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

2012

Mass Affluent: College is Worth the Investment

by Luke Landes

You can be financially successful without a college degree. One summer when I was younger, fresh out of college, I worked for a touring drum and bugle corps. It’s a group of 128 adolescents and young adults and 40 staff who drive around the company in buses, performing almost every night for seven weeks, marching […]

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2013 Federal Income Tax Brackets and Marginal Rates

by Luke Landes

When you file your federal income tax return before April 2013, you’re filing your 2012 taxes, and the 2012 income tax brackets define the amount of tax you owe to the government before credits and after-tax adjustments. The first paycheck or consultancy fee you earn in 2013 falls under new rules, however. The 2013 income […]

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Virgin America Visa Signature Card Review, 15,000 Bonus Points

by Luke Landes

Editor’s Note:  Thank you for your interest, this limited-time offer has expired.  Barclays Bank may be beginning to offer its own branded cards like the recently-reviewed Barclaycard Rewards MasterCard, but in the United States this bank is more known for its branded cards. The Virgin America Visa® Signature Card is one such offer from Barclays, […]

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Welcome to Consumerism Commentary

by Luke Landes

If you are new to Consumerism Commentary, start here. My name is Luke Landes, and I am the founder of Consumerism Commentary. I started this website in 2003 to hold myself accountable for my choices pertaining to my financial condition. Over the subsequent years, Consumerism Commentary has grown into one of the most popular blogs […]

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Education Majors Earn Less Regardless of Career

by Luke Landes

As I’ve mentioned before, I studied education as an undergraduate. I knew that my career as a public school teacher would limit my potential earnings over my lifetime, though I eyed administration as a potential progression. I diverged into non-profit work, and if I learned anything from my time working at a non-profit, it’s that […]

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Go to College for Free

by Luke Landes

Welcome new readers. Be sure to subscribe to Consumerism Commentary via RSS. New readers should start here. I enjoyed my experience as an undergraduate at a “state-assisted, privately governed” university. As I did not live in that university’s state prior to attending, my tuition fees were higher than many of my classmates’ fees. To attend […]

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Financial Voyeurism: Sharing Your Finances to Improve Your Life

by Luke Landes
Net worth balance sheet, December 2011

There’s something weird about what I’ve done here at Consumerism Commentary. Although I no longer share all the details on a regular basis, when I started this website in 2003, its purpose was to track my financial progress, to discover and share thoughts about building financial freedom, and to grow my own knowledge about money […]

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Barclaycard Rewards MasterCard Review, Sign-Up Bonus

by Luke Landes

Until recently, Barclaycard was a credit card issuer focused on branded credit cards. Retailers of various types would use Barclaycard’s services to offer credit cards that seemed to be issued by the company whose name was on the card, like Barnes & Noble. The company is at work building its brand and presence in the […]

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Robert Kiyosaki, Financial Guru, Declares Bankruptcy

by Luke Landes
Robert Kiyosaki Bankruptcy

Robert Kiyosaki has been in the business of selling books and seminars, taking advantage of the Amway pyramid scheme and endorsements from Oprah Winfrey, and built his way to wealth selling his ideas about investing. A few years ago, he teamed up with perennial mogul Donald Trump to sell more books. Kiyosaki and one of […]

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5 Most Annoying Banking Fees

by Luke Landes
Grabbing money

Fees and surcharges seem to be an unavoidable part of living in a world where banking is big business. If you keep your financial situation simple, diligently shop around, and keep an eye on your money, you can avoid may of the more common fees. In theory, you could increase your fee-avoidance ability by keeping […]

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