contribution limits won’t change, but like the Roth IRA, the money you contribute to the Roth ... Continue reading this article…

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Super Bowl Commercials

by Luke Landes

Spike already posted on his blog some thoughts about the commercials during the Super Bowl, focusing on the draw of monkeys. I’ll add to that a little bit about an ad he didn’t mention. In the first quarter, Fox aired an advertisement for GoDaddy.com. The spot was about some kind of committee hearing on censorship ... Continue reading this article…

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401(k) Asset Allocation

by Luke Landes

The chart that follows is my 401(k) asset allocation. I’m striving for an aggressive approach to investing for retirement since I theoretically have many years before I would be able to stop working. The company suggests a slightly different allocation for an aggressive portfolio: 25 percent small/mid cap instead of my 30 percent, 65 percent large cap instead ... Continue reading this article…

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Auto Insurance Weirdness

by Luke Landes

Here’s something odd. After getting my car last March, I had to pay my entire premium in installments, finally due in December. This year, I have to pay me entire premium due in March. According to their paperwork, this means that in the course of one year, I have to pay two years’ worth of ... Continue reading this article…

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