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


Quit Your Job in 2011

by Luke Landes

The recession has been tough on everyone, particularly when it comes to the employment situation. The unemployment rate is still high, so we know there are many people who would like to be working but have not been able to find something. Many who are working have settled for jobs that pay less and offer […]

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How to Start a Coin Collection For You or Your Kids

by Luke Landes

Out of all of my favorite interests or hobbies, coin collecting isn’t ranked first. It is something I’ve enjoyed throughout my whole life, however, even if it’s not something that’s been a primary goal or warranted much effort on my part. It is a great hobby for children for a number of reasons. It opens […]

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Wells Fargo Direct Deposit Advance

by Luke Landes

Consumerism Commentary reader Yana wrote in yesterday to let me know about some changes in the terms for Wells Fargo’s Direct Deposit Advance service. At first, I was surprised that this service exists. At its core, the credit product offered by Wells Fargo is basically a payday loan, though it comes from a reputable financial […]

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Evaluating My Progress Against 2010 Goals

by Luke Landes

There isn’t a lot of time left in 2010. As I get older, time seems to move faster. Perhaps now that I am not spending eight or more hours dedicated to a day job, I will be able to slow down the passage of time. With more time, 2011 may be better for me in […]

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Big Savings for Small Businesses and Shops on Swipe Fees

by Luke Landes

Last week, the Federal Reserve Board announced two proposals for limiting the fees paid to transaction processing companies. MasterCard and Visa would be the most affected if either of these new proposals, set into motion by the Dodd-Frank Wall Street Reform Act, are put into effect. Small businesses and shops that accept debit cards stand […]

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Citi® Platinum Select® Card 24 Month 0% Balance Transfer

by Luke Landes

The offer you are interested in has expired. Read our review of other Citi cards.

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First Credit Card, Getting Fired, and Presumptuous Gifts

by Luke Landes

Saying goodbye to my salary and employer-sponsored benefits should mean that I should be looking to cut back my expenses for a little while as I work on making up for that loss through increased income. This weekend I had my last hurrah, spending money for a new professional-grade digital camera. I had been saving […]

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Podcast 87: Jane Honeck, The Problem With Money

by Luke Landes

On today’s Consumerism Commentary Podcast, Tom Dziubek talks to Jane Honeck, author of the book The Problem With Money? It’s Not About the Money!: Mastering the Unexamined Beliefs that Drive Our Financial Lives. Jane discusses many topics from her book, including how money beliefs are formed & how they shape our attitudes towards money and […]

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When Doing the Right Thing Hurts (Your Credit)

by Luke Landes

It’s been many years since I’ve paid interest on a credit card balance. I don’t think I’ve missed a payment, either, thanks to automatically scheduled transfers from my checking accounts. I know that many regular Consumerism Commentary readers are like me, as well, and rarely pay a fee that’s unnecessary. (Keep in mind I recently […]

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Congress Passes Tax Hike Prevention Act

by Luke Landes

There seems to be more than enough in the new tax cut bill, which will soon become a law, to keep every income level happy. The Tax Hike Prevention Act of 2010 extends the tax cuts first implemented during President Bush’s tenure and adds more benefits for everyone. For another two years, the marginal income […]

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