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Nothing Bad Is My Fault: Toxic Financial Attitudes

by Luke Landes
Danger

The difference between financial independence and a life of financial frustration comes down to attitude. The way you approach all aspects of your life, not just money, has a significant effect on your long-term financial growth. Personal philosophies dictate how you act and how you react to any situation you face. It’s worth the time ... Continue reading this article…

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Concierge Medicine As a Replacement for Insurance

by Luke Landes
Doctor and medicine

Although I’ve mostly figured out how to get my financial life in order, other aspects of my life still need work. For example, I’ve visited a physician only a few times over the past ten years. I should be seeing a doctor about once a year if I were to listen to the typical medical ... Continue reading this article…

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Black Friday: The Dark Side of Humanity

by Luke Landes
Darth Vader

It is a sad commentary on our culture when not only are people willing to trample and hurt each other to scramble for what is perceived to be a “good deal” but when such trampling is glorified by the media. (Crazy people drive ratings, and ratings drive large advertising profits for the media!) No one ... Continue reading this article…

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The Black Friday Hoax

by Luke Landes
Holiday presents

This is the time of the year when American consumers become focused like a laser on finding deals from retailers. There is some compulsion to buy more stuff as the holidays approach — as gifts for friends and family, in the spirit of Christmas and Hanukkah, and as gifts for ourselves. After all, with the ... Continue reading this article…

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Sadness Inhibits Progress Towards Financial Freedom

by Luke Landes
1929_45637940414_5787_n[1]

Visiting my family this week and through Thanksgiving, I’ve been helping my mother rearrange old photographs, scan some for our online family tree, and place many into albums that will protect them for the future. One of her favorite observations about me is, “You were such a happy baby.” My personality hasn’t changed much. I ... Continue reading this article…

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5 Fundamental Financial Skills You Can Practice

by Luke Landes
Trumpet

An interesting article in Fortune explored how employees can practice basic career skills like professional musicians and athletes use their non-performance time or non-competitive time to practice. This struck a chord with me due to my background with music. I studied music education in college with the intent of being a high school teacher, and ... Continue reading this article…

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Stock Market: Time to Go All In

by Luke Landes
Donkey

I don’t advocate trying to time the market. It’s impossible to predict with any kind of consistent accuracy what the stock market will do, and the impossibility increases — regardless that the concept defies logic — as the time frame is shorter. I’m still looking at a horizon far enough in the distance that the ... Continue reading this article…

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ING Direct Becoming Capital One 360

by Luke Landes

Earlier this year, Capital One’s acquisition of ING Direct was approved and finalized. Consumerism Commentary readers responded, for the most part, by stating they plan on closing their ING Direct accounts in protest. I preferred to wait and see. The conflict and attitude arises from ING Direct’s history of being consumer friendly and on the ... Continue reading this article…

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