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

Raising the Minimum Wage to $9

by Luke Landes

In his State of the Union address to the United States Congress and the television-viewing audience around the world, President Obama called for an increase in the federal minimum wage as a way to reduce poverty. If you believe that business owners have a right to pay whatever the market will bear, minimum wages, whether […]

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Maker’s Mark Adds Water

by Luke Landes

I’ve never had Maker’s Mark, but I do have friends who enjoy this particular brand of bourbon — or the bottles in which the bourbon is sold. With this latest piece of news, I’m wondering if the company believes the bottle is the product being sold rather than the alcohol inside. Beam, the corporate owner […]

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How to Adjust to a Global Employment Marketplace

by Luke Landes

Chances are good that there is someone else in the world who can do your job better than you can, who is willing to work a lot harder, who can spend more time on the job, and who will accept a lower salary for the same position. Thus is the inequity in the employment marketplace […]

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Capital One 360 Savings Account Review

by Luke Landes

Capital One’s decision to acquire ING Direct was a great strategic move, but the deal had a few problems. Because ING Direct’s parent company, as part of a European bail-out agreement, was required to sell ING Direct in the United States and in other global locations, and to cease using the ING Direct name, Capital […]

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U.S. Postal Service Ending Saturday Delivery

by Luke Landes

The U.S. Postal Service announced today that Saturday delivery of first-class items will end in August. When I asked a few years ago whether we should eliminate the Postal Service entirely, the question generated a good discussion, with many readers agreeing that the best solution to the perennial problem of the service not generating enough […]

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Should Public Employees Go Bowling?

by Luke Landes

Whether you’re watching a twenty-four hour news channel, the local news, or national news “magazine” programs like 20/20 and 60 Minutes, the program directors need to be concerned about ratings. Television ratings are everything to those who work in this industry. If you can’t get an audience to watch a program, there are no eyes […]

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TurboTax vs. H&R Block: The Battle

by Luke Landes

As the I.R.S. is now accepting federal income tax returns, a war is intensifying. The war is between the major tax preparing companies. Intuit’s TurboTax, with its online and desktop software, and H&R Block, with its storefronts and online software, are the major opponents, and the battlefield is media, and the warriors are their advertising […]

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The Wrong Reason To Become An Entrepreneur

by Luke Landes

I don’t have the statistics pertaining to this, but I have a strong impression that many people dream about starting their own business, and many who do have this particular daydream are inspired to consider what this life would be like because they don’t like their boss. Or maybe they don’t like working for someone […]

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Credit Card Checkout Fees Are Here

by Luke Landes

I’m currently in California, visiting my mother, who as I mentioned in a previous article is in the hospital. While articles this week will likely be slow on shizennougyou, one thing I won’t have to deal with while visiting family is the relaxed regulation on merchants who accept credit cards. Starting this week, retailers […]

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SteveDH December 2012 Net Worth

by Luke Landes

Naked With Cash is the year-long series on shizennougyou where seven readers’ households share their financial progress on a monthly basis. I’ve partnered with financial planners who will offer some guidance along the way. Read this introduction to learn more about the series. SteveDH is retired, and he and his wife have two grown […]

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