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Credit Card Debt Consolidation

by Luke Landes
Credit card debt consolidation

According to the Federal Reserve’s research published last week, overall American credit card debt increased at an annual rate of 7.5 percent during the final quarter of last year. This could mean that consumers are feeling more confident about the economy and are willing to take the risk that they will have money in the future ... Continue reading this article…

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Bank Switch Kit and Checklist

by Luke Landes
Broken piggy bank

With Wells Fargo changing their policies to be less consumer-oriented this week, I’ve received several questions about the logistics switching banks. In previous decades, closing your account at one bank and opening an account at another was a simple process. All that was required was to walk into one branch, ask to close your account, ... Continue reading this article…

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Buy a Humidifier to Save Money

by Luke Landes

This weekend, I purchased a humidifier supposedly large enough to affect the relative humidity level throughout my apartment. I have a loft area, making heating and cooling my apartment evenly difficult, and I figured I’d need a large humidifier to affect the bulk of my square-footage. I purchased the humidifier mainly to reduce static electricity. ... Continue reading this article…

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Motivation for Multiple Streams of Income

by Evan
Television remote control

This is a guest article by Evan, creator of My Journey to Millions. In the article, Evan discusses what motivated him to move forward with earning multiple streams of income along this journey, and takes a motivational approach to inspire readers to improve their personal finances. Take a moment and just think about what you ... Continue reading this article…

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Flexible Hours in Your Working Environment

by Luke Landes

The option to work from home has been shown to benefit employees and employers. This type of flexibility in working arrangements, when appropriate based on the employee’s responsibilities, increased productivity and retention for the employer and job satisfaction for the employee. The same benefits apply to working arrangements that include flexible hours. As Margaret Heffernan ... Continue reading this article…

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Amazon.com Retail Stores: Another Threat to Small Businesses?

by Luke Landes

I was torn when Amazon.com, the online-only retailer for books, music, and movies, became popular. I liked the convenience, but it was clear that local brick-and-mortar bookstores would have difficulty competing with Amazon’s prices in the long term. I was swayed enough to the side against Amazon when I participated in a boycott of the ... Continue reading this article…

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Are You Concerned About the Very Poor?

by Luke Landes

Whether you agree with it or not, the reason this country has supported programs like welfare, Social Security, the GI Bill, food stamps, Medicare, government-backed mortgages, FEMA insurance, and other social programs is because a modern society benefits when as many citizens as possible have opportunities to succeed financially. Social programs aren’t perfect and don’t ... Continue reading this article…

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Top Ten Personal Finance Start-Ups

by Luke Landes

The financial industry has been mostly static for centuries, with companies doing business and offering services not much different from how the companies operated for earlier generations of consumers. When there is innovation in the industry, it generally comes from smaller companies and entrepreneurs looking to fill a need that isn’t covered by larger, less ... Continue reading this article…

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