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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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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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$300,000 on Credit Cards and an 815 FICO Score

by Luke Landes
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The choice to use credit cards tends to be more personal than financial. While credit card use can be the gateway to a lifetime buried in debt, it doesn’t have to be. Most people are Type A credit card users. Type A credit card users see credit cards as a tool for buying anything for ... Continue reading this article…

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Reader Question: Invest $100,000 or Pay Off Mortgage

by Luke Landes

To someone with debt, receiving an inheritance can feel like winning the lottery. Occasionally, an heir doesn’t realize money will be coming her way and hasn’t planned for the windfall or thought about her options. Even those who do plan often realize that contemplating options for managing a potential windfall is quite different from making ... Continue reading this article…

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The True Cost of Rent to Own

by Luke Landes
Refrigerator

The debate pitting the concept of buying versus the concept of renting will never end. With a primary home, there may be a plethora of financial calculators and endless real estate analysts to help you make the decision. There are financial considerations as well as non-financial considerations, and pundits on either side who swear their ... Continue reading this article…

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Last Year: Return of the Millionaires

by Luke Landes
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According to the latest World Wealth Report, a study designed by Merrill Lynch Wealth Management, last year was a good year for high net-worth individuals (HNWIs), people with more than $1 million in investable assets. After a few years of lagging due to the global recession, the number of millionaires worldwide has climbed past the ... Continue reading this article…

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