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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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Chase Freedom $100 Bonus Cash Back

by Luke Landes

For the last six months, potential credit card customers have been courted by companies offering bigger bonuses and better offers. Different customers look for different things when choosing to sign up for a new credit card, whether it’s a 0 percent introductory interest rate, a lucrative rewards program, or thousands of miles to use on a ... Continue reading this article…

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Get Rich By Thinking About Being Rich

by Luke Landes

In her new book, Delusions of Gender: How Our Minds, Society, and Neurosexism Create Difference, the author, Cordelia Fine cites studies that show how our lives are affected directly by the labels we give ourselves. I’m not interested in the strictly gender-related aspects of this discussion, at least not for Consumerism Commentary, but I am ... Continue reading this article…

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Unplug Your Cable Box to Save Money

by Luke Landes
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Set-top boxes continuously run in homes who have them. Cable boxes, satellite boxes, and digital video recorders (DVRs) are designed to constantly remain on, even while no one in the household is home. According to the National Resources Defense Council, these devices cost $3 billion to run every year, and $2 billion of that cost ... Continue reading this article…

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