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

Reverse Mortgages

by Luke Landes
Old house

Homeowners over the age of 62 have a unique option available for accessing cash. Reverse mortgages can help seniors access home equity without having to make monthly payments to repay a loan. When a qualifying homeowner has paid off a mortgage in full, or is very close to paying off a mortgage, a reverse mortgage ... Continue reading this article…

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J.P. Morgan Misled Investors, Will Pay $153.6 Million

by Luke Landes

As the market was collapsing, J.P. Morgan Securities continue to convince clients to invest in a complicated investment made up of credit-default swaps, even though the underlying investments were selected by a hedge fund, Magnetar Capital LLC, that would benefit from seeing the investment fail. Allegedly, J.P. Morgan was knowingly selling an investment designed to ... Continue reading this article…

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Full-Year Budgeting for Teachers

by Luke Landes

The school year within the United States public education system lasts about ten months, so some teachers face an interesting budgeting issue that most American workers do not. The first issue is handling a below-average paycheck. Compensation for public school teachers varies wildly depending on years of experience and location, but for the most part ... Continue reading this article…

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Move Where Cost of Living Is Low

by Luke Landes

When living on a budget, there are circumstances where it might make sense to move to a location that makes living more affordable. Living in Manhattan, for example, can be a struggle for anyone earning under six figures of income each year. It’s possible, of course, but other areas of the country offer better housing ... Continue reading this article…

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Podcast 113: The Money Couple, Scott & Bethany Palmer

by Luke Landes

Today’s guests on the Consumerism Commentary Podcast are Scott and Bethany Palmer, also known as The Money Couple. The Money Couple talks about many topics in their book, First Comes Love, Then Comes Money: A Couple’s Guide to Financial Communication such as financial infidelity, money personalities and how couples can better understand each others’ money ... Continue reading this article…

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Capital One Buys ING Direct, Now What?

by Luke Landes

ING Direct has been on sale for the past few years, and I’ve speculated on the rumors of possible buyers like Ally Bank and GE Capital Bank. The winning bidder has been announced. Capital One has purchased ING Direct for $9 billion. Capital One is a financial institution that is historically known as a credit ... Continue reading this article…

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Don’t Live Within Your Means

by Luke Landes

For as long as I’ve been reading about smart money management, “live within your means” has been the underlying mantra that, when uttered repeatedly and internalized, will result in a much more fulfilling life overall. By living below your means, you are sure to come out the end of each month with a net worth ... Continue reading this article…

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Citi ThankYou® Preferred Card $250 in gift cards

by Luke Landes

The offer you are interested in has expired. Read our Citi cards review.

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America’s Lost Decade

by Luke Landes

Larry Summers, former economic adviser to Barack Obama and Treasury secretary under Bill Clinton’s presidency, shared his thoughts on the economy through opinion pieces in the Financial Times and Washington Post. His concern is the possibility that the United States is heading for a “lost decade” similar to Japan’s lost decade in the 1990s. This ... Continue reading this article…

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How a College Meal Plan Wastes Money

by Luke Landes

Meal plans at college are convenient. A student’s food costs are wrapped into each semester’s tuition bill, allowing them to focus on academics and college activities rather than finding the money for each meal. Many colleges offer similar meal plan choices, and the two most popular options are plans that offer either three meals a ... Continue reading this article…

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