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Consumerism Commentary



Consumerism Commentary offers daily articles focusing on personal finance and living.



Last Build Date: Mon, 21 Aug 2017 12:08:47 +0000

 



33 of the Best Work From Home Jobs (That Are Legitimate)

Mon, 21 Aug 2017 12:00:00 +0000

A reader recently wrote in asking about part-time, work from home jobs. After all, wouldn’t it be great to bring some extra money in without worrying about a commute, needing to find childcare, or having it interfere with your other job(s)? So we put together this list of some of the best work from jobs […]

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Military Education Benefits

Fri, 18 Aug 2017 11:00:00 +0000

Next to a love of country, a major draw to joining the military is the education benefits. The Servicemember’s Readjustment Act of 1944 expanded the American middle class by offering returning World War II veterans a chance to get a college education. Today, service members are still using those same education benefits they’ve earned through service. […]

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Six Steps to Starting Your Own Business

Thu, 17 Aug 2017 16:00:16 +0000

Many people dream about running their own business. You know, working for themselves, not having to answer to someone else’s rules, not having to rely on someone else for income, making their own hours, and not getting this hated retort: “You should just be happy to have a job.” The dreamer who wishes for an […]

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How Much Life Insurance Do You Really Need?

Wed, 16 Aug 2017 15:28:00 +0000

Deciding how much life insurance to buy is a tricky decision. Your needs and those of your family have so many variables that it’s hard to establish a set guideline. There are a few guidelines, however, to use when calculating your own coverage amount. These guidelines can help you come to a good number that […]

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5 Budget Categories to Create the Best Budget

Tue, 15 Aug 2017 12:00:11 +0000

Creating a budget can be a challenge. How exactly do we go about categorizing our spending? Here we show you how to create the perfect spending plan using just 5 high level budget categories. When I started my first real budget as an adult, the concept was not difficult. I knew I had to track […]

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How to Sell Your Car Fast and For Top Dollar

Mon, 14 Aug 2017 12:00:50 +0000

Trading in your car at the dealer is guaranteed to lose you money. Yet many opt for this route because it’s easy. The better approach, however, is to sell your car yourself. You’ll get more money, and it’s easier than many think. Here’s how to sell your car fast and for top dollar. In this […]

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How to Finally Get Out of Debt

Thu, 10 Aug 2017 13:00:21 +0000

Getting out of debt is key to financial freedom. Being debt free gives you great financial flexibility. Paying off those debts, however, can be a struggle. Here we provide a comprehensive guide on how to get out of debt for good. Along with losing weight, getting out of debt is probably the most popular goal […]

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FutureAdvisor Review 2017: What Can It Do For You?

Wed, 09 Aug 2017 13:45:00 +0000

Investing isn’t always easy. Sometimes you need a friendly guide to point you toward opportunities and help you keep things organized. Sometimes that friendly guide is a robot. This is the premise of a service called FutureAdvisor. The company essentially provides a robo-advisor that offers automated portfolio management, which users can access online. FutureAdvisor uses […]

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10 Tips For Buying a Rental Property

Tue, 08 Aug 2017 12:00:32 +0000

Editor’s Note: This is an article written by Sasha, a former Consumerism Commentary staff writer. In 2007, Sasha shared her experiences with purchasing and managing residential rental properties and the lessons learned. We published these articles in a series of ten. I’ve re-edited the pieces and consolidated the great advice into one article. Looking to […]

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What to Do if You Have a Bad 401(k) at Work

Fri, 04 Aug 2017 12:00:53 +0000

Do you ever have a sense that you have a bad 401(k) at work? If you do, you’re not alone. While a lot of employers have 401(k) plans, many of those plans are average or worse. But if you are in such a plan, you do have options. First we’ll look at how to evaluate […]

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How to Sell Just About Anything on Amazon.com

Wed, 02 Aug 2017 12:00:43 +0000

Selling books and other items on Amazon is a tried and tested way to get rid of stuff around your home. You can even start a side business selling on Amazon.If you’ve been an Amazon fan from the beginning, you know used books is what got the company started. Of course, you can now buy […]

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Wells Fargo Cash Wise Visa® Card Review

Mon, 31 Jul 2017 14:51:16 +0000

Are you looking for a credit card that will reward you whether you’re purchasing a pack of gum or buying a diamond ring? The Wells Fargo Cash Wise Visa® Card may be just that card with its 1.5 percent cash back on every purchase. The card also provides an impressive signup bonus that will leave you […]

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Ten Tips For Cutting Car Insurance Expenses

Fri, 28 Jul 2017 14:00:46 +0000

Car costs got you down? Between maintenance, gas, and insurance coverage, having a personal vehicle is no small expense. Well, the inimitable Suze Orman offers up ten tips for keeping car insurance costs down. These are especially helpful in a world where gas prices and maintenance expenses continue to climb. Here’s the short version: Boost […]

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The Difference Between Savings Accounts and Money Market Accounts

Thu, 27 Jul 2017 14:00:35 +0000

One could be forgiven for confusing a savings account with a money market account (MMA for short). There are, however, some key differences between the two account types. Here’s what you need to know about savings accounts and a MMA. Savings accounts and a MAA are different from each other practically in name only. From […]

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The Simple Math Behind Social Security

Tue, 25 Jul 2017 10:00:00 +0000

Ever wonder how social security is calculated? It’s not just an academic exercise. Understanding how the Social Security Administration calculates your retirement benefits can help you maximize your monthly check. I have exactly one friend who enjoys talking about money — you know, who actually likes discussing 401(k)s, saving rates, and taxes. Well, she recently […]

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A Review of Aspiration Summit Checking Account

Mon, 24 Jul 2017 12:00:01 +0000

Aspiration Summit checking account offers a unique blend of features. From an excellent interest rate to virtually no fees, Aspiration is ideal for consumers looking to be treated fairly by a bank. Read our Aspiration Summit checking account review for all the details. In the world of cash back and interest rates, I try to […]

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10 Easy Ways to Save Money

Thu, 20 Jul 2017 09:00:09 +0000

This year, I’ve spent more money than ever. I’ve been able to swing these extra expenses — including lots of fun new gadgets I’d put off buying for years — without hurting my budget. But now, I’m ready to pull back and start ramping up my savings again. We all know that Americans are generally […]

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A New Bank of America Perk: Free Museum Passes

Wed, 19 Jul 2017 13:30:00 +0000

Bank of America has a long history of supporting the arts through philanthropy and raising awareness. But they’re stepping up their game in 2017 with their Museums on Us program. This program allows qualifying Bank of America members to get into local museums for free on certain weekends, through the rest of this year! Here […]

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Capital One Spark Business Checking Account Review

Tue, 18 Jul 2017 16:58:10 +0000

I created my small business in 2010. One of the very first things I did was sign up for a business checking account. Living in Miami at the time, there was a brick-and-mortar Citi location just a half block away. So, that is the bank I signed on with. The “green” business checking account was […]

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A Complete List of Sales Tax Holidays in 2017

Mon, 17 Jul 2017 10:00:41 +0000

Sales tax holidays are a surprisingly great way to save money, especially during the back-to-school shopping season. On specific dates, states do not require merchants to charge customers sales tax. Even if sales tax seems like a minor line item in your budget, it can make a big difference. Sales tax holidays are an excellent time […]

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Are Cash Back Websites Really Worth the Hassle?

Wed, 12 Jul 2017 17:45:00 +0000

You’ve probably seen at least a few of your friends brag about their coupon-clipping triumphs and bargain-hunting victories all over social media throughout the years. However, it suddenly seems like everybody has moved past sales and coupons into the world of cash back websites. What’s the hype? These websites offer a very tempting service by […]

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How to Get the Best Deals on Amazon Prime Day

Tue, 11 Jul 2017 17:45:21 +0000

Starting last night, Amazon’s 3rd annual flash sale, called Prime Day, went live. The big event runs for 30 hours, ending at 3am EST on Wednesday, July 12. So, shoppers still have plenty of time to take advantage of hundreds of huge deals on the site. So, what is Amazon Prime Day, and how can […]

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How to Travel On a Budget

Mon, 10 Jul 2017 13:30:12 +0000

Travel is the one thing you can buy that makes you richer.   -Anonymous Do you dream of sandy white beaches and daquiris in the sun? Maybe your ideal getaway is a cabin in the mountains, instead. Or perhaps you’re the type who would rather backpack through Italy, eating your weight in pasta and visiting the […]

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Do You Really Need to Buy Travel Insurance?

Thu, 06 Jul 2017 23:27:04 +0000

Traveling to another state, or even to a foreign country, means experiencing a new culture, meeting new people, and making memories that can last a lifetime. It can also mean visiting a hospital in a place where you don’t have any type of medical coverage or being stranded at an airport without your luggage. This […]

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Why Schools Should Teach Personal Finance: A Rebuttal

Mon, 03 Jul 2017 12:30:39 +0000

We recently updated an article here on Consumerism Commentary, arguing that high schools should not require students to take personal finance classes. The article, written by the site’s original founder several years ago, makes some compelling arguments. But I don’t buy it. As a parent, I sure plan to teach my kids personal finance. In […]

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Current and Historical Checking and Savings Account Rates

Sat, 01 Jul 2017 16:00:28 +0000

Since many banks are constantly updating their interest rates offered on savings, money market and checking accounts, this chart should come in handy. On the 1st of every month, this page is updated to show the most accurate rate information available. This list is organized in two sections. The first section includes FDIC-insured savings or […]

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How to Best Handle Old Credit Card Accounts

Mon, 20 Mar 2017 18:34:13 +0000

One of the best things you can do to build awareness of your financial condition is to view your credit report. Your financial condition — as perceived by potential lenders — can cost or save you thousands of extra dollars throughout your credit repayments, such as the life of a mortgage, for instance. You can […]

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Blue Cash Preferred Card® from American Express Review – 6% Cash Back on Groceries

Fri, 17 Mar 2017 15:00:09 +0000

When the Credit Card Act was passed years ago, many thought it would be the end of credit card rewards programs. Despite increased costs of operations, credit card issuers continue to beef up their attempts to attract new customers, with bonuses for signing up and growing perks. The best cards you’ll find today seem to […]

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