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

Are Stock Gains and Losses Real?

by Rob Bennett
Dollar and calculator

This is a guest article by Rob Bennett, a personal finance journalist and author of the blog A Rich Life. Rob developed the Passion Saving approach to money management; Passion Savers save not to finance their old-age retirements but to enjoy more freedom and opportunity in their 20s, 30s, 40s, and 50s. You naturally get ... Continue reading this article…

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Three Banks and One Insurer Fail Fed’s Stress Test

by Luke Landes
Citi Checking Account Piggy Bank

After the recession, the Federal Reserve developed a stress test for banks and financial firms too big too fail. The stress test looks at the financial condition of these corporations and simulates a new recession. Under the simulation, based on a worst-case scenario, not an actual economic forecast, banks pass the test if the companies ... Continue reading this article…

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Barclaycard Ring MasterCard Sets Its Features Through Crowdsourcing

by Luke Landes

Barclaycard, a credit card issuer that primarily furnishes branded credit cards, like the Best Western Credit Card and the Carnival Credit Card, is experimenting with a new business model with a brand new card called Barclaycard Ring. I have to wonder if the “Ring” in the name of the credit card refers to a circus, ... Continue reading this article…

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Should the Government Ban Banks’ Payday Loans?

by Luke Landes

When we think of predatory lending practices, the first thought that often comes to mind is the payday loan industry, catering to people barely, if at all, living paycheck to paycheck. Payday loans service communities with an aversion or without a need for or trust of the mainstream financial industry. Offering short-term loans designed to ... Continue reading this article…

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Podcast 151: ValueMyStuff, Double the Difference

by Luke Landes

Today on the Consumerism Commentary Podcast, Bryan J Busch talks with Patrick van der Voorst, founder of ValueMyStuff, and Tom Dziubek speaks with Ralph Pinto from Chase about their participation in the Drive to End Hunger campaign. Consumerism Commentary Podcast ValueMyStuff / Chase Double the Difference: S06E21 / 178 and 168 Download – RSS – ... Continue reading this article…

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Should You Pursue a Non-Profit Career?

by Luke Landes

I was never destined for the life of a high-income individual. While I was in elementary school, I decided, like many young individuals inspired by good teachers, to become a teacher myself. As I developed an aptitude for mathematics, science, computer programming, languages, and music throughout my time in public school, I eventually leaned towards ... Continue reading this article…

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Expense Report, February 2012

by Luke Landes
Expense Report, February 2012

I mentioned a few months ago with my year-end balance sheet that I would soon be changing the way I report my finances publicly. These monthly reports have been a relatively consistent part of Consumerism Commentary since I founded this website in July 2003. One of the original purposes of this website was to help ... Continue reading this article…

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Vanguard Voice Recognition for Security

by Luke Landes
Voice Pattern Waveform

After a few years of testing this new security feature, Vanguard has begun rolling out voice pattern recognition technology for security. According to the representative I spoke to today, this feature will be available for Flagship customers first, and all customers will eventually follow. Voice recognition adds another layer of security to your financial accounts, ... Continue reading this article…

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Save Money at the Gas Pump

by Luke Landes
Gas Pump Fuel | crowt59

If you’ve stopped at a gas station lately, you might have been shocked to see the price on the big signs. Even if your gas station charges a different amount for credit card users than for cash customers, sometimes called a “cash discount” even though it’s the cash price that’s competitive with other stations, the ... Continue reading this article…

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More Fees for Bank of America Customers

by Luke Landes
Bank of America

Just when you thought it was safe, Bank of America and other large, national banks, are still finding ways to charge customers new fees. Only a few months ago, word of a new $5 monthly fee for debit card users sent Bank of America customers into a frenzy, threatening to move money away from the ... Continue reading this article…

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