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Why Most Millennials Don’t Have Credit Cards

by Luke Landes
Credit Card Statement

According to a new survey, 63 percent of Millennials own no credit cards. For this poll, the Millennial generation is defined as those in the United States aged 18 to 29. The survey, put together by BankRate, attempts to get to the root cause for the lack of penetration of credit cards among this younger demographic, ... Continue reading this article…

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The Root Cause of Your Financial Problems and the Source of Your Success

by Luke Landes
Success

Any person is a product of his or her environment to a significant extent. And because so much of our personality is formed when we are under the age of ten, there’s something to be said for the benefits of being a child within a family situation that has a positive approach to money management ... Continue reading this article…

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Naked With Cash: Betsey S, July 2014

by Luke Landes
BetseyJul2014i

Naked With Cash is an ongoing series at Consumerism Commentary in which readers share their households’ finances with other readers. These participants benefit from the accountability that comes from tracking their finances publicly and the feedback of the four expert Certified Financial Planners (CFPs). For more information, read this introduction. This year, we have four ... Continue reading this article…

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Naked With Cash: Brian, July 2014

by Luke Landes
Brian - Naked With Cash 2014 Net Worth

Naked With Cash is an ongoing series at Consumerism Commentary in which readers share their households’ finances with other readers. These participants benefit from the accountability that comes from tracking their finances publicly and the feedback of the four expert Certified Financial Planners (CFPs). For more information, read this introduction. This year, we have four ... Continue reading this article…

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Wells Fargo Improving Transaction Posting Order

by Luke Landes
Wells Fargo

Banks typically look for every possible instance to charge customers to fees. That’s why it’s particularly important to stay aware of your bank account balances. With the increasing popularity of automatic payments (outgoing) or automatic withdrawals (pulls), a poorly timed deposit can result in overdraft fees or insufficient funds (NSF) fees. A few years ago, ... Continue reading this article…

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FICO Score 9: Fair Isaac Changing Credit Score Algorithm Again

by Luke Landes
Loans

FICO Score 9 is an improvement over FICO 08, and may be more consumer friendly and fair. But will it have any overall effect for consumers?

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15 Actions Families Are Taking Today to Make College More Affordable

by Luke Landes
Graduation

Sallie Mae’s recent report explains the results of the latest survey on how American families pay for college.

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Naked With Cash: Betsey S, June 2014

by Luke Landes
Betsey - Naked With Cash

Betsey offers her mid-year financial update for Naked With Cash.

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