WHO says it’s time to lift COVID-19 restrictions calling travel bans “ineffective”

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6 Options for When You Buy Now and Can’t Pay Later

"Buy now, pay later" can be a convenient payment method. But if you don’t factor the recurring payments into your budget, it can get messy. This is especially true if you’re juggling multiple buy now, pay later plans on top of other debts. The credit inquiries that some lenders conduct when you apply for any type of credit don’t always offer visibility into buy now, pay later plans you may hold with different companies, so it may be possible to bite off more than you can chew.

Buy Your Next Used Car Online

While the pandemic and a computer chip shortage continue to upend the auto industry, online used car dealerships are thriving. Sales at the three biggest online retailers — Carvana, CarMax and Vroom — are up more than a third year over year, according to 2021 fiscal reports from the three companies. “These online used car sellers have revolutionized the used car marketplace,” says Josh Sadlier, director of content strategy at auto site Edmunds. “The transparency they give you int

What are ‘ghost flights’ and why are they causing so much uproar right now?

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Is There Travel Insurance That Covers COVID Quarantine?

We get it — traveling these days can be an uncomfortable experience. In the ever-changing world of COVID-19 variants, border restrictions and PCR tests, learning how to stay protected is important. Travel insurance can insure you against a variety of complications during travel, including trip delay, trip cancellation and medical issues. But not all policies are the same, and coverage can vary not only across providers, but across policies themselves. Let’s take a look at travel insu

Paying taxes with your credit card in 2022

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The Hanover Renters Insurance Review 2022

Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. The Hanover offers three different renters insurance packages, so policyholders can choose just the basics or upgrade to fuller coverage. The company shines when it comes to service, drawing far fewer consumer complaints than expected for an

Dubai was just named the ‘most popular destination’ — here’s where to stay on points

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How to Get Approved for a Home Loan

If you’ve never applied for a mortgage before, you may be surprised to learn it’s a more complex process than, say, applying for a credit card or even an auto loan. From application to closing, the process can take 30 days or more. This is why it’s so important to get approved for a home loan, especially if you’re looking to purchase a new home. That approval – commonly known as a pre-approval – will greatly improve the chances of getting the home you want when you want it. In fact,

PayPal Business Review for 2022

PayPal is a payment services provider that helps small and medium-sized businesses accept payments in-person and online. With transparent fixed processing rates, dozens of integrations and no monthly commitment, a PayPal Business account is a great starter option for new businesses. Though PayPal's per-transaction fees are slightly higher than its competitors like Square and Stripe, its ease of use, ubiquity and transparent fees make it a solid choice for businesses with fairly low tra

Why I’ll be devastated if this luxury travel brand is gone for good

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Chase’s Instacart Mastercard Is Coming Soon

Many consumers have shifted their grocery shopping habits from in-store to online during the pandemic, and Chase and Instacart are betting this trend will continue. The companies have announced that they are teaming up to launch the Instacart Mastercard in 2022. Future cardholders will be able to earn accelerated points on Instacart purchases made at more than 700 national, regional and local grocers and retailers. It's unknown whether this card will offer more value on Instacart purchase

You can get a COVID-19 test for travel from the comfort of your couch

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Business Loan Broker: Do You Need One?

Finding and applying for business financing can be time-consuming and complicated, especially if you don’t have much experience with the process. Business loan brokers can save you time, offer industry knowledge and hopefully help you get the best small-business loan offer. But they aren’t necessary for every business. Here’s what you need to know about business loan brokers to decide if one is right for your needs. How Much Do You Need? with Fundera by NerdWallet

Easy money: How this Capital One Travel perk automatically saved me 20% on a flight

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IHG Set to Overhaul Loyalty Program

Big changes are coming to the IHG loyalty program later this year. IHG Hotels Resorts announced today that a new tier and bonus point earning structure is set to launch in March 2022. Among the changes you can expect to see: Four tiers of elite status (up from three). A higher bonus points earning rate on its Silver, Gold and Platinum elite tiers. Renaming of the highest "Spire Elite" tier to "Diamond Elite." Here are the new tiers under the upcoming IHG loyalty program:

Deal alert: Half-price round-trip flights to San José and Liberia, Costa Rica

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The Best Award Flights to Book to Calgary

Headed north of the border? Consider Calgary as a destination for your next trip. As the biggest city in Western Canada and the largest in the province of Alberta, Calgary is home to a booming oil industry, but a lot more, too. Tourists flock to town for its world-famous Calgary Stampede rodeo event. Couples and families alike will love the great shopping downtown as well as visits to the Calgary Zoo and getting a bird's-eye view of the city from the top of Calgary Tower. Calgary Internati

You can now get your free at-home COVID-19 tests from the government — here’s how

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An Overview of Airline Award Charts

It’s always exciting when you’ve finally saved up enough airline miles for an award flight. Whether you’re looking to stretch your miles by flying economy or want to splurge for a first-class ticket, the amount you’ll pay will vary by airline. While many U.S. airlines have ditched fixed-rate award charts in favor of dynamic pricing, some still hold on to this legacy. Let’s take a look at all of the different airline award charts so you can maximize your redemptions. Alaska

Here’s what happened when I stayed at the cheapest all-inclusive resort in Tenerife

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Just booked! Award space to Israel in upper class on Virgin Atlantic is wide open

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Smart Money Podcast: How Nerds Choose the Best, and Paying for College

Welcome to NerdWallet’s Smart Money podcast, where we answer your real-world money questions. This week’s episode starts with a discussion about how Nerds choose the best financial products for consumers — while keeping their editorial integrity. Then we pivot to this week’s money question from Richmond, who left us a voicemail: “A couple of my coworkers say that they can't afford to go to college because they would miss out on income that they're getting from their cur

How to Have the Wedding You Want for Less

This one goes out to all you lovebirds who got engaged over the holidays and are now left planning a wedding with zero event-planning experience. Somehow you’re expected to craft a day that’s traditional, yet modern. Well-attended, yet intimate. It’s about you as a couple, but also shouldn’t be offensive to any of your guests. And most crucially, don’t overspend, but make sure it looks expensive. Sure, weddings are fun, but the most important part of any wedding is everything t

Caribbean Airlines launches new 737-8 planes into service

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Deal alert: Icelandair fare sale to Europe as low as $332 from major US cities

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What is Medicare Extra Help?

Extra Help is a federal program that helps Medicare beneficiaries with low income and limited resources pay for prescription drugs with Medicare Part D. “These programs are really important and can save people thousands of dollars per year,” says Erin Guay, paralegal and compliance officer at the Pennsylvania Health Law Project. If you qualify, the government estimates that Extra Help is worth about $5,100 per year. If you’re having trouble affording your prescription drugs, the Me

Deal alert: Flights to Rome under $500 round-trip from major US cities

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Best Credit Cards of 2022: Why the Hyatt Card Was My Pick for Hotels

Hyatt has fewer hotels than its competitors like Marriott and Hilton, but loyalists love the hotel chain for its outstanding service and rewarding loyalty program . And the secret many value-seekers may not know: A Hyatt award stay can cost substantially fewer points than award stays with other hotel programs. While competitors like Marriott and Hilton charge up to 100,000 points (or more) for a standard room at their nicest hotels, standard rooms at luxury Hyatt properties go up to a m

Americans can get free at-home COVID-19 tests soon — but they won’t work for travel

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The NerdWallet guide to finding the best car insurance rate

Comparison shopping is crucial if you want to save money on car insurance. Here’s why: Insurers look at similar factors, but they have their own “secret sauce” when it comes to setting rates. So two companies can charge wildly different rates for the same driver. How to compare car insurance quotes First of all, every car insurance rate quote you receive should be free, whether it’s from Geico, Farmers or a small insurer you’ve never heard of. Some auto insurers require a d

Omicron could fade in ‘weeks,’ former FDA head tells travel industry

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What Is an Additional Insured Endorsement?

An additional insured endorsement changes an insurance policy to expand coverage to a person or organization that isn’t named in the original policy. You may need to add other parties to your business insurance policy if you lease space or work as a subcontractor. To break the term down further, an “additional insured” is a party who's added to an insurance policy so that they can be protected alongside the policyholder. An “endorsement” is a modification to an insurance po

Alaska Airlines is making 3 big changes to the upgrade process

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Smart Money Podcast: Saving for Your Dream Retirement

This article provides information for educational purposes. NerdWallet does not offer advisory or brokerage services, nor does it recommend specific investments, including stocks, securities or cryptocurrencies. Welcome to NerdWallet’s Smart Money podcast, where we usually answer your real-world money questions. But in this episode, we continue our series on financial dreams , with conversations with Nerds who have accomplished their financial dreams and interviews with outside gu

TPG’s guide to Mexico’s answer to Napa Valley: Valle de Guadalupe

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4 Things to Know Before Getting the Chase Freedom Flex

Looking for a $0 -annual fee credit card with rewarding bonus spending categories? Look no further than the Chase Freedom Flex℠ , a solid Chase travel card for beginners that offers up to 5% in bonus reward categories that change every three months. But before you apply, consider those rotating categories, how to get the most out of your rewards and the all-important Chase 5/24 rule — which limits the number of personal credit cards you can open within a two-year period. Here are

Ending tomorrow: Earn 5% cash back on groceries for Chase Freedom Flex, Freedom Unlimited

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QuickBooks Payments Review 2022: Cost, Features, Alternatives

QuickBooks Payments is a sensible payment processing solution for small businesses that already use QuickBooks for accounting, need to accept invoice payments and don't require other third-party payment integrations. It's an especially strong choice for businesses that provide services to other businesses, then bill them through QuickBooks Online. However, customer service isn't 24/7 and the QuickBooks point-of-sale system it works with has limited hardware options. Processing

Deal alert: Fly to the Maldives for less than $900 round-trip

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5 Steps to Strengthen Your Finances in 2022

This article provides information for educational purposes. NerdWallet does not offer advisory or brokerage services, nor does it recommend specific investments, including stocks, securities or cryptocurrencies. 2021 was a year of financial strain for many Americans: Household debt and the overall cost of living increased, while median household income decreased, according to NerdWallet’s annual household debt study . In 2022, setting grand financial goals may not be realistic for

After nearly 2 years, Hawaii sees return of large cruise ships

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Why I Gave Up $400,000 of Passive Income

Imagine making over $400,000 a year, and you don’t even have to get out of your bed. But then one day you decide to give it up – to give it all away. Why in the world would anybody do that? But that’s exactly what I did with my financial planning practice. I poured my entire career, over 16 years, into building a business that was making me well over $400,000 a year. If that wasn’t enough, I was the boss, I didn’t have to commute to work, and I had a dedicated team that was taking ca

Smart Money Podcast: New Money Resolutions, and Strategizing Debt Payoff

Welcome to NerdWallet’s Smart Money podcast, where we answer your real-world money questions. This week’s episode starts with a conversation about how to craft and achieve your money resolutions in the new year. Then we pivot to this week’s money question from a listener’s text message: “I'm carrying less than $5,000 in credit card debt, around $25,000 in student loans, and I just bought a condo. I'd like to buy a house in a few years and keep the condo as a rental prop

Venice will soon charge tourists 5 euros for every day they visit

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What To Know About Getting Pre-Approved For A Car Loan

If you’ve been considering buying a new car, but you’ve hesitated because you worry it will be expensive or the process of securing a loan will be too difficult, take heart. There are several steps you can take to get the best possible deal and make getting a loan, and eventually a car, a smoother process. One of the best steps you can take for yourself is to get pre-approved for an auto loan. Just as with getting pre-approved for a home loan, getting pre-approved for a car loan will gi

How to Attract Busy Contractors to Your Home Remodel

Brian Gawthrop has waited over six months to remodel his home. The Washington state-based certified financial planner and his wife have a long enough wish list to keep a contractor busy: a kitchen remodel, new flooring, a new deck and many other upgrades. They did a cash-out refinance last summer, which lowered their mortgage rate and gave them money to use toward home improvements. They planned to start soon after receiving the cash, but by mid-December Gawthrop still hadn’t found the

Deal alert: Flights to Spain starting under $300 round-trip from US cities

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Average Cost of Car Insurance

The average cost of car insurance can vary depending on the car you drive, where you live, your age, and plenty more. In the meantime, the auto insurance company you buy coverage from will also play a huge role in how much you pay — for better or for worse. With that in mind, it always makes sense to shop around with at least three or four different companies offering the type of coverage you need the most. By comparing car insurance rates among multiple providers, you can make sure you are g

Has the AmEx Platinum Turned Into a Glorified Coupon Book?

The Platinum Card® from American Express raised its annual fee this year, and added a few more random discounts narrowly disguised as “statement credits.” We’re looking at you, Walmart+ and SoulCycle . With a massive $695 annual fee, is The Platinum Card® from American Express just a glorified coupon book? The card offers a long list of credits at various retailers — Uber, Saks Fifth Avenue, Equinox, just to name a few. But the statement credits have so many different d

Deal alert: Flights to the Dominican Republic from under $250 round-trip

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Deal alert: Escape to sunny California this winter for fares as low as $98

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15-Year vs. 30-Year Mortgage Comparison: Which is Better?

Even though 30-year mortgages are much more common, financial experts often recommend a 15-year mortgage instead. Is that advice always right? The best answer to that question is, sometimes! Even though, yes, you will pay off a 15-year mortgage in half the time it takes to pay off a 30-year mortgage, you’ll be trading off a much higher monthly payment to get that benefit. Before taking the plunge into a 15-year mortgage, it’s best to know exactly what you’re getting into. With that in mi

Deal alert: Winter getaways to Puerto Rico, US Virgin Islands from $199 round-trip

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More answers about the French health pass and trusted traveler programs

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Smart Money Podcast: Buying Your Dream House

Welcome to NerdWallet’s Smart Money podcast, where we usually answer your real-world money questions. This episode, we kick off our series all about financial dreams, with conversations with Nerds who have accomplished their financial dreams and interviews with outside guests about what they want to do with their money in 2022. Check out this episode on any of these platforms: Before you build a budget NerdWallet breaks down your spending and shows you ways to save.

Earn up to 100,000 miles with the Capital One Venture X

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6 Best Points and Miles Hotels in Las Vegas

Sin City isn’t so sinful when you can save cash by redeeming hotel loyalty points for your stay. Some of the best hotels in Las Vegas are part of hotel loyalty programs. That means you could have some extra spending money if you play your cards right. After you rack up hotel points via travel, credit card spending or points transfers from credit card or airline partners , it’s time to put those points to use. Redeeming hotel points for a Las Vegas vacation can be a great way to

The Best Travel Credit Cards for Low Spenders

You’ve probably seen an exciting article or two about people traveling to far-flung destinations using travel rewards points. As inspirational as these stories tend to be, they may seem out of reach for you — especially if you’re a low spender. After all, how do you earn points if you don’t have many expenses? Happily, not all cards require you to splash out to cash in. Let’s look at the best travel credit cards for low spenders and their benefits. The best starter credit ca

Cleared for Takeoff: A dream honeymoon close to home

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What the No Surprises Act Means for Your Medical Bills

More Americans worry about unexpected medical bills than any other expense, according to polls by the Kaiser Family Foundation in 2018 and 2020. Unfortunately, those bills aren’t rare: 18% of emergency visits and 16% of in-network hospital stays had at least one out-of-network charge, a 2020 Peterson-KFF Health System Tracker study found. The No Surprises Act, which bans most surprise medical bills as of Jan. 1, could ease those worries. “This law puts an end to the practice of cha

What Is a Third-Party Payment Processor?

A third-party payment processor is a provider that allows a business to accept payments without opening its own  merchant account , a bank account needed for holding money earned from card payments. These processors generally offer fast setups, charge  flat-rate fees  and process transactions from several merchants into shared merchant accounts to reduce operational costs. How a third-party payment processor works After a third-party payment processor processes a card payment, i

Allegiant used to love flying used planes; now it’s betting big on new jets

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How to Retire at 35 (and not give up Netflix)

Building wealth and achieving financial independence is fairly straight forward. You need to make more than you spend and invest the difference. It’s the simple advice most people don’t want to hear. They want the latest “money hack” that is guaranteed to make them a millionaire over night. Steve Adcock understands this. And if you read over his Twitter feed you quickly get a sense for his no BS advice to help others achieve financial independence. As far as what makes Steve the expe

Half of Travelers Have the Same New Year’s Resolution

As another year greets us, people around the world have started finessing their New Year’s resolutions. Here's one surprising resolution, reported by an AmEx Trendex travel trends poll conducted in October 2021: 52% of respondents have a desire to take more vacation time in 2022 than 2021. But for those who want to get away, is travel likely? As more companies return to the office and flexibility dwindles, we’re left wondering how possible it will be for people to accomplish New Year�

Hong Kong bans all flights from US and UK

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Cheap Life Insurance Companies for 2022

Cheap life insurance isn't out of reach, especially if you're healthy. Compare rates from a range of carriers, and apply as soon as you identify a need for coverage — such as when you take on a new financial obligation, like getting a mortgage or having a child. To get started, here’s a breakdown of some of the cheapest life insurance companies by age, gender, rate class and policy type. Methodology: These rates are based on analysis by Quotacy, an online life insurance brokerage

Just one United Polaris Lounge is left to reopen

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How Much Is Malpractice Insurance?

What is malpractice insurance? Malpractice insurance is insurance that protects doctors, lawyers and other professionals from liability for events that injure or kill patients or clients. Many states require physicians and other professionals to have malpractice insurance. Malpractice insurance typically covers: Attorney fees. Court costs. Arbitration fees. Settlements. Punitive and compensatory damages. Medical damages. Malpractice insurance typicall

UK could drop predeparture COVID-19 testing restrictions for arrivals this week

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5 Things to Know Before Getting the AmEx Gold Card

Whether you’re looking for your first credit card or your wallet is already bursting with plastic, you’ll want to do your research before acquiring a new card. After all, every credit card is different; from application requirements to card benefits, different banks have done their best to entice you as a customer. A mid-tier card offered by American Express, the American Express® Gold Card is a solid option for many consumers. This is thanks to its strong earning structure and tr

How to Help Your Parents Navigate Health Care in Retirement

Many adults find themselves helping their aging parents with Medicare, a complex process with many steps and considerations. There are penalties for delaying enrollment, and not everyone understands their options when they get sick or change plans. “You can’t go into it thinking it’s really easy,” says Melinda Caughill, co-founder of 65 Incorporated, which offers guidance on Medicare. “It is incredibly complicated, and the decisions your parents made, or will make, will affect yo

Veterans United Home Loan Review

Veterans United Home Loan Review: #1 VA Home Lender for Veterans Key takeaways: Founded in 2002, Veterans United Home Loans offers unparalleled expertise in the VA mortgage industry. However, potential borrowers should note that Veterans United only offers VA loan products, meaning they do not offer traditional mortgages or home equity loans. Veterans United is easily the top lender for veterans seeking VA home loans, which let veterans and other military members purchase a home with competiti

NerdWallet’s Best Credit Card Tips for December 2021

As you reconnect with more friends and loved ones this holiday season, the pressure to spend on gifts, food or other items for the festivities ahead may be high. Whether you’re being a frugal shopper or splurging, a credit card can offer ways for you to stay true to the budget. As you start planning resolutions for the new year, a credit card that aligns with goals can also be fruitful. Here are a few ways to get more value from your credit card this month and beyond. Keep holiday p

Traveling to France? There are new rules. Here’s what you need to know

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Pros and Cons of Debt Consolidation Loans

Having one debt to pay off is stressful enough as it is. But it’s a much bigger headache if you owe debts to multiple places, as your odds of forgetting a payment will increase, and the varying interest rates between the different debts can end up taking a bite out of your wallet. If you have multiple debts, such as overdue credit cards you need to pay down, a debt consolidation loan might be able to help you to better keep track of what you owe by getting it all in one place, perhaps eve

Ink Business Premier℠ Credit Card‎‎ Review (New Card, 100k Offer, 2x UR Points on Everything; Probably Can’t Transfer Points)

physixfan       2021-12-14     2021-12-14 0 Comments 2021.12 Update2: About whether you can transfer points to partners using other UR cards, TPG made an update saying that you can transfer UR points into this card but you can’t transfer them out, and thus you can’t transfer UR points earned on this card to partners in any way. We will see if it’s actually this case when there’s data points. If it’s true, then this card is useless. 2021.12 Update: This is

Music cruises to set sail on the high seas in 2022

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Why are so many people bringing guns to the airport?

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Southwest deal alert: Book flights to Chicago for just 2,655 miles one-way

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Will I need a COVID-19 vaccine to cruise? A line-by-line guide

Advertiser Disclosure Many of the credit card offers that appear on the website are from credit card companies from which ThePointsGuy.com receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). This site does not include all credit card companies or all available credit card offers. Please view our advertising policy page for more information. Editorial Note: Opinions expressed here are

Balboa Capital Review

Balboa Capital is an online lender that provides small business loans and equipment financing. Like alternative lenders, you can apply online for funding and receive funds within a few days. In return, you can expect high interest rates and a frequent repayment schedule. Overview: Balboa Capital pros and cons Pros Easy access to financing with low eligibility requirements Speedy funding process Equipment financing product offers a corporation-only guarantee option

Pennsylvania Small Business Loans: The 6 Best Options

As an entrepreneur in Pennsylvania, you might need a business loan to start a new business or to grow your current business. Pennsylvania has more than one million small businesses, and together they make up 99.6%—nearly all—of the state’s economy. Given their importance to the local economy, Pennsylvanians have several resources that they can turn to in order to borrow money for their business. In Pennsylvania, a multitude of private lenders, nonprofit organizations, banks, and

What airline fare classes tell you about your ticket

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Don’t wait: These credit card offers and credits expire today

Advertiser Disclosure Many of the credit card offers that appear on the website are from credit card companies from which ThePointsGuy.com receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). This site does not include all credit card companies or all available credit card offers. Please view our advertising policy page for more information. Editorial Note: Opinions expressed here are

How long do Bilt Rewards points take to transfer?

Advertiser Disclosure Many of the credit card offers that appear on the website are from credit card companies from which ThePointsGuy.com receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). This site does not include all credit card companies or all available credit card offers. Please view our advertising policy page for more information. Editorial Note: Opinions expressed here are

Best Banks for Small Business in Colorado

Finding the right banking partner is crucial for entrepreneurs, as this relationship forms the backbone of how you process and manage your company’s finances. And if you call the Centennial State home, you probably want to learn more about the best banks for small business in Colorado. The good news is that the best bank for small business needs in Colorado depends on what you’re looking for out of your banking relationship. The best banks for small business in Colorado each offer some

TPG’s top flyer Zach Griff shares 2021 highlights, travel stats and what’s coming in 2022

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Loans to Start a Farm: Top Farm Financing Options

If you’re looking for business loans to start a farm, we don’t need to tell you that farming is a tough business. Not only is it capital intensive, but markets for certain products swing often, which can be tough for all of the hard work you put in. Because farming is nothing if not honest, hard work—with a lot of rewards, of course. But back to capital. You need money to make a farm run, and run well: Things including purchasing large equipment and livestock, and upgrading your

Is smoking allowed on cruise ships? A line-by-line guide

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Commercial Bridge Loans: The Ultimate Guide

If you're looking for business financing—particularly to purchase or fund a real estate project—you may have come across commercial bridge loans. Bridge loans, however, are a very unique type of short-term financing that function differently from typical business loans . So, what exactly is a commercial bridge loan and how does it work? We're here to help. In this guide, we'll explain everything you need to know about this type of financing to determine if it's right for your busi

Shippo Review: Pricing, Features, Top Alternatives

Running an ecommerce business involves so many moving parts it takes top-notch organization skills to keep up. You’ve figured out how to sell online, and if you sell tangible goods that need to be shipped, you’re no stranger to frequent trips to the post office or shipment center—and the price of shipping too. There are some shipping services out there to help you manage all of your shipments, but choosing one can be difficult. Shippo is one service that you can use to make your ship

Vail Resorts changed its mask policy: What to know before you head to the mountains to ski

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Everything Guide to SBA Hotel Loans: What to Know and How to Get One

If you’re starting a hotel business or expanding an existing one, you already know that you have a massive undertaking on your hands. All of the moving parts within the industry are intimidating to just about everyone —and securing business financing is just one big piece of it. Because, beyond the basics of staffing logistics, design, marketing, and more... how, exactly, will you pay for it all? In this arena, though, there’s good news for aspiring US-based hoteliers. Through the

What do the CDC’s new isolation and quarantine recommendations mean for travel?

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Venture Debt Financing: How It Works, Terms, and Best Alternatives

Venture debt is a type of debt financing that's available only to venture-backed startups. Venture debt is typically less expensive than equity financing and is often used by startups between equity rounds or to supplement equity financing. Venture debt lenders evaluate a startup's growth rate, business plan, and track record with investors. With the immense number of business startup costs involved in launching a company, founders are always concerned with financing their ventures. But se

TPG staffers share their 2022 New Years’ resolutions

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The 6 Best Retail Business Loans, According to Your Needs

Picking the best retail business loan for your specific needs means knowing where to look. We suggest you start with the top six business loans for retail: SBA 7(a) loans.  Best for general expenses. SBA 504/CDC loans . Best for commercial real estate. Business lines of credit . Best for sustained cash flow gaps. Short-term loans . Best for time-sensitive expenses. Equipment financing . Best for specific fixed assets. Inventory financing.  Best

7 pandemic-related card perks that are ending in 2021

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Quicken Loans Review

Key takeaways: Founded in 1985, Quicken Loans was one of the earliest companies to break into the online mortgage space. While the name Quicken Loans is still used in some promotional materials, the company announced it was changing its name to Rocket Mortgage in May of 2021. As one of the top mortgage originators in the United States, Quicken Loans/Rocket Mortgage offers new home purchase loans, mortgage refinancing, VA home loans, FHA loans, USDA loans and more. Rocket Mortgage earned the #1

The ultimate guide to getting upgraded on United Airlines

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Smart Money Podcast: What Our Listeners Accomplished This Year, Part 2

This article provides information for educational purposes. NerdWallet does not offer advisory or brokerage services, nor does it recommend specific investments, including stocks, securities or cryptocurrencies. Welcome to NerdWallet’s Smart Money podcast, where we answer your real-world money questions. This week’s episode continues our celebration of our listeners’ money wins in 2021. Check out this episode on any of these platforms: Our take Setting and working towar

PSA: Activate Your 5% Bonus Categories for 2022 Q1 Now!

Geo       2021-12-15     2021-12-15 8 Comments 2021.12 Update: 2022 Q1 (Jan., Feb., Mar.) 5% categories are released! Now it’s the time to activate them. A number of credit cards offer 5% cashback in categories that rotate every quarter (three months).  If you are a Chase Freedom Flex (CFF) (Or Old Chase Freedom), Discover It, Citi Dividend, or US Bank Cash Plus cardholder, use the links provided below to activate your bonus categories indicated below: 1. C

Small Business Loans NYC: Your Local Funding Guide

Small business loans for New York City small businesses can come from many sources—from local government-guaranteed programs to national banks that lend especially to NYC businesses, options abound for NYC business owners who need access to small business funding. Top 6 small business loans for NYC businesses Though small businesses in NYC can access loans through many national lenders, local NYC small business loans might feel more personalized and face-to-face. And, lucky for N

Sorry, that extra $35 you got in your Uber account was a mistake

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The little-understood government rule that allows airlines to dominate certain airports

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There’s wide-open award availability for coveted Qsuites throughout 2022

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How to Use GoFundMe for Business Startup Funding

GoFundMe business campaigns allow businesses to reap the benefits of crowdfunding—essentially accessing funding that doesn't involve taking on business loan debt or diluting equity. That said, creating a successful GoFundMe business campaign will take a fair amount of investment, marketing, and time. Whether you’re just starting up, raising money in a dry spell, or seeking funds for an exciting opportunity, crowdfunding might seem like the logical choice. With all of the success st

IHG Spire Elites: Remember to claim your choice benefit by Dec. 30

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Which purchases count as travel with Chase Sapphire Preferred and Chase Sapphire Reserve?

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How to Travel to Vancouver on Points and Miles

The busy port of Vancouver, British Columbia, is a popular Canadian destination for outdoor junkies no matter the season. Take a stroll in the roughly 1,000-acre (400-hectare) Stanley Park, experience the Sails of Light display at Canada Place or hit the slopes at one of the ski resorts outside of the city. If you’re on a budget, here’s your points and miles guide to visiting Vancouver with little out-of-pocket cost. Getting to Vancouver Nearest airports When it comes to flight

Can You Write Off Unpaid Invoices? Everything You Need to Know

Small business owners can write off unpaid invoices if they fit the following criteria: They’ve recorded the unpaid invoices in their accounting system, they’re an accrual-basis taxpayer, and they can prove to the IRS that they’ve taken reasonable steps to collect the invoice from the customer. Unpaid invoices—as much as any business owner wishes they weren’t something to be considered, they are. You know the drill: You get a new customer, provide a product or service to them, an

4 big US cities add indoor vaccine mandates to combat omicron spread

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What Are Credit Tradelines?

Credit tradelines are accounts that appear on your credit reports, such as credit cards, auto loans and a mortgage. They typically include details like the date the account was opened, current payment status and whether you’ve paid on time or been delinquent. In addition to making up a large part of your credit reports , those tradelines provide much of the data used to create your credit score . Credit scores are designed to indicate how likely you are to repay loans and pay your

9 tips for flying during the holidays this season

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Different Types of Car Insurance

Shopping for car insurance can be overwhelming, and that’s especially true when you’re not sure how the different types of car insurance work. Some types of coverage are absolutely essential and required by the state that issued your driver’s license. Other types of car insurance are optional, but that doesn’t necessarily mean they’re less important. Before you purchase auto insurance or switch to a new policy from a different carrier, you should take the time to learn about the diffe

5 Best Easy Business Loans for 2022

Some business loans  are simply easier and quicker to apply for than others. The level of accessibility for different funding options definitely depends on what kind of small business loan you’re hoping to secure, and the lender you're planning on going through. Ready to get into the details? Learn everything there is to know about these lenders of easy business loans below. Top easy business loans: Overview Lender Best For Loan Products

JetBlue joins Delta, asks CDC to reduce omicron isolation guidelines

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LawPay Review: Pros, Cons, Alternatives

LawPay is a payment processor for law firms that want to accept credit cards and eChecks in person, online or through email. It costs $20 per month, plus fees per transaction. LawPay is best for firms that want online payments, QR codes and integration with other software. LawPay's Quick Bill feature Monthly fee $20. Free version No. Contract None. Standard cards 1.95% processing plus 20 cents per transaction.

Pilot shortage: United drops service from Washington Dulles to 14 regional markets

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Personal Finance Facts and Statistics

It’s often said that “numbers don’t lie”. If so, what does that reveal about personal finance in the USA? To answer that question, we’ve prepared this analysis of personal finance facts and statistics to help you understand approximately where you are in comparison with other Americans. The information revealed in our analysis isn’t intended to make you feel insecure in any way. Instead, it’s designed to help set parameters that will enable you to see how you are doing and to make

Why You’ll Pay More for High-Risk Life Insurance

It sounds morbid, but when you’re shopping for a life insurance policy, insurers want to know the answer to one question: What’s your life expectancy? That’s because life insurers take on a financial risk by covering you. The higher the chance of an insurer having to pay out your policy, the more you’ll pay — or the harder it will be to get coverage. If you fall into one of these five groups, you may be deemed a high risk to insure. 1. You have a pre-existing health conditio

How to earn more points and maximize elite status benefits by double dipping

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How You’ll Earn United Premier Qualifying Points On Flights

To earn United Premier elite status, you need to know about Premier qualifying points. Starting in 2020, United ditched Premier qualifying miles, Premier qualifying dollars and Premier qualifying segments. Now, the airline has two metrics for earning Premier elite status: Premier qualifying points (what we'll focus on in this article) and Premier qualifying flights. Of these, technically only PQPs are required. Earning PQFs only serves to reduce the necessary number of PQPs y

Why I Gave Up $400,000 of Passive Income

Cake POS Review 2022: Restaurant Features, Pricing, Alternatives

Cake is a cloud-based point-of-sale system for restaurants, bars and cafes, both large and small. For restaurant owners looking for a customizable system, it's a solid choice. The company carries its own splash-resistant terminals and sells software packages that include real-time reports, menu management, floor management and a suite of integrations for restaurant accounting and operations. Guest management and online ordering are considered add-ons. Since a two-year-long contract and

Credit card showdown: Chase Ink Business Preferred vs. Ink Business Premier

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8 Things to Know Before Getting the Capital One Venture Card

The Capital One Venture Rewards Credit Card is a popular travel rewards card due to its affordable $95 annual fee, valuable perks and flexible rewards. If you’re contemplating this travel credit card, you’ll want to ensure that it’s a good fit before you apply. That way, you can choose a card that matches your financial situation and lifestyle. We’ve outlined the most important things to know before getting the Capital One Venture Rewards Credit Card : What to know before

Avelo Airlines customers can now use TSA PreCheck

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Why is my credit score low after getting a credit card?

Ironically, even when a credit card issuer checks your credit history and approves you, your credit score still drops by a few points. This is because they’ve had to run a hard credit check or inquiry so they could see your full credit history. Every hard check results in a small deduction of points from your score. So, after receiving a new credit card, you could go back to check your score and find it’s lower than before. A credit card provider will carry out a hard pull on your credi

Chase Amazon Prime Credit Card Review (2021.12 Update: $150 Offer)

physixfan       2021-11-17     2021-12-01 6 Comments 2021.12 Update: The offer is now $150. 2021.11 Update: The new offer is $200, and this is the best ever offer on this card. Application Link Chase Amazon Prime Benefits $150 offer: earn $150 Amazon gift card after approval, no spending requirement. (Offer is lower for non Prime users). The recent best offer is $200. Earn 5% cashback at Amazon and Whole Foods if you are an Amazon Prime member (3% if no

Flying over the holidays? Here are 12 things you need to know before taking off

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Deal alert: West Coast cities to Hawaii under $250 round-trip

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Everything you want to know about cabins and suites on Royal Caribbean ships

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Winter Storms, COVID: How to Change a Flight Last-Minute

Rerouting, rebooking, diverting, you name it. Making last-minute flight changes can be an enormous stressor amid an already stressful holiday travel season. Hundreds of flights have already been canceled last-minute due to pandemic-related staffing shortages. Perhaps a coronavirus variant surge forces you to cancel your trip. Or what if a winter snowstorm prevents you from taking off? No matter the reason, be prepared for last-minute flight changes or cancellations this year. Finding

Freeway Auto Insurance Review 2022

Freeway Insurance is a national chain that focuses on auto insurance for drivers considered “high risk," such as those with at-fault wrecks, tickets or DUIs on their records. Freeway isn’t an insurance company and doesn’t underwrite its own insurance policies. Instead, Freeway's  insurance brokers check with several insurers to get quotes for you. Having someone shop for insurance on your behalf can be convenient, especially if you’ve had trouble finding an insurer that will ac

Deal alert: Need a last-minute gift? Give the “Gift of Florida”

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Free Community College Is Dead — and Still Possible

Until late October, community college in the U.S. was the closest it's ever been to becoming free for everyone nationwide. A $45.5 billion proposal for two years of free community college, part of the Biden administration's "Build Back Better" agenda, promised students a path to attain a college degree without student loans — a transformative pledge in a country that collectively holds over $1.7 trillion in student loan debt. The proposal would've covered all tuition and fees associ

Hilton’s best-kept secret: A review of the Zemi Beach House, LXR Hotels & Resorts

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Keep an Eye on Debt Using Creative Visual Aids

With an $82,000 pile of debt, buying a house seemed far in the distance for Ehren Sixon and his wife, Florida residents who embarked on a debt-free journey in 2016. They opted for the debt snowball method , a debt payoff strategy that encourages motivation by quickly attacking the smallest balances first. The couple also tracked every milestone along the way with different visual aids as they paid off car loans, student loans and credit card debt . “We wanted to be able to track

Delta reveals Olympics livery as it takes official Team USA sponsorship from United

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Your Holiday Gifts Still Haven’t Arrived. Now What?

You placed an order last week and still haven’t received the shipping confirmation. Or maybe the package is in transit, but its location hasn't been updated in days. The supply chain issues that experts warned us about heading into the holiday shopping season have materialized. There’s a real possibility that your gifts won’t arrive in time for holiday celebrations. So what are your options? If you still want the gift Double-check the order status Retailers and shipping

All you need to know about Sentri, the only trusted traveler program available widely to foreign travelers

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Disney Cruise Line to add second Florida homeport

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What Is Medigap Plan K? What You Need to Know

Medigap Plan K is a Medicare Supplement Insurance plan that covers some out-of-pocket expenses for Medicare Part A and Part B beneficiaries. Plan K differs from most other Medigap plan options because it pays only part of the cost of the services it covers, but that reduced coverage also helps keep premium costs down. How it works Medicare Part A and Part B members can buy a Medigap plan to help pay for costs beyond their Original Medicare coverage, including copays, deductible

Why and How to Book Alaska Airlines’ Milk Run

The Alaska Milk Run, hosted by Alaska Airlines, is a unique AvGeek experience on many aviation enthusiasts' bucket lists. These unique routes between Seattle and Anchorage — with several stops along the way — serve as a critical lifeline for several Alaskan communities. For those not traveling to or from these communities, the Alaska Milk Run flights are a great way to see remote Alaskan wilderness and airports from the comfort of a Boeing 737. Here's what you need to know about t

Southwest adds 3 new routes, cuts 5; another 38 resume in summer schedule extension

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He Sold His Blog For $6 Million – This Is How He’s Investing Now

As a regular reader you know how much I love blogging. My blog is a major factor in achieving financial freedom as early as I did. While the financial rewards have been life changing, the other amazing benefit of starting the blog is the quality of new connections I’ve made over the years. Normal people with a “super hero passion” to help others through their blog, podcast, or YouTube channel never gets old. I can listen to these stories non-stop! One of these amazing success stories i

Chase Announces 5% Bonus Categories for Q1 2022: Grocery Stores, eBay

It’s never too early to get started on your #newyearnewme goals. And ahead of the new year, Chase has unveiled its 5% bonus categories for the first quarter of 2022. From Jan. 1, 2022 to March 31, 2022, holders of the Chase Freedom Flex℠ and the Chase Freedom® can earn 5% back on up to $1,500 in combined quarterly spending in the following categories: eBay. Grocery stores (excluding Target® and Walmart® purchases). You’ll have to activate your bonus categorie

Only 6 of United’s 13,000 pilots were fired for failing to meet the airline’s vaccine mandate

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Score Perks on These 16 Airlines as an AAdvantage Elite Status Holder

If you're an American Airlines AAdvantage elite member, you're hopefully well aware of the elite benefits you get when flying American . But you may not know there are 16 other airlines with which AAdvantage elite status holders get benefits. Over the past few years, American has been aggressive about adding and enhancing partnerships. AAdvantage members can now get first-class upgrades on Alaska, free checked bags on JetBlue and bonus miles when flying intra-Brazil — and those a

Update: American award tickets again bookable on the British Airways website

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Training for the Future: The Most In-Demand Jobs

Whether you’re planning for college or thinking about retraining, consider setting your sights on jobs that will be most in demand in the future. Not the sci-fi “hotel concierge on Mars” future, but the next-decade future. The best jobs for the future are ones that are expected to grow and pay well between now and 2030. The most in-demand jobs on this list come from data by the U.S. Bureau of Labor Statistics’ Occupational Outlook Handbook — a guide that includes information

TPG exclusive: A first look at Chase’s new Ink Business Premier credit card

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What Is a Coverdell Education Savings Account?

What is a Coverdell ESA? A Coverdell education savings account is a tax-advantaged trust or custodial account used to save for educational expenses. Contributions to Coverdell accounts can total up to $2,000 a year and are tax deferred, meaning any growth in the account would not be subject to income or capital gains taxes when the beneficiary pulls money out, provided that it goes toward qualified educational expenses. And while saving for college is why many people use a Coverdell ESA,

8 of the most collectible airline gifts and freebies

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QuickBooks GoPayment Review 2022: How to Use It, Pricing, Alternatives

QuickBooks GoPayment is a mobile point-of-sale app that helps small-business owners process payments on the go. The app uses QuickBooks Payments to process transactions, and clients can pair it with the QuickBooks Card Reader to accept dipped, swiped and digital wallet payments. QuickBooks Payments is only available to businesses that use QuickBooks for accounting. For mobile businesses that already rely on QuickBooks for their accounting needs, the GoPayment app, combined with QuickBo

Do I Need a Down Payment for a Business Loan?

The amount required for a down payment for a business loan will vary depending on the type of loan and how much you need, along with your credit history. It is different for various business loan types and isn't always required for the most popular loan types. Taking out a business loan could be just the opportunity your small business needs to grow, purchase new equipment, invest in real estate, or simply have working capital available on hand to manage the day-to-day costs of doing b

Big Apple deal alert: $100 fares to New York City

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What Is Medigap Plan D? What You Need to Know

Medigap Plan D is one of 10 Medicare Supplement Insurance plans that cover some out-of-pocket expenses for individuals enrolled in Medicare Part A and Part B, also known as Original Medicare . How it works After Medicare pays its approved amount for services, Medigap plans help cover what would otherwise be your out-of-pocket costs: copayments, coinsurance and some deductibles. These plans are available only to individuals enrolled in Medicare Part A and Part B — not to Medi

Does Checking Your Credit Score Lower It?

The answer is yes and no. Lenders and credit card issuers carry out two types of checks on your credit. The first, a soft credit check, doesn’t impact your credit score at all. The second, a hard check, knocks a few points off your score every time. We’re going to walk you through soft and hard credit checks and what they mean for your credit score. Why Your Credit Score Matters When deciding whether to give you a loan or a credit card, lenders and credit card issuers look at your score

The Phone Numbers On The Back Of Your Credit Cards (2021 Update)

physixfan       2021-11-23     2021-11-23 7 Comments 2021 Update: This table has now become a Github open source project . More data are welcomed! When we have a tons of credit cards, we probably won’t carry all of them all the time. However, sometimes we need to call the banks, and it will be a trouble when you can not get access to the phone number. The purpose of this post is for people to look for the phone number, you can come here and search when you need

What are the best travel shoes? TPG staff share their must-haves

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Deal roundup: Island escapes this winter to Hawaii, Puerto Rico, Antigua and more

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St. Kitts and Nevis lift travel restrictions for vaccinated travelers

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SBA Form 413: How to Fill out the Personal Financial Statement

Of the many forms you can expect to complete when applying for an  SBA loan , SBA Form 413—also referred to as the "SBA personal financial statement"—is one of the most essential. This form factors into how the SBA determines your ability to repay an additional debt and, by extension, your eligibility for an SBA loan. Although at first glance, SBA Form 413 may seem intimidating, it becomes much more manageable when you break it up into individual steps. In this guide, we’ll wa

All aboard! The Winter Park Express ski train is back

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Is the Chase Aeroplan Credit Card Worth Its Annual Fee?

Air Canada announced a brand new credit card for U.S. travelers: the Aeroplan® Credit Card . This card launched on Dec. 2, 2021 and offers a wide range of perks for a $95 annual fee. So is the Aeroplan® Credit Card worth it — particularly for U.S.-based travelers? Let's walk through some examples to see if the Aeroplan® Credit Card is right for your situation. The Aeroplan® Credit Card annual fee is worth it if you … ✅ Fly Air Canada If you periodically fly

Holiday Supply Chain Woes? Consider Gifting to 529s Instead

As we continue navigating pandemic life, supply chain issues have caused disruptions and delays, but don’t fret: other gifts besides the hottest new toy or tech gadget can be given. Contributing to 529s , for example, can reduce your holiday shopping stress while making a meaningful impact through the gift of education. What is a 529 and why contribute to it? A 529 plan is a tax-advantaged investment account used to save for qualified educational expenses. For those with disabilit

How a $10 donation could win you 1 million Avios — with double the chances to win

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Does Medicare Cover Prescription Drugs?

The good news is that when you’re eligible to enroll in Medicare, you’ll also be eligible to buy insurance that pays some of the costs of your prescription drugs — in many cases, most of the costs. But there are numerous caveats to Medicare drug coverage and important variations in coverage and costs among plans. Original Medicare (parts A and B) does not cover prescription medication except in specific cases (drugs administered during surgery, for example). Beneficiaries with Ori

Israel to lift ban on tourists on Dec. 22 after temporary closure

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7 Things to Know Before Getting the Chase Aeroplan Credit Card

On Dec. 2, Air Canada launched a brand new credit card for U.S. consumers — and it's clear that the Canadian airline is certainly looking to make a splash. The new Chase-issued  Aeroplan® Credit Card is offering a sign-up bonus:  Earn 2 Welcome Flight Rewards (worth up to 100,000 total points) after you spend $4,000 in the first 3 months from account opening. Plus, as an added perk, new cardholders get Aeroplan elite status for up to two years. The benefits of this card make it qu

Why you should pay attention to your elite status progress — even if you aren’t chasing status

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Best Construction Insurance Companies

Construction professionals face various risks, from on-the-job injuries and equipment theft to timeline delays and customer lawsuits. Business insurance helps shield your company from the financial impact if something goes wrong on the job or at your shop. The best construction insurance companies offer customizable policies so you can get the right coverage based on your trade, job types and company size. They also provide convenience, with the ability to get quotes and file claims qu

Do children need to be vaccinated to cruise? These 8 major lines say yes

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Best Medicare Advantage Plans in Pennsylvania

Nearly 2.8 million people in Pennsylvania are signed up for Medicare, making it the fifth-largest U.S. state for Medicare beneficiaries. Medicare is the government health care program for people ages 65 and older. Medicare Advantage is a bundled alternative to Medicare that offers all the same benefits and usually some extras, such as cost savings on dental and vision coverage. Medicare Advantage plans offer more benefits than Original Medicare, and they can be cheaper than paying

Hilton permanently extends points expiration to 24 months

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Southwest To Roll Out A Fourth Fare Type In 2022

Southwest Airlines is set to offer a fourth fare type in 2022, which could give passengers more options concerning how many points they earn per flight, their cancellation policy and how soon they board. The news was announced during the airline’s investor day presentation held on Wednesday. So far, the airline is light on details about the new fare class, though it did share that it is expected to launch in the second quarter of 2022. Southwest currently offers three fare types for pa

Earn $30 (or 3,000 Amex points) by joining or referring a friend to Rakuten

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Best Cheap Car Insurance in New Hampshire for 2021

If you're in the market for cheap car insurance in New Hampshire, it's smart to shop around. Quotes can vary from one company to another, even for the same coverage options and limits. NerdWallet researched rates from 23 insurers in the state and identified the five most affordable options for several driver types. Cheapest for 20-year-old drivers in New Hampshire Drivers in their 20s may have to get a lot of quotes to find cheap car insurance. Prices can be sky-high for younger 2

Allegiant unveils 9 new routes in time for Spring Break travel

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Life Insurance Policies, Companies and Quotes

Buying a life insurance policy can be quick and easy. Unsure of where to start? We’ll walk you through the whole process, so you can compare life insurance quotes and choose the right coverage for you and your family. What is life insurance? A life insurance policy is a contract between you and an insurance company. In exchange for regular payments, called premiums, the insurer pays out money after you die. This payment goes to the people you choose as beneficiaries — usually child

5 European countries were just added to the US ‘do not travel list’ weeks before the holidays

7 Things to Consider When Picking an Airline Credit Card

If you’re new to the world of airline loyalty programs, travel credit cards, and points and miles, it’s easy to feel swamped with all of the options and information out there. Knowing what to look for in an airline credit card that’s right for you can be overwhelming — but not impossible. Here’s how to determine which card best suits your travel style. Why get a co-branded airline credit card If you’re wondering why you might want to consider getting an airline-specific c

2 new programs at Newark airport make clearing security a breeze

5 Best Moving Companies

One of the biggest decisions in making a move is choosing the right moving company. Since most people move only occasionally, the selection process can be a challenging one. But to help you in that effort, we’re providing this list of the five best moving companies, as well as specific information you need to be an informed consumer in the selection process. The most important factor in choosing the right moving company is to find the one that provides the highest level of service for the bes

How Much Should I Save Each Month?

This article provides information for educational purposes. NerdWallet does not offer advisory or brokerage services, nor does it recommend specific investments, including stocks, securities or cryptocurrencies. The importance of saving money is clear. It can help you cope with life’s unplanned expenses and set you up for a comfortable future. However, figuring out how much to save can be tricky. How much of your paycheck should you save each month? Many experts aim for somewhere be

Travelers beware: Kids must show proof of partial vaccination to eat indoors in NYC starting Dec. 14

Cash Back, Miles or … Wine? Credit Card Rewards Are Evolving

This article provides information for educational purposes. NerdWallet does not offer advisory or brokerage services, nor does it recommend specific investments, including stocks, securities or cryptocurrencies. Rewards credit cards typically come in two basic flavors: cash back and travel — useful if you want to save money without couponing or spend less on that annual visit to the in-laws. But a number of new credit cards are reimagining the role a rewards program could play in yo

What Are Current Mortgage Refinance Rates?

If you’re looking to purchase a new home, or are perhaps thinking about refinancing your current situation, it pays to know what the current mortgage rates are. A number of factors will influence the type of loan you can get from lenders, or what to expect when you attempt to refinance your current mortgage in an attempt to pay a lower rate or use your home’s equity for a loan. Your credit score will be one of the main factors, and you can always take steps to build that up if it’s no

Capital One Venture X Credit Card Review: New Card, 100k Offer

physixfan       2021-11-09     2021-11-09 2 Comments Application Link Capital One Venture X Benefits 100k offer: earn 100,000 Capital One miles after spending $10,000 in first 6 months. Earn unlimited 10x miles on hotels and rental cars booked through Capital One Travel and 5x miles on flights booked through Capital One Travel, plus unlimited 2x miles on all other purchases. Get 10,000 bonus miles every year, starting on your first anniversary. No spending r

12 points and miles tasks to complete by the end of the year

Schedule K-1: What to Know About Investment Partnership Interests

What is Schedule K-1? The U.S. tax code allows for certain businesses and trusts to pass income-tax liability onto the shareholders or partners who have a vested interest in the business. Partnerships, S corporations, trusts or estates that shift income taxes from the entity to its partners, shareholders or beneficiaries are referred to as pass-through entities. Schedule K-1 is the federal tax form prepared by these entities to report annual income, losses, credits, deductions and other

12 points and miles tasks to complete by the end of the year

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Best Medicare Advantage Plans in Iowa

Nearly 645,000 people in Iowa are signed up for Medicare. Medicare is the government health care program for people age 65 and older. Medicare Advantage is a bundled alternative to Medicare that offers all the same benefits and usually some extras, such as cost savings on dental and vision coverage. Medicare Advantage plans offer more benefits than Original Medicare, and they can be cheaper than paying for Medicare and a Medicare Supplement plan . However, they offer less flexi

How American Express helped me when a thief stole 150K Membership Rewards points

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What is Oneworld Connect and How Does It Work?

Smaller airlines may not have the resources or ability to join a major, global airline alliance. This is why some airline groups have created alternative alliances to piggy back off large alliances via partial membership. Oneworld Connect is exactly this: It is a small airline alliance designed so that regional airlines can join an alliance, but without the price tag. How alliances are formed Airlines around the world are only as strong as their network of destinations and the markets

Travelers to the UK must take COVID test before departure in effort to stem omicron

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Medicare’s Telehealth Experiment Could Be Here to Stay

Medicare beneficiaries used 63 times more telehealth services in 2020 than in 2019 after the federal government loosened Medicare’s strict telehealth rules due to the COVID-19 pandemic, according to a report released Friday by the Department of Health and Human Services. The policy changes were intended to be temporary, but data on telehealth use is being analyzed to help policymakers decide the future of those services under Medicare. The HHS report "provides valuable insights int

Do the new COVID-19 testing rules apply to cruisers?

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What Is Square?

Square makes software and hardware that helps small businesses run, including a point-of-sale system and services for payment processing, administering payroll, customer engagement and employee management. Square also offers banking services and small-business loans. Square's product lineup is modular: For the most part, you can choose to use one, a few or all of its products. Square promises increased convenience the more you commit to its ecosystem, but its POS system works well enough a

What Is Personal and Advertising Injury for Businesses?

Damaging someone else’s reputation, hurting their public image or detaining them against their will can have serious repercussions for your business: Your company could be held liable for personal and advertising injury. Personal and advertising injury claims can impact your business, even if your offense is unintentional. Fortunately, general liability insurance coverage can protect your finances in the event of a claim against you. What is personal and advertising injury? Persona

Watch us fly Gulf Air 2 different ways: Business class versus economy

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The Best Toronto Hotels to Book With Points

Toronto is a great city with a gorgeous skyline, delicious restaurants and eateries, impressive sports teams, and notable museums and attractions. If you’re planning to visit Toronto , you may be hoping to use points for your hotel instead of paying by cash. Redeeming points for your hotel stay can help cut down on the total cost of your trip. We’ve outlined the best hotels in Toronto to book with points to help you decide where to stay. Awesome Toronto hotels for award night

22 cruise ship cabin hacks that will transform your voyage

Best Items for Garage Sale Flipping for Fun and Profit

Have you ever watched one of those flipping garage sale items shows like HGTV’s Flea Market Flip and thought, “I think I could do that, but I just don’t think it’s as easy and profitable as they make it look on TV”? As it turns out, TV hype aside, there are thousands of people doing exactly that. They’re buying items other people are trying to get rid of on the cheap and selling them at big profits to someone else who wants those exact items. It is doable, and I know because I’ve

Resources for Reskilling: Worker Retraining Programs

If you want to change your work life, you’ll likely need a new degree or certificate. There are many challenges to getting “reskilled.” These obstacles can be practical — like a lack of time or money — or emotionally rooted, as it’s a daunting prospect for any adult. Whether you want to go back to school or are attending for the first time, knowing where to start is the first step. Here’s a roundup of resources, including worker retraining programs, to help you kickstart th

Target’s big annual gift card sale is this weekend

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How to Maximize Your ‘Health Span’

We’re living longer on average, but the number of years we’re healthy hasn’t kept up. This lagging “health span” translates into more time living with serious illness and disabilities at the end of our lives. This can have significant repercussions for our retirements . Some of us will have our working lives cut short by ill health, reducing how much money we can save for our futures. Others will face big bills for medical and nursing home care. Then there is the emotional tol

Quick Points: Marriott Titanium and Ambassador Elites can claim United status in under five minutes

Insurance for Wineries: What You Need, How to Get It

A winery is often several businesses wrapped into one — a farm, a manufacturing facility, a retail store, a bar and even a restaurant. Specialized insurance for wineries can help protect all aspects of your operation, combining standard business insurance policies like general liability and workers’ compensation with enhancements to cover issues like leakage, contamination and crop damage. Who needs winery insurance? Winery insurance isn’t just for wineries. Vintners, cellar

The one thing that American should fix about long-haul business class

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Best Medicare Advantage Plans in North Carolina

Just over 2 million people in North Carolina are signed up for Medicare, making it the ninth-largest U.S. state for Medicare beneficiaries. Medicare is the government health care program for people age 65 and older. Medicare Advantage is a bundled alternative to Medicare that offers all the same benefits and usually some extras, such as cost savings on dental and vision coverage. Medicare Advantage plans offer more benefits than Original Medicare, and they can be cheaper than payi

Here’s how to use (and track) your December Amex statement credits

Best Medicare Advantage Plans in Georgia

Nearly 1.8 million people in Georgia are signed up for Medicare, making it the 10th largest U.S. state for Medicare beneficiaries. Medicare is the government health care program for people age 65 and older. Medicare Advantage is a bundled alternative to Medicare that offers all the same benefits and usually some extras, such as cost savings on dental and vision coverage. Medicare Advantage plans offer more benefits than Original Medicare, and they can be cheaper than paying for Me

Why I decided to apply for the new Capital One Venture X card

Smart Money Podcast: Travel Tips, and Finding the Right Financial Advisors

This article provides information for educational purposes. NerdWallet does not offer advisory or brokerage services, nor does it recommend specific investments, including stocks, securities or cryptocurrencies. Welcome to NerdWallet’s Smart Money podcast, where we answer your real-world money questions. This week’s episode starts with a discussion about holiday travel. Then we pivot to this week’s money question from Andrea, who has a number of questions about financial

How to survive basic economy on United Airlines

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The Best Credit Cards for Las Vegas

Famous for its excess, Las Vegas is home to just about anything you can imagine. Want waves lapping gently against a white-sand beach? You’ve got it. How about a roller coaster almost a thousand feet off the ground? Check. But perhaps even more memorable than its glitzy temptations are the costs of vacationing in Vegas. There are good ways and bad ways to visit the city — and it all starts with your travel cards. Let’s take a look at some great travel cards for Vegas. Although our

How to upgrade your American Airlines flight using miles

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How to Get a Car Loan

If you’re in the market to buy a vehicle, a car loan is one option for financing your purchase. Here, we’ll cover the steps you need to take for a successful application and what you need to know about your credit score when applying for this loan type. The Basics A car loan is secured against the vehicle you’re hoping to buy. If you don’t make timely and complete repayments, the lender can take back the vehicle. In short, you don’t own the car until the loan term ends and all the

BoA Premium Rewards Elite Credit Card Review (New Card, 50k Offer)

physixfan       2021-11-22     2021-11-22 1 Comment Link is discovered by reddit u/JonLuca. Application Link BoA Premium Rewards Elite Benefits 50k offer: earn 50,000 points after spending $3,000 in first 90 days. The points can be redeemed towards statement credit or deposited into BoA Checking/Savings account at 1:1 ratio. You can also redeem them in BoA travel portal and get a 20% off, so in this way the points could be worth 1.25 cents/point. Therefore

How to earn 500 JetBlue points on your next restaurant meal

Mortgage Outlook: Rates Heading North in Late December

December mortgage rates forecast I expect mortgage rates to rise modestly in December, especially toward the end of the month. As we approach the end of 2021, bond traders will cash out so they can take a few days off without worrying about having to react to abrupt price changes. When the traders sell their mortgage-backed securities just before Christmas, the prices will go down and yields will go up. Mortgage rates will follow yields on that upward trajectory. In short, I think mu

Travel Diaries: How I Paid for a $2,000+ Sports Meet Almost Entirely on Points

Extracurriculars like sports, dance and marching band can be expensive enough given the uniforms, team fees and equipment. Throw in the often-exorbitant cost of traveling to meets and performances, and it’s easy to feel like competing is a massive foul on your bank account. I certainly feel that way. As a competitive athlete in two different barbell sports — weightlifting and powerlifting — I could have easily spent more than $2,100 on a five-day, five-night trip for two to Albuquerq

Breaking: Morocco bans all incoming flights for 2 weeks due to Omicron

Even if you’re not an avgeek, you’ll love holiday shopping at the Alaska Airlines company store

3 Times You Need Money Advice From a Human

You can now manage most aspects of your money without ever consulting another human being. You can budget, borrow, save, invest, buy insurance, prepare your tax return and create a will — among many other tasks — by using apps, websites and software. But technology still has limitations, especially when you’re facing a money situation that’s complex or involves judgment calls. Consider consulting a human expert in the following situations: 1. You’re dropped by your hom

Use Kimpton’s latest surprise password to ‘chill’ at check-in

Authorize.net Gateway Review: Pricing, Features, Alternatives

Authorize.net is a go-to payment gateway provider  that handles more than 1 billion transactions annually, has transparent pricing and offers 24/7 customer support. With Authorize.net, businesses can accept all major credit and debit cards, Apple Pay, PayPal and electronic checks. The gateway supports online payments, as well as in-person payments (through a compatible point-of-sale terminal or mobile card reader). Pros Cons Transparent, flat-rate pr

Breaking: Masks now required outdoors in Paris

It’s OK to Sit Out Black Friday This Year

It’s that time of year when retailers seem to join forces to plant a message in shoppers’ minds: “Buy Stuff on Black Friday, or You Are a Fool.” They transmit this message in loud TV commercials, targeted social media ads and promotional emails you don’t remember subscribing to. But you are no fool. And you — not retailers — get to decide what to buy and when. It’s easy to overspend during the holidays Feeling compelled to spend money right now is normal. Who doesn�

Christmas at Universal Orlando: Shows, spectacles and parties to put on your holiday wish list

The Ultimate Guide for Hilton Honors Members in Las Vegas

Las Vegas is renowned for its glamorous entertainment options and broad swath of high-end accommodations. Hilton loyalists can expect to find more than 30 Hilton properties among the hundreds of hotels in the area, which makes finding somewhere to redeem points a breeze. If you’re hoping to stay with Hilton Honors in Las Vegas, here’s a look at some of the perks you’ll enjoy, as well as some of the best Las Vegas Hilton hotels. Perks of Hilton award stays in Las Vegas There are a

Round 2: Answering more questions about TSA PreCheck, Global Entry and Clear

How to Be a 5-Star Traveler This Holiday Season

If you skipped holiday travel last year (or haven’t traveled at all during the pandemic), your travel skills might be rusty. Plus, some travel etiquette has changed. Recent history indicates that this holiday travel season will be challenging, as evidenced by chaos seen over this year’s holiday and summer weekends. More than 2,800 Spirit Airlines flights were canceled during a busy travel weekend this summer. Over separate October weekends, American Airlines canceled hundreds of flight

Hawaii vs. the Caribbean: Which islands should you visit?

How To Plan Holiday Travel if Your Kids Aren’t Fully Vaxxed

The recent approval of COVID-19 vaccines for children means families had to act fast to get their offspring fully vaccinated before the holidays. According to the Centers for Disease Control and Prevention, recipients are considered fully vaccinated two weeks after their second dose of the Pfizer vaccine — the only vaccine currently available to children under 12 years old. A Kaiser Family Foundation survey conducted in October found that 27% of parents of kids between the ages of 5 and

Deal alert: Make a winter escape to Florida for less than $200 round-trip

Earn 5x Bilt Rewards points on all purchases this Black Friday

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Biden Acts to Ease Gas Prices, But You Can Save Money Now

President Joe Biden is taking steps to wrestle down gas prices, which were nearly 60% higher in October 2021 than they were the same month a year ago. This week, he announced that the Energy Department would release 50 million barrels of oil from the country’s Strategic Petroleum Reserve to increase supply. Last month, the nationwide gas price average hit a seven-year high, according to AAA, and prices this week averaged $1.29 more than they were this time a year ago. “The fact is,

The D.B. Cooper caper: The infamous unsolved hijacking 50 years later

How to Be a Savvy Shopper Amid Cyber Monday Hype

Last Cyber Monday, I rushed to put a very-much-on-sale grill into my virtual shopping cart. I texted my daughter to make sure my son-in-law really wanted it, because this limited-quantity deal would not be returnable. I entered my credit card number as soon as she responded. Moments later, I got an email: “Sorry, sold out.” I had no grill, only someone counting on getting one. I bought the grill, but at more than twice the price of the deal I missed. Welcome to FOMO. Fear of missing

How to Earn American Airlines Miles with Your Savings Account

Earning miles is usually based on spending, whether buying plane tickets or making purchases with an airline credit card . But American Airlines has a few opportunities for you to earn AAdvantage miles while you save money. Two banks allow you to uniquely earn AAdvantage miles — by keeping money in your savings or checking account. So by the time you’ve planned and budgeted for your next trip, you may have not only earned some extra miles for your next award flight but also saved so

How to save on inflight Wi-Fi for your next trip

Air Canada squeaks away with $2 million fine for not refunding passengers

What to Do When Inflation Cuts Into Your Black Friday Deals

If you’ve noticed price hikes at the gas pump, grocery store or clothing retailer lately, you’re not dreaming. Rising prices may complicate your holiday gift-buying , meal-planning and travel. What you’re experiencing is inflation , which simply means that the prices of goods and services are increasing. When prices rise faster than people’s wages, inflation becomes “a tax that’s slowly eroding away the buying power, your budgets and things around you,” says Mark Bergen

TSA passenger screening numbers continue to inch up as holiday travel season begins

U.S. Bank Cash+ Card Now Available Only via U.S. Bank, NerdWallet

And as of Nov. 22, 2021, the only places that the card will be available online are through U.S. Bank’s website and NerdWallet. The ability to choose your own bonus categories based on your spending makes the card a competitive option for rewards maximizers. Other 5% cash-back options typically feature quarterly categories that are chosen by the issuer. But with the U.S. Bank Cash+™ Visa Signature® Card – NerdWallet Exclusive Offer , cardholders can choose two 5% cash-back cate

How to get a VA home loan

The U.S. Department of Veterans Affairs offers what are called VA Loans to people who currently serve or have served in the armed forces, or their surviving spouses. These loans can save them money and make the home-buying process go a little smoother. VA loans can help veterans save money and make the mortgage process a bit more accessible to people who otherwise might have difficulties finding the right deal. But as with any aspect of the home buying process, securing a VA loan has its ow

BoA Unlimited Cash Rewards Business Credit Card Review (2021.10 Update: $500 Offer)

physixfan       2021-10-22     2021-10-22 0 Comments 2021.10 Update: This card was just launched with a $300 offer, and now people managed to obtain a $500 offer link. HT: reader NeverBehave F, B. Application Link BoA Unlimited Cash Rewards Business Benefits $500 offer: earn $500 cashback after spending $5,000 in first 3 months. Earn 1.5% cashback on all purchases. BoA Preferred Rewards program (business version): If you have checking/savings/brokerage

Deal Alert: Business class to Europe from NYC for less than $1,800 round-trip

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When to Refinance Your Mortgage

With mortgage interest rates hovering at record low levels, there’s never been a better time to refinance than right now. There’s also never been more options as to where and when to refinance your mortgage. There are hundreds of mortgage lenders operating nationwide, most providing their services online. The large number of mortgage lenders is a complete win for you as a homeowner. If you want to refinance, you’ll have dozens of lending options to choose from. That will give you an oppo

4 Reasons to Shop Small Business Saturday

When you think about holiday shopping, your mind probably goes to big-box retailers before your neighborhood bookstore or antique shop. But in a time marked by widespread supply chain disruptions and inflation, underdog small businesses deserve our attention. Enter Small Business Saturday. Small Business Saturday is an annual event created by American Express that encourages consumers to shop at small businesses during the busy holiday season. It takes place the Saturday after Thanksgivi

Deal Alert: Fly business class to Istanbul from 67.5k miles round-trip

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5 Hobbies That Make Money and How To Get Started

Money-making hobbies range from walking dogs to blogging to creating and selling homemade goods. Read about these profitable hobbies, as well as what you can expect to make. 1. Driving Enjoy cruising around town? Give others a ride and make money by becoming an Uber or Lyft driver. Uber drivers make an estimated $5 to $20 an hour, and Lyft drivers earn about $5 to $25 an hour, according to SideHusl.com, a review site for money-making platforms. Note that earnings depend in part o

Banksy today, crypto NFTs tomorrow? Austin Bergstrom Int’l Airport’s audacious art program

Advertiser Disclosure Many of the credit card offers that appear on the website are from credit card companies from which ThePointsGuy.com receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). This site does not include all credit card companies or all available credit card offers. Please view our advertising policy page for more information. Editorial Note: Opinions expressed here are

How I Earned $10 Million Online (with ZERO experience)

Do you ever think about where all the biggest “one hit wonders” ended up? I’m talking about the bands that seemingly come out of nowhere with a song you just can’t get out of your head. For me it’s those lyrics of “Ice, Ice baby.  Too cold. Too cold..” or “Don’t tell my heart.  My achy breaky heart..”   So sorry if those songs are now stuck in your head! 😂😂 After a while, one hit wonders always drop from the charts until you just don’t hear them anymore. The bands

One of the most popular points hotels in the Maldives is getting a makeover

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Parts of Europe Return to Lockdown: What Travelers Must Know

If you’re planning to spend the holidays at a German Christmas market or on a beach in Greece, be aware that COVID-19-related safety measures are returning across Europe. This time, they’re largely in the form of restrictions for those who are unvaccinated in response to rising case rates. Some regions of Germany have already imposed local restrictions that prevent unvaccinated adults from some public spaces. Other proposals would allow only people who are vaccinated, have recovered o

Here’s why it might be too late to rent a car for the holidays

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Tow Truck Insurance: What It Is, How to Get It

Operating a tow truck is an inherently risky job, with drivers often operating on busy roads and in inclement weather, hauling vehicles that weigh a ton or more. Given those hazards, having the right tow truck insurance is critical to ensure your business is protected from lawsuits and damage to not only your truck but those you tow or may encounter on the road. What is tow truck insurance? Tow truck insurance typically refers to commercial truck insurance with specialized coverage t

Big bonus, new benefits: Review of the Amex Business Platinum with a 120,000 points

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What Is a Crypto Interest Account?

This article provides information for educational purposes. NerdWallet does not offer advisory or brokerage services, nor does it recommend specific investments, including stocks, securities or cryptocurrencies. Some cryptocurrency platforms, such as BlockFi and Gemini, have begun to offer a way to earn interest on crypto. The process has parallels with traditional savings accounts, and the rates can be eye-popping, with some in the double digits. But like most crypto activities, ther

Best ever bonus: Earn $40 (or 4,000 Amex points) by joining or referring a friend to Rakuten

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No, Amazon Hasn’t Banned Your Visa Card

Corporate goliaths Visa and Amazon are publicly clashing, but U.S shoppers don’t have to worry that their Visa cards will be rejected as they order gifts this holiday season at the mega-retailer. The brouhaha is over fees Amazon pays Visa for processing payment transactions in the United Kingdom. Amazon claims those fees are too high and says it will stop accepting Visa credit cards on Jan. 19, 2022. But Americans just skimming headlines might miss the fact that this issue invo

Accepting Bitcoin at Your Business: Pros, Cons and How to Get Started

The allure of overnight riches can outshine the fact that Bitcoin was first used in an everyday transaction — to buy a pizza. Today, even the tastiest slice won’t come close to the 10,000 Bitcoins that order cost in 2010 — an amount now worth more than half a billion dollars. Accepting cryptocurrency at a business has become easier and more widespread in the decade since. But it’s still more complicated than simply acquiring it as an individual. The checklist to get started include

Tips for seeing the 2021 Macy’s Thanksgiving Day Parade in NYC

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What’s New for Medicare in 2022?

Open enrollment for Medicare goes from Oct. 15 to Dec. 7 each year, when Medicare beneficiaries choose their coverage for the next plan year. As Medicare enrollees contemplate their choices for 2022, here are overall Medicare changes to keep in mind. Original Medicare costs are going up Original Medicare includes Part A and Part B. A separate Medicare drug plan, called Part D, is also available. Here’s how deductibles, premiums and coinsurances are changing in 2022: Medicare Part

Best Auto Refinance Companies 2021

The best auto refinance companies make it easy to save money on your auto loan, and you can even get a lower monthly payment in the process. You’ll need to have a strong history of on-time car payments to qualify, and your new rate will depend on your credit score, your income, and other factors. LendingTree Auto Refinance earned the top spot in our ranking due to their low rates and the fact they make it easy to shop around, but there are other auto refinance companies worth exploring. If yo

Passive Investing: What It Is and How It Works

What is passive investing? To understand passive investing, think of the saying, "slow and steady wins the race." Passive investing is when you buy securities that mirror stock market indexes, then hold them long term. “And the goal of you investing this way is that you basically want to replicate the returns of that particular market index,” says Rianka R. Dorsainvil, a certified financial planner and co-founder and co-CEO of 2050 Wealth Partners, based in Upper Marlboro, Maryl

The Times Square ball drop in New York City is back — but people don’t seem to care

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5 Hostel Safety Tips for Shared Travel Accommodations

Booking a private room in accommodations that include shared community spaces can be a great way not only to save money while traveling, but also meet like-minded travelers. Alternatively, to save even more money, you might consider staying in a hostel dorm, where you share both sleeping space and community space. According to a 2020 survey by Hostelworld, an online travel agency specializing in hostels, 53% of respondents opted for a shared room over a private room. Nearly three-quarters

8 exciting domestic properties you can book through American Express Travel

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Crypto Scams to Watch Out For

If you’re like most people, you’ve had at least one Nigerian prince contact you about a seven-figure inheritance. All you had to do was send them your bank account information, your Social Security number, and a few thousand bucks to claim your prize.  I mean, what could go wrong? Obviously, this type of scam is easy to spot. You don’t know any Nigerian princes, and anyone who wanted to give you millions probably wouldn’t be emailing your old hotmail account. The thing is, fraud like t

Chase Partners With Gopuff to Offer Discounts on Deliveries

Chase and Gopuff are pairing up to offer monthly $10 statement credits toward Gopuff orders of at least $10 through Dec. 31, 2023. Gopuff is a delivery service where you can order food, household essentials, alcoholic beverages and more — basically the kinds of items you might impulse-buy in a grocery store. It's available late into the night and, in many cities, 24 hours a day. You’ll pay a flat $1.95 delivery fee, and an additional $2 fee if your order contains alcohol. Currently

Guide to lounge access with the Amex Platinum and Business Platinum

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The NerdWallet guide to finding the best car insurance rate

Comparison shopping is crucial if you want to save money on car insurance. Here’s why: Insurers look at similar factors, but they have their own “secret sauce” when it comes to setting rates. So two companies can charge wildly different rates for the same driver. Auto insurance prices tend to inch up over time, but they can also go down. By shopping around, you might find that your current insurer offers the cheapest rate for you, or you might find that it’s time to switch. Sev

What Is Commercial Insurance?

Let's try that again!

What Does Pet Insurance Cover?

Pet insurance is one of the fastest-growing types of insurance in America. Both the policy types and the companies that offer them have been expanding in recent years, enabling more pet owners to get comprehensive, cost-effective coverage. Not only does pet insurance help you cover the cost of increasingly expensive medical treatment for your pet, but it can also help you avoid the difficult choice of forgoing life saving treatment for your pet due to high cost. What’s more, flexible policy o

Premium perks without a premium fee: United Explorer Card review

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What to Expect After Paying Off an Installment Loan

Paying off a loan is a major milestone. Whether you’ve finally cleared your student debt, paid off a home improvement loan or own your car outright, making your last loan payment calls for celebration. But before the balance hits zero, there are a few things to know and prepare for, including: Your credit score could change, and you’ll have extra money each month. Here’s what can happen — and what you can do — once you pay off your loan. Your credit score may dip Your cre

FNBO Evergreen Business Credit Card Review (2021.11 Update: $200 Offer)

physixfan       2021-11-05     2021-11-05 0 Comments 2021.11 Update: The new offer is $200. Application Link FNBO Evergreen Business Benefits $200 offer: earn 20,000 Bonus Points (i.e. $200 cash back) when you spend $1,000 within the first 3 billing cycles.  Earn 2% cash back on all eligible purchases. Earn 10,000 Bonus Points (i.e. $100 cash back) every Anniversary with $10,000 annual spend. No annual fee. Disadvantages It has foreign transactio

Maximize your commute: The 6 best credit cards to use

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How Much House Can I Afford?

The cost of real estate has surged dramatically over the last decade, but especially over the last 12 months. In fact, a recent report from the National Association of Realtors showed the median existing-home sales price rose at a year-over-year pace of 17.8% from August 2020 to August 2021. If you’ve been sitting on the sidelines and waiting until you can afford the home you want, rising real estate prices can seem particularly troubling. You might also be rethinking your strategy and goals,

The Best Ways to Buy Disney Tickets

There’s nothing quite like a Disney park. Whether you’re visiting the original Disneyland or have been swept away by the multiple parks at Disney World, these amusement parks set the standard for creativity and immersion. Another way Disney sets the standard? Its pricing. Nowadays, a single-use ticket tops well over a hundred dollars per person — and that’s without any fancy add-ons. Although you won’t ever be able to make a Disney ticket free, you can do better than simply buying

Credit card showdown: Marriott Bonvoy Bold vs. Marriott Bonvoy Boundless

Advertiser Disclosure Many of the credit card offers that appear on the website are from credit card companies from which ThePointsGuy.com receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). This site does not include all credit card companies or all available credit card offers. Please view our advertising policy page for more information. Editorial Note: Opinions expressed here are

Cell Phone Black Friday 2021 Deals: Are They Worth It?

NerdWallet is here to help you win Black Friday , while leaving your budget intact. We spend the time, you save the money. Visit regularly for holiday shopping tips and announcements about your favorite retailers. Black Friday is Nov. 26. Black Friday deals are calling. Should you answer? With a semiconductor chip shortage impacting smartphone prices and inventory, the hunt for bargains will likely be tougher than in recent years. But we’ve still found notable sales on popular App

Best credit cards that offer trip delay reimbursement

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5 Steps to Weed Out Instagram Ad Scams

Holiday shoppers, prepare to be bombarded with social media ads — and scams. Highly targeted advertising on social media sites like Instagram and Facebook makes it easier than ever for brands to get in front of their target market. But these ads also make it easier for shady brands to dupe eager scrollers and shoppers with glossy images, only to deliver low-quality goods or nothing at all. Scams originating on social media have skyrocketed in recent years. According to data from the Fe

What Is Shop Pay and How to Use It

Shop Pay is a payment service provider that lets customers save their email address, credit card and shipping and billing information so that checkout on a business’s website is faster. What is Shop Pay? Owned by Shopify, Shop Pay is an online checkout system that small businesses can use to help customers pay faster by automatically remembering and applying their contact and payment information. When customers pay your business online for products or services, they typically have

How PHX Airport managed to move and save a historic mural

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The Secret to Booking 5,000-Point Hotels in Major Cities

Paying cash for hotels can get expensive quickly, especially when you’re staying multiple nights. Fortunately, for World of Hyatt members , you can redeem rewards for as little as 5,000 points per night — even in major cities. Let’s take a look at how you can find some 5,000-point hotels to help make your next trip more affordable. Take advantage of World of Hyatt's low-tier award category Like other hotel chains, Hyatt operates on a fixed award chart for reward redempti

Recapping the winners and everything else from Travel Week at the 2021 TPG Awards

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What Is Medigap Plan C? What You Need to Know

Medigap Plan C is one of 10  Medicare Supplement Insurance  plans that assist with some out-of-pocket expenses not met by Original Medicare. However, Plan C is no longer available to most new enrollees. If you are new to Medicare and aren’t eligible for Plan C, there are other Medigap alternatives for you. Here’s how Medigap plans work: After Medicare pays its approved amount, your Medigap coverage takes effect. These plans typically assist with copayments, coinsurance and som

United just revealed the reopening timeline for its Polaris Lounges

5 Things to Know About the Air France-KLM Credit Card

Flying Blue — the collective loyalty rewards program for Air France and KLM Royal Dutch Airlines, among other smaller airlines — offers a co-branded credit card in the U.S. Issued by Bank of America®, the card earns miles that can be used for flights not only on these airlines but for any travel in the larger SkyTeam Alliance network they are part of, including Delta Air Lines. Monthly promo awards offered by Flying Blue can save you up to 50% off the cost of miles on select r

The top 7 new tourist attractions around the world

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Greenlight Debit Card Review | Good Financial Cents

Key Takeaways:  The Greenlight debit card is marketed to families with kids — as in, families just like mine! I am currently using the Greenlight product with my two older boys, and the contents of this review reflects my experience. Families who choose the Greenlight debit card are getting more than just a debit card for their kids. This debit card comes with a mobile app for parents, as well as an array of tools that help plan spending, saving, chores and more. The Greenlight debit card

What is the SENTRI Pass and How Does it Work?

Now that the restrictions on nonessential travel have ended for vaccinated tourists on the U.S. land borders with Canada and Mexico, travelers anticipate massive queues to cross the borders. Travelers who are on a tight schedule may wonder: Are there faster ways to reenter the U.S. by land from our North American neighbors? The short answer is yes — NEXUS for travel in and out of Canada and SENTRI for travel back into the U.S. from Canada or Mexico. Here, we take a look at the SENTRI pa

Last chance to transfer your Citi ThankYou points to American Airlines

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Symetra Life Insurance Review 2021

Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. SYMETRA LIFE INSURANCE Rated 3.5 out of 5 stars for overall performance in NerdWallet’s analysis. Offers term and permanent life insurance, including a no medical exam policy. Fewer than the expected number of complaints to state

Fly round trip from nearly 70 cities to the Florida Panhandle for under $200

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5 Things to Know About the GameStop Credit Card

The GameStop PowerUp Rewards credit card, issued by Comenity Bank, might sound appealing to gamers looking for a way to power-up their savings. But unfortunately, in gaming parlance, this card is pretty well nerfed. It can be used only at bricks-and-mortar GameStop stores or on the retailer’s website, and even the most loyal GameStop shoppers won’t be able to rake in valuable benefits by using it. Any other number of credit cards targeted to gamers would be a better choice. Here

The Amex Platinum’s new hotel credit makes the card a better deal than it’s been in 4 years

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17 promotions that will make your next hotel stay more rewarding

Advertiser Disclosure Many of the credit card offers that appear on the website are from credit card companies from which ThePointsGuy.com receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). This site does not include all credit card companies or all available credit card offers. Please view our advertising policy page for more information. Editorial Note: Opinions expressed here are

What to Know About Bitcoin as It Approaches $70,000

Bitcoin is trading near all-time highs: The cryptocurrency crossed a record $68,000 this week before dropping slightly lower. It was the latest record high in what can now be considered a tear — the currency also crossed the $60,000 threshold in October, a figure it also hit in spring 2021. Money is pouring into bitcoin as of late, according to data released Monday by digital asset manager CoinShares. Inflows into bitcoin hit a record $6.4 billion so far for 2021, CoinShares data sho

Alaska and American improve reciprocal elite upgrade perks

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What Is the NEXUS Card and Why Is It Worth It?

Did you know that Canada and the United States share the longest international border in the world? The two have 5,525 miles of shared border, plus over 100 land border crossings between them. However, traveling from one country to the other requires proof of citizenship and residency. This proof can be a passport, residency card or NEXUS card. What is the NEXUS card? Here’s what you need to know. About the NEXUS card The NEXUS card was created for low-risk, preapproved travelers t

You can earn and redeem Marriott points on Ritz-Carlton Yacht Collection cruises

AirPods Black Friday 2021 Deals: Are They Worth It?

NerdWallet is here to help you win Black Friday , while leaving your budget intact. We spend the time, you save the money. Visit regularly for holiday shopping tips and announcements about your favorite retailers. Black Friday is Nov. 26. Apple’s AirPods have ranked among the hottest holiday gifts the past couple of years, and their popularity continues to soar. The company introduced its third-generation wireless earbuds with design updates and longer-lasting battery in October.

Exchange Funds: One Way to Reduce Concentrated Stock Risk

When diversifying your investment portfolio, the baseball strategy of swinging for singles and doubles instead of home runs comes to mind. Having too much exposure by way of a concentrated position — the equivalent of banking on home runs to win — can increase the risk of your overall portfolio. A concentrated position refers to having a significant portion of your overall portfolio allocated to one single investment, typically a particular stock. Usually, once a single stock position

Dramatic changes for international travel begin today: 11 things you need to know

How To Get Preapproved For A Home Loan

Preapproval is usually the first step in getting a home loan or mortgage. You don’t have to go through this process, but it’s often a good idea. That’s because preapprovals involve only soft credit checks and can help you avoid hard inquiries that do negatively impact your credit. So if you’ve been thinking, “Does getting preapproved hurt your credit?” Happily, the answer is no. Preapproval doesn’t take points off your credit score. Let’s look at the advantages of home loan

Southwest Rapid Rewards® Premier Credit Card Review (2021.10 Update: 50k+50k Offer)

physixfan       2021-10-19     2021-10-19 6 Comments Advertiser Disclosure: This site is part of affiliate sales networks and receives compensation for sending traffic to partner sites. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. 2021.10 Update: The new offer is 50k+50k. The latter 50k has a high spending requirement, but if you can finish the spending

4 reasons to upgrade from the Delta SkyMiles Platinum to the Delta SkyMiles Reserve Amex

How Much House Can I Afford? | Good Financial Cents

The cost of real estate has surged dramatically over the last decade, but especially over the last 12 months. In fact, a recent report from the National Association of Realtors showed the median existing-home sales price rose at a year-over-year pace of 17.8% from August 2020 to August 2021. If you’ve been sitting on the sidelines and waiting until you can afford the home you want, rising real estate prices can seem particularly troubling. You might also be rethinking your strategy and goals,

Deal Alert: Round-trip to Charleston, S.C. starting at $128

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There’s a new Spirit Airlines credit card – and it’s invite-only

Advertiser Disclosure Many of the credit card offers that appear on the website are from credit card companies from which ThePointsGuy.com receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). This site does not include all credit card companies or all available credit card offers. Please view our advertising policy page for more information. Editorial Note: Opinions expressed here are

Bermuda reopened to international travelers

Advertiser Disclosure Many of the credit card offers that appear on the website are from credit card companies from which ThePointsGuy.com receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). This site does not include all credit card companies or all available credit card offers. Please view our advertising policy page for more information. Editorial Note: Opinions expressed here are