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

Cash Decreasing

by Luke Landes

January has been a tough month. My available cash has been decreasing and my investments didn’t do too well. Read the rest of the article to see the chart. I came out ahead, but barely, even taking into account the fact I was snowed in one weekend and didn’t go out and I was sick ... Continue reading this article…

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2004 Investment Performance

by Luke Landes

According to my Microsoft Money 2004 report, my investments did well in 2004. My 401(k) produced a 23.9 percent return over the year, not accounting for my employer match, just the change in fund values. My Roth IRA delivered a 17.2 percent return. I have a regular investment account that provided me with a less impressive 6.8 percent ... Continue reading this article…

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Super Saver

by Luke Landes

This is what I should be thinking about for 2005. The article paints a picture of Rick Kuhlman who has found some ways to save that I think could apply to me. He replaced all the lightbulbs in his house with energy-efficient ones. At first I thought that it would be better to wait for ... Continue reading this article…

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Olsen Twins Buy Out Their CEO

by Luke Landes

The Mary-Kate and Ashley Olsen are now twin queens of their media empire. Not bad for only 18. Apparently their attorney, who helped them build the Olsen Twin Empire and has been CEO of their company, agreed to let the twins take over their business if compensated, and in his own words he was, handsomely. ... Continue reading this article…

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Business Blogging Awards

by Luke Landes

If you enjoy reading Consumerism Commentary (that’s this website, the blog you are now reading), please take a moment to vote for us at the Business Blogging Awards. We’ve been nominated under the “personal finance blog” category. I am pretty sure that we’re not going to win, but it would be nice not to be ... Continue reading this article…

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Tax Time

by Luke Landes

I’ve started working on my tax forms with TurboTax Online through taxfreedom.com, a site that offers free federal and reduced-price state filing. I have almost all the information I need, so I went through to see where I was heading. Thankfully, I took classes last year towards my MBA. If I hadn’t, I would have ... Continue reading this article…

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ING Direct Not Keeping Pace

by Luke Landes

Sorry for not writing much lately, I’ve been a little under the weather. The savings interest rate at ING Direct has not moved up since December 28. Since then, others like Emigrant Direct (at 3 percent APY) and VirtualBank at 2.6 percent APY (for the first $10,000). I’m sure ING Direct has noticed the competition and will ... Continue reading this article…

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My 401(k) Contributions

by Luke Landes

Currently, I am contributing 12 percent of my gross salary to my 401(k). In thinking about my finances for the upcoming year, I’d like to reduce that to 6 percent or 8 percent. There is a strain on the amount of available cash at any moment. Unfortuantely, I am a designated person in my company, according to government ... Continue reading this article…

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Delayed Deposits Cost Account Holders

by Luke Landes

Jonathan Burton of CBS MarketWatch has pointed out that millions of dollars are lost by employees when their employer holds onto 401(k) funds after they are deducted from the paycheck. It works like this. On Friday, January 1, you receive your paycheck. 12 percent of your paycheck has been deducted before taxes and put aside. According ... Continue reading this article…

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Nine Millionaires

by Luke Landes

I believe that this article from MSN Money is better than most of CNN Money‘s “Millionaire in the Making” stories. This article profiles nine individuals and the stories behind their first million dollars. Only one of them has anything to do with real estate; they are mostly stories of taking a chance with an idea ... Continue reading this article…

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