Founder of Consumerism Commentary. Personal finance writer and speaker. Brand consultant. t.co/4w5pWR1moG t.co/YJO0iVbxn0 Formerly @flexo

Wells Fargo Improving Transaction Posting Order

consumerismcommentary.com — Banks typically look for every possible instance to charge customers to fees. That's why it's particularly important to stay aware of your bank account balances. With the increasing popularity of automatic payments (outgoing) or automatic withdrawals (pulls), a poorly timed deposit can result in overdraft fees or insufficient funds (NSF) fees.

Podcast 171: Kimberly Palmer, The Economy of You

consumerismcommentary.com — I'm a reluctant entrepreneur, but I've learned to be less self-conscious about the fact that this is the designation society has given to me as someone who started his own business. While many people after, but also before, the recession have started side businesses to improve their financial security, for me, a hobby turned into a profitable and enjoyable way to spend my time.

Plutus Awards Winners (Blog Categories)

plutusawards.com — Congratulations to the winners of the Fourth Annual Plutus Awards! Last night at the Financial Blogger Conference in St. Louis, Missouri, the Plutus Awards recognized excellence in the personal finance blogging community with an awards ceremony hosted by Kevin McKee of Reward Boost. Special guests presented winners in attendance with trophies, certificates, and prize bags from sponsors.

Happiness is a Choice, Not an Ultimate Goal

consumerismcommentary.com — Consumerism Commentary and the articles I write here have changed since I started writing about personal finance in 2003. I've personally gone through four financial phases over the thirteen years or so, and because I draw much of my writing from personal experiences, any readers who have been around over the past decade might have noticed the changes and how they've affected my perspective.

The Occupy Debit Card

consumerismcommentary.com — Can an organization offer mainstream financial products while being ideologically opposed to the mainstream financial industry? That's the question I began considering when I first heard that the Occupy Wall Street movement was in the process of developing a prepaid debit card product.

Luke’s Calendar for the 2013 Financial Blogger Conference

lukelandes.com — Posted on October 8, 2013 Below is my calendar for the Financial Blogger Conference. I haven't yet chosen all of the sessions I'll be attending. The events with a diamond icon are sessions in which I'm speaking in some form. Times marked "busy" are private or semi-private meetings with bloggers, chats with company representatives, or invitation-only events.

An Unauthorized Charge From TransUnion: Was My Identity Stolen?

consumerismcommentary.com — Earlier this year, the university where I studied as an undergraduate, the University of Delaware, announced that the school had been the victim of a security breach. The announcement indicated that personal information of anyone who had been on the university's payroll might be compromised, and those who were compromised would receive a letter from the university.

Real Financial Progress Requires Quantum Jumps

consumerismcommentary.com — I don't completely agree with the "get rich slowly" theory. I accept the fundamental advice, like paying yourself first, making conscious decisions about big financial decisions as well as the full series of small financial decisions, and setting long-term goals, but there is a fundamental flaw with taking this theory as the sole approach to building long-term wealth.

Vote for People’s Choice

plutusawards.com — Use this form to vote for the People's Choice Plutus Award.

2014 Federal Income Tax Brackets and Marginal Rates

consumerismcommentary.com — Anyone who likes getting a look at their future tax expenses might be interested in seeing what next year's tax brackets and tax rates will be. The IRS won't officially announce the new rates until December, but because the IRS uses a simple process of inflation and somewhat round numbers to determine the brackets, the rules for the following year are relatively easy to predict.
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