As featured in The Wall Street Journal, Money Magazine, and more!


One Life: The Cost of Extreme Consumerism

by Luke Landes

When the doors opened early for Black Friday sales at a Wal-Mart store on Long Island, the frenzied shoppers stormed in, determined to be the first to grab the bargains before they were depleted. The maniacs trampled the unfortunate Wal-Mart worker whose job was to open the door. The shoppers continued to run in, ignoring […]

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Does Penny-Pinching Encourage Economic Decline?

by Luke Landes

About the author: This is a guest post by Carson Brackney, writer for Personal Finance Analyst. Personal Finance Analyst is an online community of bloggers dedicated to taking the mystery out of money and helping you to live a happier, more successful life with the money you have. In the wake of 9/11, President Bush […]

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The Mythical Demise of Social Security

by Luke Landes

About the author: This guest post comes to you from Mr. ToughMoneyLove, a baby boomer who dishes the hard truth about money and personal finance at his Tough Money Love blog. I cannot count the number of times I have seen or heard statements proclaiming with great certainty that Social Security will “disappear” or that […]

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Predatory Bank Fees Could Lead to the End of Banks

by Luke Landes

About the author: Karney Hatch is a filmmaker whose new documentary, Overdrawn!, explores the predatory lending practices of major national banks with Ralph Nader, Joel Bakan, a loan shark, and many others. In all the number crunching and legalese surrounding predatory fees of various sorts, it’s easy to forget the visceral reaction that they cause […]

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Lessons Learned From Losing a Quarter Million Dollars

by Luke Landes

About the author: This guest article is presented by Debtkid, who recently begun working part-time for LendingClub. He regularly writes at Debtkid about his journey to become debt free. A few years back, I was playing poker at a bachelor party. There were about 12 guys there, and the pot was around $100. During the […]

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Will You Have a Cash-only Yuletide?

by Smithee

There’s a story circulating that customers are using cash instead of credit for their holiday purchases this year, more than they have for many years past. I found this story detailed in Newsweek. Here are the highlights you should know: Credit card issuers are raising interest rates and fees, while lowering spending limits Some analysts […]

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The Battle Royale: You Versus Yourself

by Luke Landes

About the author: Matt Wallaert is a behavioral psychologist and the Lead Scientist at Thrive, a free financial advisory website that helps people organize their finances and plan for the future with personalized feedback from its behavioral advisory engine. Twenty six and addicted to buying suits at Goodwill and geeking out on psychology, he lives […]

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Criminal Charges: Volume XVII

by Luke Landes

About the author: This guest article is presented by Jeremy M. Simon, who writes for Taking Charge. Jeremy’s articles focus on payment card and debt trends impacting consumers. Thanksgiving is nearly here, and credit card misdeeds show no sign of letting up, meaning yet another well-stuffed edition of Criminal Charges, my weekly roundup of news […]

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Take Control of Your Finances Part 6: Get Out of Debt

by Luke Landes

Debt is like indentured servitude. You work and earn income, but you hand over that income to someone else. With debt, your finances are controlled by someone else, not you. For example, credit card companies have the right to change your interest rate at almost any time with advance notice. In fact, CitiGroup recently raised […]

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News and Blogs: Thursday, November 20, 2008

by Luke Landes

Happy New Year? Not For Some. At the beginning of 2009, employees who take part in a 403(b) plan, which is like a 401(k) plan for non-profit organizations, will have fewer investment options. This change will bring 403(b) plans in line with the expectations for 401(k) plans. The change will probably mean higher expenses and […]

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