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

The Best Credit Cards for Bad Credit, November 2014

by Luke Landes

For consumers with a poor credit history, the options for new lines of credit are limited. Far too often, lenders take advantage of people with poor credit by charging high interest rates and fees. Rather than improve their credit, the added debt only makes things worse. The world can be a much uglier place when ... Continue reading this article…

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Citigroup Accused in Death of Customer

by Luke Landes

Three months ago, a healthy 49-year-old business man walked into a Citibank office in Jakarta, Indonesia to discuss the matter of a $5,500 debt on his Citi Platinum credit card. The events that followed are unclear, but four hours later, the man left Citi offices in a wheelchair. Citi cars drove him to a nearby ... Continue reading this article…

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Personal Balance Sheet, June 2011 ($379,354, +1.4%)

by Luke Landes
Net Worth Balance Sheet, June 2011

Happy Independence Day to all Consumerism Commentary readers in the United States! I’m celebrating my financial independence, as I do every month, with my regular net worth updates. These monthly reports have been a mainstay of Consumerism Commentary, with only a few lapses early on in the history of this website. For the most part, ... Continue reading this article…

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Podcast 115: LaFoy Thomas, Generational Wealth

by Luke Landes

Today on the Consumerism Commentary Podcast, Tom Dziubek speaks with LaFoy Thomas, attorney, investor and author of the book Generational Wealth: Business & Investing Guide to Building an Empire. LaFoy discusses the concept of financial sophistication and many other topics such as economic indicators, REITs (real estate investment trusts) and how to understand financial statements. ... Continue reading this article…

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ING Direct Financial Independence Days Sale

by Luke Landes
Fireworks

Online bank ING Direct is offering some goodies in July in time for Independence Day. July 4 is a bank holiday in the United States, so this sale starts early. July 1 and July 2 are the only days this sale will be available, so this offer is only around for a very limited time. ... Continue reading this article…

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Citi Simplicity Card Review

by Luke Landes

Editor’s Note: Thank you for your interest, this offer expired and is no longer available. The most popular feedback I receive when reviewing cards pertains to fees. Most users seem to be allergic to annual fees, balance transfer fees, and others, regardless of the quality of the rewards program or bonus offer. Even when the ... Continue reading this article…

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Life After Salary: I Am Selling 18 Months of Company Stock Today

by Luke Landes

My former employer has a generous company stock purchase plan for employees. Each quarter, the company offers the opportunity to buy stock at a discount of 15 percent off the share price at the close of the first day of the quarter or the last day of the quarter, which ever is lower. When I ... Continue reading this article…

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College Costs Well Worth the Investment, Better Than Stocks

by Luke Landes
Graduation

College tuition costs for undergraduates increase beyond the rate of inflation. Particularly in a recession-focused economy, it’s popular to question whether college degrees are worth spending the money. It’s hard to escape bias in opinions; successful college graduates see their circle of friends who have college degrees and are succeeding at a level higher than ... Continue reading this article…

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Put Your Credit Card on Ice

by Luke Landes
Ice cubes

One of the most popular suggestions for people trying to cure themselves from overspending with credit cards is to freeze credit cards in a block of ice. It’s a cute approach to removing the temptation to overspend. It’s a fun concept to consider. You can make an event out of the freezing process. Invite your ... Continue reading this article…

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Should Couples Get a Prenup?

by Luke Landes
Kim Kardashian

Prenuptial agreements are on the rise, as more individuals are concerned about losing their assets in the wake of the recession. Prenups, when handled correctly, can protect an individual’s assets in the increasingly likely event of divorce. Without a prenup explicitly defining how assets should be divvied up, if a divorce occurs, any income earned ... Continue reading this article…

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