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Crowdfunding, From Start-Ups to Popular Musicians

by Luke Landes
Crowdsurfing

Starting a new business that has up-front costs can be one of the most frustrating things about being an entrepreneur. I suppose there are many people out there who don’t mind going to friends and family, begging for money, promising great returns, and ignoring the risk inherent both in starting a business and in borrowing ... Continue reading this article…

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Should Congress Eliminate the Capital Gains Income Tax?

by Luke Landes
Paul Ryan

Presidential candidate Mitt Romney has selected a running mate, Paul Ryan, who has proposed eliminating the income tax on capital gains. The Vice President of the United States doesn’t have the authority to change the tax law, of course, so there’s no reason to think this idea or the rest of Ryan’s fiscal plan will ... Continue reading this article…

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Family Net Worth Down Significantly After Recession

by Luke Landes
Family Net Worth

The Federal Reserve’s survey of family finances in 2010, released recently, provides a picture of how devastating the recession has been to families’ financial conditions. Family income and net worth both declined from 2007 to 2010 across all slices of demographics, but the decline in net worth was much sharper. The Federal Reserve’s report on ... Continue reading this article…

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High School Graduates Without College Degrees Want More Education

by Luke Landes
High school graduate

A survey of high school graduates from 2006 through 2011 who have not earned bachelor degrees and who are not currently enrolled in college shows that a strong majority are not happy with this aspect of their lives. The survey was conducted by the John J. Heldrich Center for Workforce Development at Rutgers University, who ... Continue reading this article…

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Banks Could Make It Easier to Close Accounts

by Luke Landes
Dollar bill

Closing a bank account in the twenty-first century, when a good portion of your banking is handled electronically, can be a cumbersome task. I created a bank switch kit earlier this year to help consumers organize their actions and take the correct steps to move your money from one bank to another without encountering any ... Continue reading this article…

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A Financial Literacy Program for Kids, With Corporate Sponsorship

by Luke Landes
Eighth grade

The best place to learn solid financial behavior is at home. Although a kid’s environment at school and among peers is important in his or her development, the biggest influence on a growing child’s set of values is the behavior of the parents. Parents are role models, so in a perfect world, they are best ... Continue reading this article…

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The College Education Bubble and Crash

by Luke Landes
Graduation

A new survey takes a look at the critical state of today’s recent college graduates. The survey questioned a nationally-representative sample of 444 recent college graduates between the ages of 22 and 29, about their employment situation and experiences. The questions also lightly touched upon these graduates’ financial condition. I’ve included a link to the ... Continue reading this article…

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IRS Looking For Your Offshore Bank Accounts

by Luke Landes

The more money you have, the more likely you are to cheat on your taxes. The rich have more opportunities to try to hide assets and income from the Internal Revenue Service, particularly through offshore bank accounts. In the United States, banks are required to report income earned by their customers on savings and investments. ... Continue reading this article…

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