BoA Alaska Credit Card Review (2022.11 Update: 62k Offer)

by Rich

physixfan       2022-11-08     2022-11-19 2022.11 Update: The 70k+$100 offer is now expired. The current offer is 62k. 2022.11 Update: There is a 70k+$100 offer now! This is the best ever offer on this card. HT: Reddit JonLuca. At the same time, the benefits are slightly revamped: Annual fee has been increased from $75 to $95. Anniversary Alaska companion fare used to be given every year as long as you pay the annual fee, now it requires $6,000 spending. New benefit: E

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The Heaviest Credit Cards List (2022.11 Update: US Bank Shopper: 14g)

by Ann deBruyn

physixfan       2022-11-02     2022-11-02 2022.11 Update: The new card US Bank Shopper is 14g in weight. 2022.7 Update: The new card Wells Fargo Autograph is 11g in weight. 2022.4 Update: The new card Bilt Mastercard (0 annual fee) is also a metal card! Its weight is 16g. Most credit cards are made of plastic of approximately 5 grams (g) of plastic, but some are made of metal. Not all metal cards have the same weight, which begs the question… which card is heaviest?

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Barclays AAdvantage Aviator Business Credit Card Review (2022.10 Update: 80k+$95 Offer)

by Ann deBruyn

physixfan       2022-10-05     2022-10-05 2022.10 Update: The 80k+$95 offer is back. 2022.8 Update: The offer is 70k now. 2022.5 Update: The new offer is 80k+$95! This is the best ever offer on this card. Application Link Barclays AAdvantage Aviator Business Benefits 80k+$95 offer: earn 80,000 AAdvantage Miles and $95 statement credit after spending $2,000 within the first 90 days. This is the best ever offer on this card. 5% AAdvantage mileage bonus earned

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All the Types of Student Loans

by John Stapel

So you or someone you love has been accepted to college. Congratulations! Now it's time to decide how to pay for it. Higher education is valuable but pricey — for students attending public, four-year colleges in their state, the average tuition and fees costs $10,560, according to the College Board. That total grows when you add in room, board and textbooks. It's even higher for out-of-state or private schools. The first step in figuring out how to pay for college is to explore all the poten

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PSA: Activate Your 5% Bonus Categories for 2022 Q4 Now!

by Ann deBruyn

Geo       2022-09-15     2022-09-16 2022.9 Update: 2022 Q4 (Oct., Nov., Dec.) 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. Chase Freedom Fl

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Personal Loans for Bad Credit

by John Stapel

Getting a loan can be difficult if you have less-than-stellar credit. Most banks and credit unions may reject your application, limiting your options to expensive loan offers. However, some online lenders offer favorable terms to those who don't qualify for most personal loans. Here are our picks for the best bad credit loan companies, which can offer better approval odds and reasonable terms. Money’s Top Picks of the Best Loans for Bad Credit of 2022 OneMain Financial - Best for secured l

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The Best Student Loan Companies

by John Stapel

There are two main types of student loans: federal student loans — issued by the U.S. Department of Education — and private student loans. Both differ in interest rates, eligibility requirements, loan modification options and forgiveness programs. Although federal loans offer more flexible repayment terms, a private student loan can help cover your school’s total cost of attendance if you’ve exhausted all other options. Take advantage of our best student loan guide and find the best le

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AmEx Hilton Credit Card Review (2022.8 Update: 100k+$100 Offer)

by Ann deBruyn

physixfan       2022-08-30     2022-08-30 Non-affiliate disclosure: all information about the this card have been collected independently by US Credit Card Guide and has not been reviewed by the issuer. 2022.8 Update: The 100k+$100 offer is back. This offer ends on 10/26. 2022.7 Update: The higher offer is expired. Currently there’s only 80k offer. It’s better to wait for the bigger offer to appear again. 2022.5 Update: The new offer is 100k+$100. Applicatio

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United℠ Business Card Review (2022.8 Update: 150k Offer!)

by Ann deBruyn

physixfan       2022-08-12     2022-08-12 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. 2022.8 Update: The 150k offer (first year annual fee NOT waived) is back. The spending requirement is huge. 2022.3 Update: The offer no

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Best Credit Card Signup Bonus Offers in Aug 2022

by Ann deBruyn

physixfan       2022-07-17     2022-08-01 Earning credit card signup bonuses is one of the best ways to acquire a large amount of miles/points in a short period of time and can lead to a 20% or more return on your spending. By combining great signup bonuses with rewards credit cards that provide the best return on everyday purchases, you will be amazed at how many free flights or hotel stays you can earn. Keep in mind that most credit cards that come with lucrative sign-

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The Best Student Loan Companies

by John Stapel

When your scholarships, grants, and federal student loans aren’t enough to cover the cost of college, it may be time to turn to a private lender. Private student loans can help you bear the weight of tuition. While private loans tend to be more expensive and less flexible than federal loans, they can be incredibly beneficial when you need more than your federal aid has to offer. The key to finding the right student loan with the lowest rates and best terms is to shop around. We’ve compiled

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The Heaviest Credit Cards List (2022.7 Update: Wells Fargo Autograph: 11g)

by Ann deBruyn

physixfan       2022-07-22     2022-07-22 2022.7 Update: The new card Wells Fargo Autograph is 11g in weight. 2022.6 Update: The AmEx Delta Reserve Boeing 747 Special Edition is 12g in weight. To be honest, it is a bit lighter than I expected. 2022.4 Update: The new card Bilt Mastercard (0 annual fee) is also a metal card! Its weight is 16g. Most credit cards are made of plastic of approximately 5 grams (g) of plastic, but some are made of metal. Not all metal cards have

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Best Credit Card Signup Bonus Offers in Jul 2022

by Ann deBruyn

physixfan       2022-07-17     2022-07-17 Earning credit card signup bonuses is one of the best ways to acquire a large amount of miles/points in a short period of time and can lead to a 20% or more return on your spending. By combining great signup bonuses with rewards credit cards that provide the best return on everyday purchases, you will be amazed at how many free flights or hotel stays you can earn. Keep in mind that most credit cards that come with lucrative sign-

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Chase Amazon Prime Credit Card Review (2022.7 Update: $200 Offer)

by Ann deBruyn

physixfan       2022-07-01     2022-07-01 2022.7 Update: The new offer is $200. Offer ends on 2022.7.29. 2021.12 Update: The offer is now $150. Application Link Chase Amazon Prime Benefits $200 offer: earn $200 Amazon gift card after approval, no spending requirement. (Offer is lower for non Prime users). This is the best ever offer on this card. Earn 5% cashback at Amazon and Whole Foods if you are an Amazon Prime member (3% if not),  2% cashback at rest

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Bad Credit Scores And How To Fix ‘Em

by John Stapel

Your credit score is a trustworthiness rating, based on your credit report. It falls somewhere between 300 and 850 and is calculated by a credit scoring model (FICO and VantageScore are the most well-known). Equifax—one of the three major credit-reporting agencies—explains:  “Lenders, creditors, and others often use credit scores to help them determine the likelihood that someone will pay back what they owe on transactions, such as  loans , credit cards, mortgages, utilities, and eve

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Citi Rewards+® Card Review (2022.7 Update: 20k+5x Offer)

by Ann deBruyn

physixfan       2022-07-07     2022-07-07 2022.7 Update: The new offer is 20k+5x on restaurants. 2021.8 Update: The offer is now 20k. Application Link Citi Rewards+® Card Benefits 20k+5x offer: earn 20,000 ThankYou Points after spending $1,500 in first 3 months. Plus, earn 5x TYP at restaurants up to $6000 for the first 12 month. We estimate that ThankYou Points (TYP) are worth about 1.6 cents/point, see below for a brief introduction. So the 20k sign-up b

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Delta SkyMiles® Reserve Card from American Express Review (2022.6 Update: 100k Offer; Limited Edition Card Art Made From Boeing 747 Materials)

by Ann deBruyn

colin1898       2022-06-16     2022-06-16 Non-affiliate disclosure: all information about the this card have been collected independently by US Credit Card Guide and has not been reviewed by the issuer. 2022.6 Update: The new offer is 100k, not as good as the usual 125k offer via incognito mode. However, you can choose a limited time edition card art made from Boeing 747 materials. Offer ends on 2022.8.3. 2022.6 Update: 125k offer in incognito mode is back. Sc

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How Paying Rent With Bilt Can Net You a Free Disney Trip

by Ann deBruyn

Bilt Rewards, a loyalty program that allows you to earn rewards on rent (a common expense that typically doesn’t earn most people rewards), just launched a new way to redeem the rewards you’ve racked up. On Thursday, June 30, Bilt launched a travel portal that lets you redeem your points at a value of 1.25 cents each for bookings made through the portal. The portal is powered by Expedia so, by and large, any booking available on Expedia is also available for redemption with your Bilt

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Revealed: The 3 most reliable airlines flying from the UK right now

by Ann deBruyn

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

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How Turkish Airlines is growing outside of Istanbul

by Ann deBruyn

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

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Best Medicare Part D Prescription Drug Plans in 2022

by Ann deBruyn

Medicare Part D plans cover prescription drugs. Medicare beneficiaries with Medicare Part A and/or Part B are eligible to buy a Part D plan to add prescription drug coverage to Original Medicare. It’s best to sign up for Medicare prescription drug coverage as soon as you’re eligible, even though Part D is technically optional. If you don’t buy a Medicare Part D plan or a Medicare Advantage plan with prescription drug coverage, you’re responsible for the full cost of your medica

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Delta Comfort Plus vs. Main Cabin

by Ann deBruyn

Whatever happened to the old days when aircraft cabins were simply divided into first class and economy? Now, we often find first class, business class, premium economy and basic economy. It can be difficult to decide where to sit on a plane when it’s divided into multiple classes of service and called a different name on every airline. If you’re booking your next flight on Delta Air Lines, don’t be intimidated by the industry jargon. We took a look at Delta Comfort Plus versus

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European hotels the likely winner after US dropped its COVID-19 testing requirements

by Ann deBruyn

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

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Cash Flow: Definition, Uses and How to Calculate

by Ann deBruyn

Cash flow is a measure of the money moving in and out of a business. Cash flow represents revenue received — or inflows — and expenses spent, or outflows. The total net balance over a specific period is reported on a cash flow statement, which shows the sources and uses of cash. Cash flow can help indicate the health of a business: Positive flow (more money moving in than out) can indicate solvency, while a negative value (more money moving out than in) can show that business expenses

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What Is a 10-Year Adjustable-Rate Mortgage?

by Ann deBruyn

A 10-year adjustable-rate mortgage offers a fixed rate for the first 10 years of the loan. After that, the interest rate resets every six months. Many homeowners opt to refinance or sell their property before the rate starts to change. So why bother with an adjustable-rate mortgage at all? Well, because during that initial fixed-rate period, ARMs often offer significantly lower interest rates than fixed-rate mortgages. With a 10-year ARM, that's a decade's worth of a teaser rate. Here'

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Spirit delays vote on Frontier merger — again

by Ann deBruyn

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

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Bivvy Pet Insurance Review 2022

by Ann deBruyn

Plans offered:  Accident and illness, wellness. Breadth of coverage: Good. Range of plan options: Poor. Can pay your vet directly: No. The bottom line: Offers lower rates and less coverage than most other pet insurers. How we review pet insurance Our writers and editors follow strict editorial guidelines that ensure fairness and accuracy in order to help you choose the financial products that work bes

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Deal alert: Save up to 25% on summer hotel stays at Disneyland Resort

by Ann deBruyn

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

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Learn How to Negotiate With Debt Collectors—and Win

by John Stapel

Your credit score is a number between 300 and 850 that credit bureaus assign to you to indicate your creditworthiness. Not paying back what you owe damages your credit score and could eventually lead to debt collectors chasing you for money, making your life very stressful. It also makes it much more difficult and expensive to get credit or a loan in the future. It’s not always possible to avoid debt collectors. If you have multiple credit cards and loans, you might forget to make a paymen

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Amex Business Gold Card Review (2022.6 Update: 180k+10k Offer via Phone Call!)

by Ann deBruyn

Geo       2022-06-17     2022-06-21 Non-affiliate disclosure: all information about the this card have been collected independently by US Credit Card Guide and has not been reviewed by the issuer. 2022.6 Update2: There’s a 180k+10k offer (spending requirement $20k in 6 months, the latter 10k requires adding an authorized user) via phone call, 855-531-3491. Please verify the welcome offer is 180k+10k, not some low ball offer. HT: DoC. 2022.6 Update: There’s a 1

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Chase extends Pay Yourself Back categories for Airbnb, dining and telecom purchases

by Ann deBruyn

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

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Best Credit Cards to Use at Amazon

by Ann deBruyn

If you regularly give part of your paycheck to Amazon, you can get some of that money back by paying with the right credit card. Naturally, the co-branded Amazon credit cards give shoppers the most consistently high cash-back rates on Amazon purchases. But other cards can offer more flexibility in terms of when and where you can earn cash back. With some strategizing, even infrequent Amazon shoppers can still get a high rate of 5% back on Amazon. Here are six of the best credit cards to us

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Why a password manager is a critical part of my points and miles strategy

by Ann deBruyn

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

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Wells Fargo to Launch New ‘Autograph’ Rewards Card With No Annual Fee

by Ann deBruyn

              Image courtesy of Wells Fargo Wells Fargo has introduced a new travel credit card, the Wells Fargo Autograph℠ Card. It offers useful reward categories like gas stations and restaurants, along with a sign-up bonus that’s large for a card with an annual fee of $0. As travel picks up again after the COVID-19 pandemic, the Visa card could be a hit with consumers dissuaded by other high-priced travel credit cards with complicated rewards systems. A

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Have a birthday soon? Check your email, Delta SkyMiles members

by Ann deBruyn

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

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How to Find Hotels with EV Charging Stations

by Ann deBruyn

As gas prices continue to climb and climate change worries grow, more drivers are turning to electric vehicles, or EVs. Battery-powered cars can be a solution for road trippers who want to reduce their carbon footprint and save money on fuel. But is it possible to tour the country by EV and not run out of juice before reaching your destination? Charging stations aren’t as plentiful as gas stations, and finding one can be a challenge. A simple solution is to look for hotels with EV chargi

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What is Solana (SOL) Cryptocurrency? Current Price, Definition and How it Works

by Ann deBruyn

Solana, a blockchain network that launched in 2020, has seen a rapid increase in interest from both cryptocurrency enthusiasts and developers who are using it to build decentralized applications for industries such as finance, computer science and even art. Supporters describe Solana as a faster and more efficient competitor to crypto powerhouse Ethereum . The price of Solana’s native cryptocurrency, known as SOL, now ranks within the top 10 most valuable cryptocurrencies by market ca

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Sweet Spot Sunday: How to fly round-trip to Europe in business class for 88,000 miles

by Ann deBruyn

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

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6 Overlooked Cheap Flights to Europe Using Points and Miles

by Ann deBruyn

Several loyalty programs from international airlines offer much better award pricing than their U.S. partners. And you might already have access to book these awards by utilizing the transfer partnerships these airlines have with AmEx, Chase, Citi and Capital One. Let's look at six of these overlooked cheap flights to Europe that you can book using points and miles. 1. Virgin Atlantic award flights to the U.K. from 10,000 points If you're looking for the absolute cheapest mileage cos

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7 ways Delta One business class on the ‘new’ A350 surprised me — and 2 ways it didn’t

by Ann deBruyn

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

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Can You Get a Startup Loan With an EIN Only?

by Ann deBruyn

Compared with well-established businesses, startup businesses often have a difficult time securing loans. A poor personal credit score on top of that can hurt a startup owner's chances of being approved for funding. But startups with good or excellent business credit may be able to apply for loans using the business credit score attached to their employer identification number, or EIN, a business tax ID number issued by the government. They may also look for alternative lending options tha

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The Guide to AmEx Platinum Rental Car Benefits

by Ann deBruyn

The Platinum Card® from American Express provides a slew of travel benefits — including access to over 1,400 airport lounges and up to $200 in Uber cash each year. Among these marquee benefits, the less-glamorous ones can often get overlooked. However, these other travel perks and protections can really make a difference to your travels. One great example of this is the rental car benefits that come with The Platinum Card® from American Express . Terms apply. Let's take a look at s

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Pumpkin Pet Insurance Review 2022

by Ann deBruyn

Plans offered: Accident and illness, wellness. Breadth of coverage: Excellent. Range of plan options: Average. Can pay your vet directly: Yes. The bottom line: Offers one comprehensive accident and illness plan that includes coverage for dental treatments and most cured pre-existing conditions. How we review pet insurance Our writers and editors follow strict editorial guidelines that ensure fairness

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JetBlue will provide free Blade helicopter transfers for some of its most-elite flyers

by Ann deBruyn

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

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Advanced Micro Devices Stock: AMD Price, Quote and Performance

by Ann deBruyn

Disclaimer: NerdWallet strives to keep its information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. All financial products, shopping products and services are presented without warranty. When evaluating offers, please review the financial institution’s Terms and Conditions. Pre-qualified offers are not binding. If you find discrepancies with your credit score or information

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Carnival Cruise Line to launch new ‘Costa by Carnival’ sailings using sister brand’s ships

by Ann deBruyn

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

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ASPCA Pet Insurance Review 2022

by Ann deBruyn

Plans offered: Accident and illness, accident-only, wellness. Breadth of coverage: Excellent. Range of plan options: Good. Can pay your vet directly: No. The bottom line: Generous coverage and multiple plan options, including an accident-only policy. How we review pet insurance Our writers and editors follow strict editorial guidelines that ensure fairness and accuracy in order to help you choose the

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AvGeek dream come true? What it’s like sleeping in the cockpit of a Boeing 747 jumbo jet hotel

by Ann deBruyn

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

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The Best Auto Loan Companies of 2022 – Updated for June

by John Stapel

An auto loan allows you to borrow money to pay for a new or used car and repay it in monthly installments, which are usually spread out over several years. Shopping around for the best car refinance companies can save you a considerable sum of money over the course of your loan repayment. Our Picks for Best Auto Loans No collateral required Available in all US states No fees Higher APR than others High minimum credit score required High minimum loan amount APR: 3.49–19

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Delta SkyMiles® Reserve Business American Express Card Review (2022.6 Update: 110k Offer; Limited Edition Card Art Made From Boeing 747 Materials)

by Ann deBruyn

physixfan       2022-06-16     2022-06-16 Non-affiliate disclosure: all information about the this card have been collected independently by US Credit Card Guide and has not been reviewed by the issuer. 2022.6 Update: The new offer is 110k. Offer ends on 2022.8.3. You can choose a limited time edition card art made from Boeing 747 materials. 2022.4 Update: The higher offer is expired. There’s only low ball offer now. 2022.3 Update: The new offer is 110k. This i

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The Guide to Capital One Transfer Partners

by Ann deBruyn

Unlike co-branded credit cards, transferable point currencies give cardholders the ability to convert their points to a number of different travel partners. Among the available options, Capital One has been doing its best to become competitive with other transferable point currencies by beefing up its partnerships. This shows, with more favorable transfer ratios and a widening variety of hotel and airline partners from which to choose. Let’s take a look at Capital One transfer partners,

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Delta drops 4 domestic routes, including not-yet-launched service from Boston

by Ann deBruyn

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

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How to Buy Microsoft (MSFT)

by Ann deBruyn

As one of the largest software companies in the world, Microsoft can feel ubiquitous. And even though Microsoft is already a global company, it's still able to post strong growth in personal computers, electronics, software and cloud services. Here’s what to consider about the merits, risks and rewards of buying Microsoft stock. 1. Learn about the fundamentals of Microsoft stock You may be familiar with Microsoft as a customer. Even so, revisiting a company with fresh eyes as a poten

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Delta SkyMiles Platinum Amex review: Fast-track toward Medallion status and 90,000 bonus miles

by Ann deBruyn

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

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How Old Do You Have to Be to Buy a Car?

by Ann deBruyn

Most states have no age requirement for buying a vehicle, but you will need to be at least 18 to register, title and insure it in most states. Also, you cannot get an auto loan if you are under 18. If you aren’t 18 yet, you will most likely need the help of an adult to buy and insure a car. That’s because many transactions related to buying and driving a car require signing a contract. Businesses — such as car dealers, banks and insurance companies — are reluctant to enter into a c

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How to use the Chase Sapphire Reserve $300 annual travel credit to save on your summer trip

by Ann deBruyn

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

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What Is MLS in Real Estate?

by Ann deBruyn

MLS in real estate stands for multiple listing service, the platform that real estate agents use to list properties for sale and find homes for buyers. The listing and buyer's agents participating in the MLS agree to share commission when properties are sold. Although people often refer to the MLS as a single entity, there are actually hundreds of multiple listing services across the country. The MLS concept has been around since the late 1800s when brokers met at their local association

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Delta SkyMiles Reserve Amex card review: 100,000 miles, loads of perks and a card made (in part) from a 747

by Ann deBruyn

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

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7 Things Medicare Doesn’t Cover

by Ann deBruyn

By the time you turn 65, you probably have a good feel for what health insurance does and doesn’t cover. But Medicare is a different beast — and there are some surprising things that don’t fall under Medicare’s umbrella. Medicare is the federal government’s health insurance coverage for people age 65 and older, and other people living with disabilities and certain chronic conditions. Here are seven things Medicare doesn’t cover: 1. Deductibles and coinsurance If you op

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Royal Caribbean cruise ship cabin and suite guide: Everything you want to know

by Ann deBruyn

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

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How a Business Can Move Toward Pay Equity

by Ann deBruyn

Pay equity is a legal obligation for businesses of all sizes. However, it can also be viewed as an opportunity to advance your brand, build your client base, and recruit and keep capable employees. No matter where you are in your business life cycle, pay equity can be embedded in the structure of your organization. For example, startup businesses can include fair pay policies in their business plans , while existing businesses can identify and correct existing pay disparities within th

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5 free nights 12 ways: TPG staffers share how they would use Marriott Boundless’ welcome offer

by Ann deBruyn

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

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Personal Guarantees for Business Loans: What to Know Before Signing

by Ann deBruyn

Personal guarantees on business loans are common. But before you sign one, make sure you know what it can mean for your business and your personal finances. What is a personal guarantee on a business loan? A personal guarantee is a borrower’s promise to repay a business loan from their personal assets if the business defaults. A personal guarantee is similar to business collateral in that it provides lenders assurance and helps some businesses get credit they may not qualify fo

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Full 5G C-band implementation delayed a year, but airlines will need to upgrade equipment

by Ann deBruyn

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

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How to Buy AMD Stock

by Ann deBruyn

You don't have to be a nerd to want to get your hands on some tech stock — information technology drives a significant part of the U.S. economy, after all. One such technology company, Advanced Micro Devices Inc., or AMD, produces semiconductors used in computers and competes with such companies as Intel and Samsung. Here's what to consider before you invest and how to buy AMD stock. 1. Look at the fundamentals of AMD stock Before investing in any individual stock, it's a good idea

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Save with low-cost airline Avelo, with fares starting at $36 to popular cities like Savannah and Orlando

by Ann deBruyn

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

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Carfax App Review: Find a Car

by Ann deBruyn

Carfax’s mobile car-buying app has a somewhat narrow focus, as it shows only used cars being sold at dealerships that provide free Carfax vehicle history reports. However, the app offers valuable tools and insights, like a widget that compares a vehicle’s list price with its Carfax value, and a payment calculator that uses your credit score, down payment and loan term to generate an estimated monthly payment. The app’s search filters cover all the basics, too, including filtering for

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Complimentary grocery delivery: Get an Instacart+ membership with these eligible Chase credit cards

by Ann deBruyn

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

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Pick another park: Yellowstone closed for foreseeable future due to flooding

by Ann deBruyn

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

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TrueCar App Review: Find a Car

by Ann deBruyn

TrueCar offers a treasure trove of information for car shoppers, from extensive rankings and detailed vehicle reviews to helpful pricing analyses. The app stands out with its “best of” lists that allow buyers to look for everything from the roomiest cars for tall people to the best supercharged and turbocharged cars. TrueCar also tells you whether a listing price is excellent, great, fair or high, and how much people pay on average for specific trims. With this much information, user

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First look: Norse Atlantic Airways’ inaugural flight from New York on the Boeing 787

by Ann deBruyn

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

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Tether (USDT) Cryptocurrency: Current Price and How It Works

by Ann deBruyn

Tether (USDT) is the oldest and largest of several relatively new digital assets called stablecoins . Stablecoins are backed by a reserve of cash, commodities or other assets as a way of keeping their value stable. What Tether aims to do is offer investors a cryptocurrency that is just as dependable as conventional fiat currencies like the U.S. dollar or the euro, with the added benefits associated with blockchain technology. What is Tether? Created in 2014, Tether has quickly g

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Venmo Business Accounts: Pros, Cons, Alternatives

by Ann deBruyn

Venmo, a peer-to-peer money transfer app, is a low-cost option for businesses looking to accept contactless payments. Business owners can register for a business account attached to their personal Venmo account. Once set up, sellers can receive payments with their username, integrated Shopify and PayPal checkout, or a unique QR code. Venmo charges a fee of 1.9% plus 10 cents per transaction. Unlike Zelle, Venmo doesn’t offer free instant transfers. However, Venmo does facilitate returns

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8 reasons New Zealand might have the best DoubleTree hotel in the world

by Ann deBruyn

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

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How to Establish Credit with a Credit Builder Loan

by John Stapel

Getting loans, credit cards and other types of credit can be difficult for borrowers without a good credit history, queue, a credit builder loan. Trying to get approved for credit can be a sort of Catch-22: Creditors want proof that you’ve handled a credit card well before, but without a credit card already in hand it can be hard to show you’re a good risk. What Is A Credit Builder Loan Credit builder loans are sometimes offered by community banks and credit unions as a way to give borrower

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Barclays AAdvantage Aviator Red Credit Card Review (2022.6 Update: 60k Offer)

by Ann deBruyn

physixfan       2022-06-01     2022-06-01 2022.6 Update: The new offer is 60k. 2022.4 Update: There’s only 50k offer now. 2021.5 Update: There’s a 60k + first year annual fee waived offer, HT: MeiKaGongLve. You are supposed to ask your flight attendant for a 6 digit code and enter it in the landing page, but it seems you can enter any 6 digit code such as 999999 and go on with the application. 2021.4 Update: 60k offer is back. Application Link Barclays AAdvant

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The NerdWallet guide to finding the best car insurance rate

by Ann deBruyn

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

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Uber and Lyft wait times improving as more drivers hit the road

by Ann deBruyn

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

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How I Ditched Debt: From $20K to $0 in Five Years and 8 Steps

by Ann deBruyn

In this series, NerdWallet highlights people's debt payoff journeys. This month, Kenley Young recounts how he combined lots of tools for cutting debt, with knowledge he gained working at NerdWallet, to wipe out his credit card balances.  In the first week of 2022, I checked off a long-running New Year’s resolution: I paid off the more than $20,000 in credit card debt I’d owed for about two decades. It was far from an overnight success. I didn’t really start attacki

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Barbados drops all COVID-19 testing for vaccinated travelers

by Ann deBruyn

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

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How to stop your Avios from expiring

by Ann deBruyn

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

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Home Warranty Companies: How They Compare

by Ann deBruyn

Home warranty companies offer some protection against the unexpected expense of repairing or replacing your home’s appliances and systems when they break down due to normal wear and tear. You’ll have to regularly maintain these units in order to qualify for coverage, and you are responsible for paying a fee for each service call (usually between $55 and $150). Plans typically cost between $300 and $600 annually, though some plans can cost more depending on the coverage that they offer.

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Wizz Air CEO sparks outrage after criticizing pilots for refusing to fly when tired

by Ann deBruyn

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

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British Airways affiliate in South Africa to enter liquidation

by Ann deBruyn

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

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Top Small-Cap ETFs for June 2022

by Ann deBruyn

If you’re looking to add smaller companies to your investment portfolio, small-cap ETFs make it easy to invest in lots of small-cap companies at once. Small-cap ETF definition A small-cap ETF is a type of exchange-traded fund that invests in small companies whose value is less than $2 billion. And while $2 billion may sound like a lot, these companies are relatively tiny compared with mid-cap, or even large-cap companies, which start at $10 billion. So if you invest in a small-ca

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Understanding 3D credit card security and how it could affect your trips to other countries

by Ann deBruyn

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

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Are Business Grants Taxable?

by Ann deBruyn

Grants provide free money you don't have to repay — making them a highly desirable form of business funding. However, though they don't require repayment, small-business grants may have tax implications for your business. Here's everything you need to know. How Much Do You Need? with Fundera by NerdWallet Most business grants are taxable A business grant is usually considered taxable income — unless the tax law calls for some exception. Suppose you're a member of

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What it’s like staying at an IHG hotel with Diamond status as the hotels unveil new elite benefits

by Ann deBruyn

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

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Cardano vs. Ethereum: What’s the Difference?

by Ann deBruyn

Cardano and Ethereum are two prominent cryptocurrency projects seeking to provide the basic infrastructure for blockchain-based services and applications. Projects built on Ethereum or Cardano can run without the involvement of a central authority such as a bank or broker. The main difference between Cardano and Ethereum is that Ethereum has established itself as a central component of the cryptocurrency economy. On the other hand, Cardano, a younger technology that has taken a

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What Is an HSA?

by Ann deBruyn

A health savings account, or HSA, is a savings account that lets you set aside pretax money for medical costs. It's handy to save for health care expenses and reduce your taxable income. But not everyone can — or should — sign up for the kind of health insurance plan required to use an HSA. Here's how HSAs work and how they can benefit you. Qualifying for an HSA To save to an HSA, you must enroll in a high-deductible health insurance plan, or HDHP, as defined by the government.

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Watch us race to London Heathrow by cab, the Heathrow Express and new Elizabeth Line

by Ann deBruyn

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

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American introduces a new business-class fare that includes first-class perks

by Ann deBruyn

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

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Medical Business Loans: What They Are and How to Choose One

by Ann deBruyn

Medical business loans, or practice loans, are designed for physicians and other health care professionals to finance medical, dental, vision care and veterinary practices. These loans can offer financing for established operations, new practices and the acquisition of existing businesses. These unique business loans are often found at traditional banks and sometimes offer perks you can’t find with other loans. However, if they aren’t the right fit for your practice, there are other op

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Best Hyatt Credit Card Offer

by Ann deBruyn

Hyatt has spent the last few years expanding its portfolio of hotels to better compete with the likes of Marriott and Hilton. Along with these developments, Hyatt has launched a small business version of its co-branded credit card. But which Hyatt credit card should you get? And which Hyatt credit card has the higher sign-up bonus? Let’s take a look at these two cards to see which one makes sense for you. And note, you don't need to own a small business to be able to qualify for a busine

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American Express Business Loans: 2022 Review

by Ann deBruyn

Editor's note: Offers for an American Express Business Loan are not available at this time per the American Express website. Our Take The bottom line: American Express business loans are a good option for cardholders who have been pre-approved by American Express and are looking for quick credit solutions. Pros Cons Pros No collateral is required. Potential to receive approval quickly. No penalty for early repayment. Minimum FICO score of 660. Cons

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Choice Privileges launches new dining program, offering 2,000-point bonus

by Ann deBruyn

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

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How Does Mortgage Refinance Work?

by John Stapel

Refinancing your mortgage can save you money, build equity in your home, and leave you with a more stable and manageable payment plan. But is it worth it? Refinancing comes at a price. Here, we cover the mortgage refinance basics, benefits, and drawbacks. We’ll also explain the refinancing process and how to find a deal that works for your financial profile. Several different types of refinance loans are available – you’ll see the options in the table below. Further on, we’ll cover e

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Southwest Rapid Rewards® Premier Credit Card Review (2022.5 Update: 75k Offer)

by Ann deBruyn

physixfan       2022-05-26     2022-05-26 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. 2022.5 Update: The new offer is 75k ($5k spending requirement). Offer expires on 7.11. Previously there was a 50k+50k offer but the latter

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How to Buy Ford Stock (F)

by Ann deBruyn

Ford is one of the best-known automakers in the world. Its F-series pickup trucks have been the bestselling vehicles in their class for 44 years in a row. And the Ford Fiesta, though relatively rare in the United States, is one of the bestselling cars globally. Ford stock is almost as popular with investors as Ford cars are with drivers. Ford stock is a component of the SP 100, the large-cap portion of the SP 500 index . Interested in owning it? Check out our guide on how to buy Ford st

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Delta considers letting top-tier elites skip the lounge line

by Ann deBruyn

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

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Hotel Guide: Ritz-Carlton Maldives, Fari Islands

by Ann deBruyn

Vacationing in the Maldives is on many peoples' bucket lists, and the Ritz-Carlton Maldives is one of the newest places to stay on the islands. Opened in 2021, the Ritz-Carlton Maldives, Fari Islands is a fairy tale in paradise. With various dining, recreation and accommodation options, it's the kind of place you never want to leave. And it's got something for all types of travelers, from honeymooners to families to travelers with points and miles. The Ritz-Carlton Maldives, Fari Islands,

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10 travel-friendly features coming to Apple’s newest iPhone software

by Ann deBruyn

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

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How to Make Sure You’re Insured for Summer Activities

by Ann deBruyn

Summer is a time for gathering with friends and family, but with more activity and travel comes increased risk of accident and injury. Some of these incidents could cost you thousands of dollars if you don’t have the right insurance coverage. Here’s how to make sure you're properly covered for some common summer scenarios so that you can make the most of these highly anticipated sunny months. Road trips Piling into the car with friends can be a cost-effective way to travel. But b

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Check your email: Marriott offering 20% off gift cards to targeted members

by Ann deBruyn

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

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Smart Money Podcast: Giving Money to Family, and Inflation Woes

by Ann deBruyn

Welcome to NerdWallet’s Smart Money podcast, where we answer your real-world money questions. This week’s episode starts with a discussion about when and how to give your family and friends money. Then we pivot to a conversation about what’s driving inflation with Darian Woods from NPR’s podcast “The Indicator from Planet Money.” Check out this episode on any of these platforms: Before you build a budget Track all your spending at a glance to understand yo

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The Best Home Inventory Apps and Templates

by Ann deBruyn

Making a home inventory — a record of everything you own — is a smart idea in case you ever have to file a home insurance claim. But listing every gadget, sheet set and article of clothing can be an overwhelming task. Enter home inventory apps and templates designed to make the job faster and easier. I tested more than a dozen of them to find the ones that actually lived up to their promises. Here’s what I was looking for: Ease of use. Was the interface intuitive, or did it

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Forget farm to table, your Florida summer adventure should be catch-and-cook. Here’s how and where to do it

by Ann deBruyn

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

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The Guide to Alaska Airlines Premium Class

by Ann deBruyn

On top of standard economy class seating, Alaska Airlines offers several classes of service on many of its aircraft, including first class and premium class. So what makes Alaska's premium class unique? Here’s what you need to know about flying Alaska Airlines premium class, whether or not you’re booking your travel with Alaska MileagePlan miles . What to expect flying Alaska Airlines premium class Wondering what sort of experience you can enjoy in Alaska’s premium class seats

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Sweet Spot Sunday: Fly to Central America for 12,500 American miles or less

by Ann deBruyn

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

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Your complete guide to shopping protections on American Express cards

by Ann deBruyn

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

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How to Get Into a United Polaris Lounge Before Your Flight

by Ann deBruyn

If you fly United Airlines, you’re probably at least somewhat familiar with its comfortable and spacious Polaris class: lie-flat seats, elevated dining options, bedding and plenty of comfortable amenities. But depending on where you’re traveling, you may also have access to one of United’s Polaris lounges, a distinct upgrade on the typical United Club lounge. But how can you get in before your flight? In short: Fly Polaris class. Fortunately, there are a few other ways to enjoy all

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What Lufthansa’s new St. Louis-Frankfurt flight means to this native St. Louisan

by Ann deBruyn

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

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State Insurance Websites Ranked From Most to Least Helpful to Consumers

by Ann deBruyn

Insurance is a complex purchase — policies are hard to understand, the reputations of insurance companies can be difficult to determine, and what exactly you’re paying for isn’t always clear. Making an informed decision amid the overwhelming amount of information takes some effort, diligent research and, sometimes, a bit of luck. As it turns out, there’s an agency in your state government that should be able to help with all these things: your state’s department of insurance. But

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Air France Business Class Overview

by Ann deBruyn

Air France is a member of the SkyTeam alliance and has a network that spans five continents. Its business class cabin is a popular redemption for members of partner programs like Delta SkyMiles . The French carrier is currently updating its business class cabins to feature a 1-2-1 layout. The newest designs for the Boeing 777-300ER include more modern finishes and a sliding door on each seat to add privacy. There are still a few Boeing 777/777-300 planes that have a 2-3-2 layout wit

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United’s stylish new Away-branded amenity kits are yours to keep

by Ann deBruyn

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

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A Guide to Delta Flights to the Caribbean

by Ann deBruyn

Does Delta fly to the Caribbean? You bet they do! And from quite a few U.S. gateways, too. This SkyTeam airline blankets the region with numerous flights so that travelers can get to the islands in as few stops as possible, depending on where you're coming from, of course. Put those SkyMiles to good use and get to the sunshine in no time (or earn SkyMiles in the process). Here's what you need to know about Delta flights to the Caribbean. Where does Delta fly in the Caribbean? Delta C

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Inside United’s flight training center — and its battle against the pilot shortage

by Ann deBruyn

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

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Financial Advisor (Planner) vs. Financial Coach: What’s the Difference?

by Barbara Hadden

While physical health and happiness are the most important cornerstones of a successful life, you should also pay attention to your financial health and well-being. After all, getting in good financial shape can make life considerably less stressful. Of course, you also want to be able to afford things like braces for your kids, college tuition, and family vacations you’ll always remember. Unfortunately, not enough people take actionable steps to improve their finances, and the statistics pro

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Peddle Review 2022: Sell Your Car

by Ann deBruyn

Our take The bottom line: Best for people who don't need to use their vehicle as a trade-in for another car, or who want to sell an old, damaged or untitled vehicle. Key facts Specializes in older used or damaged vehicles. Offers are good for seven days and are nonnegotiable. No charge to pick up your car. Does not buy vehicles with an active loan. Salvage titles or scrap cars are OK. Pros and cons

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This new travel company will pair you with an expert local guide to plan the trip of your dreams

by Ann deBruyn

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

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Banner Life Insurance Review 2022

by Ann deBruyn

Bottom line: Banner and William Penn offer a wide range of policies and riders, but the minimum term policy amounts may be higher than some consumers want. Banner Life Insurance and its sister brand, William Penn Life Insurance Company of New York, are both owned by Legal General America. William Penn offers life insurance only in New York, while Banner is available in the remaining 49 U.S. states, including the District of Columbia. Life insurance issued by both compani

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JetBlue delays launch of London service from Boston

by Ann deBruyn

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

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Smart Money Podcast: Get Creative About Money With Paco de Leon

by Ann deBruyn

The investing information provided on this page is for educational purposes only. NerdWallet does not offer advisory or brokerage services, nor does it recommend or advise investors to buy or sell particular stocks, securities or other investments. Welcome to NerdWallet’s Smart Money podcast, where we usually answer your real-world money questions. This week’s episode is dedicated to a chat with Paco de Leon, author and creative. Personal finance Nerd Kim Palmer talks with de L

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Investing for Beginners: Learn the Basics of Investing in 2022

by Barbara Hadden

If you’re a beginner investor, or if you haven’t quite gotten started – perhaps because you think you need a lot of money or you’re not sure what the best investment is – you’ll need to learn the basics. That will eliminate many of the myths and even convince you there’s no reason not to be investing. Almost everyone knows Warren Buffet is one of the richest men in the world, like $100 billion rich. But did you know he began investing with just $228? He used it to purchase six sha

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6 Best Home Equity Loans – Updated June 2022

by John Stapel

Home equity loans allow you to borrow funds against the existing equity on your property. The equity balance is the difference between the market value of your home and the amount owed on your mortgage. Homeowners use these loans to fund home renovations, student loans, and high-value purchases or consolidate high-interest debt. When you take out this type of loan, you receive a lump sum that you pay back, typically at a fixed interest rate, over a period of 5 to 30 years. If you’re consid

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Southwest Rapid Rewards® Plus Credit Card Review (2022.5 Update: 75k Offer)

by Ann deBruyn

physixfan       2022-05-26     2022-05-26 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. 2022.5 Update: The new offer is 75k ($5k spending requirement). Offer expires on 7.11. Previously there was a 50k+50k offer but the latter

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Fly to Florida through next year for less than $200 round trip

by Ann deBruyn

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

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Is the Hilton Grand Vacation Club Worth It?

by Ann deBruyn

Perhaps you stay frequently enough at a certain hotel or destination that you've started to wonder whether to join a timeshare program. Many major hotel chains offer this option, which provides partial ownership of a hotel or resort and a guaranteed way to vacation. Hilton is no stranger to this type of program, and the Hilton Grand Vacation Club provides customers with the ability to use dedicated points for stays around the world. But is the Hilton Grand Vacation Club worth it? Let

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This 232-year-old fort is part of Hyatt’s luxury Alila brand: Here’s why I loved my stay

by Ann deBruyn

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

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5 Best Identity Theft Protection Services of 2022

by Barbara Hadden

The best identity theft protection services can help you prevent all kinds of fraud and financial mayhem, such as someone hacking into your brokerage account or using your information to file a tax return in your name. Better yet, many of the top companies that offer identity theft protection extend up to $1 million dollars in identity theft insurance that can cover financial losses if you’re ever a victim of fraud. With that in mind, it’s smart to compare the best identity theft protection

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Are Priority Pass Lounges Usually Crowded?

by Ann deBruyn

Hanging out in an airport lounge instead of a busy gate area can make traveling less stressful, but depending on where you’re traveling and the airline you’re ticketed with, accessing a lounge isn’t always possible. Priority Pass membership is one way to get into a lounge and relax before your flight. But are Priority Pass lounges usually crowded, and will you get value from this membership? Find out what you need to know about Priority Pass to determine if this airport lounge member

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Frontier baggage fees and how to avoid paying them

by Ann deBruyn

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

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Cigna Medicare Part D 2022 Review

by Ann deBruyn

Cigna is the fifth-largest company offering Medicare Part D plans . Nearly 3 million Medicare beneficiaries have Cigna Part D plans as of April 2022. If you’re looking for a high-coverage Medicare Part D plan, Cigna offers some of the lowest prices, on average. Overall star ratings from the Centers for Medicare Medicaid Services for Cigna’s stand-alone Medicare Part D plans are about average. Here’s what you should know about Cigna Medicare Part D prescription drug plans. Cigna

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Sneak peek at Singapore Airlines’ new SilverKris First Lounge and Private Room

by Ann deBruyn

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

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6 Best Home Warranty Companies – Updated May 2022

by Barbara Hadden

The best home warranties can help take some of the hassles out of homeownership, and that’s true whether you’re buying a new home or an existing property. With a home warranty in place, you get the peace of mind that comes with knowing many of your home’s major components are covered for repairs or replacement. The best part? You can pay a monthly cost or an annual fee, and you can customize your warranty to provide the exact coverage you need. That said, not all home warranties are equa

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Orlando International Airport has new dining options coming

by Ann deBruyn

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

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Updated: A country-by-country guide to coronavirus reopenings

by Ann deBruyn

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

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American Airlines baggage fees and how to avoid paying them

by Ann deBruyn

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

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Southwest Airlines Credit Cards Get Summer Bonus Boost

by Ann deBruyn

Sign-up bonuses on Southwest Airlines-branded credit cards will spike to 75,000 Rapid Rewards points, as Americans head into summer 2022 amid rocketing airfares. Bonus details The new bonus is: Earn 75,000 Rapid Rewards points after spending $5,000 on qualifying purchases in the first 3 months from account opening. The new bonus applies to these three personal Southwest-branded credit cards issued by Chase: NerdWallet values Southwest Rapid Rewards points at 1 cent each. This

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How to Pay for Summer Fun: Financing Boats, RVs and More

by Ann deBruyn

Summer is the season to hit the great outdoors, and having a new toy, like a boat or RV, is a dream for many people. But with interest rate hikes, spikes in the cost of oil and general economic uncertainty, you may be hesitant to make a big purchase right now. Financing options, such as a secured loan, can make the purchase more manageable by spreading out payments. But borrowing isn’t right for everyone. Look at your budget and take into account other expenses, like storage, maintenance

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Great for families: A review of the stunning new Hilton Cancun, an All-Inclusive Resort

by Ann deBruyn

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

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10 Awesome Websites That Let You Estimate Your Home’s Value

by Barbara Hadden

Your home value matters. For most people, a home is their largest asset. Understanding the value of the home is important if you ever want to sell, refinance or borrow against your home’s value. Most ways of determining your home’s value are more art than science. If you choose to do a mortgage refinance and possibly pull cash out of your home, your lender will order an appraisal, and a person will put a value on your home. If you choose to sell your home a realtor will find comparable hom

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Can You Bring Food Through TSA?

by Ann deBruyn

Sitting on a plane for long stretches of time without comforting snacks can make a long flight feel even longer. If you want to save money by packing your own food, it’s smart to understand what kinds of sustenance you can bring through the Transportation Security Administration checkpoint. Can you take food through TSA? The short answer is yes: You can bring food through security — as long as it meets other checkpoint requirements . Liquid foods come under particular scrutiny.

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Inaugurating Delta’s newest long-haul route in business-class suites

by Ann deBruyn

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

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Will Insurance Reimburse the Cost of a COVID Test for Travel?

by Ann deBruyn

Depending on where you are traveling, you might be required to take a COVID-19 test before departure. But, of course, this raises whether your insurance will reimburse you for the test. So the short answer is: There’s no one-size-fits-all answer. Whether or not your test will be covered will depend on your health insurance and how you are tested. Let’s look at COVID-19 tests for travel, whether your tests will be reimbursed and tips for getting them covered. COVID-19 tests for inter

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Delta goes all-in on Boston, is set to become the region’s biggest carrier

by Ann deBruyn

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

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Investing Essentials for Beginners & Intermediates

by Barbara Hadden

Do other people’s financial success stories ever make you feel a little… inept? You’ve heard about them: People like the 28-year-old who made so many wise investments she retired last year. Or that school teacher turned stock trader who now teaches school only because he loves his students, not because he needs the salary. We could’ve done that, right? If it can happen for them, why not us? A wise investor simply looks for ways to turn his current and anticipated resources into a more

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Hotel Guide: Conrad Maldives

by Ann deBruyn

The Conrad Maldives Rangali Island is a Hilton resort that offers a luxurious and picture-perfect experience to guests who are lucky enough to visit. Although the Conrad Maldives price can be more than $1,600 per night for cash bookings, you can also use Hilton Honors points to cover the cost of your stay. If you’re considering staying at the resort or are just curious about what this luxury property is like, we have a good chunk of the answers in this Conrad Maldives review. About th

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Act fast: Business-class flights to Paris on sale for travel through April, some under $2,000

by Ann deBruyn

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

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How to Make More Green at Your Next Yard Sale

by Ann deBruyn

A successful yard sale involves hours of preparation and plenty of hard work. So does an unsuccessful sale. I’ve had both kinds and can confidently say the version that makes money is better. If you’re ready to take advantage of warmer weather and the opportunity to declutter, consider these tips culled from experts (and bitter experience) for having a good sale. Determine your goals First, consider whether a yard sale is the right method for your goals. Yard sales and their cous

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How to increase the value of your JetBlue TrueBlue points by 10%

by Ann deBruyn

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

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All the Types of Life Insurance Policies, Explained

by Barbara Hadden

When many people think of life insurance policies, they usually don’t think of all the types of life insurance, they only think term. Term life insurance policies are the simplest, most popular, and the most often purchased; but, in the life insurance menu of options, it’s not the only choice. Far from it, actually. Today, there is a wide variety of life insurance policies available, the most basic of which are term and permanent. Within each of these categories, however, there are many dif

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California plans to add new state park in park desert area near Modesto

by Ann deBruyn

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

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Is Vrbo Legit?

by Ann deBruyn

Depending on your travel style, family size and destination, you might opt in for a vacation rental property instead of a hotel. More often than not, you’ll have access to a kitchen, more shared space and possibly a lower price. Vrbo (pronounced VER-bo) is an online marketplace leading you to vacation homes available for short-term rent. If you’re wondering whether Vrbo is a safe site to book a vacation home rental, it is. Here’s what you should know about the website and how to fi

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How Mobile Passport saved me when a banana foiled my Global Entry dreams

by Ann deBruyn

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

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Best Loans for People with Bad Credit

by Barbara Hadden

If you need to borrow money but your credit is less than stellar, it’s possible you’ll wind up with a bad credit loan. These loans are geared toward individuals with imperfect credit histories who can prove their income and ability to repay the loan. As a result of their bad credit, however, consumers who use bad credit loans typically pay much higher interest rates and loan fees. Bad credit loan customers may also be limited in how much they can borrow as well as the terms of their loan

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A Guide to Auto Loans in 2022

by John Stapel

One of the benefits of auto loans – which can actually be a problem – is that they’re so easy to get. A problem? Most auto loans are straightforward. But there are various types of auto loans that contain different provisions. If you don’t know what they are, you could pay too much for your loan. With that in mind, let’s consider everything you’ll need to know to get an auto loan as an informed consumer. Auto Loans Can Be “Good Debt” We sometimes see debates between good debt

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Capital One Venture Rewards Credit Card Review (2022.5 Update: 75k Offer)

by Ann deBruyn

ThunderFat       2022-05-17     2022-05-17 2022.5 Update: The new offer is 75k, and the spending requirement is $4k spending in the first 3 months. There was a 50k+50k in the past which seems a higher offer, but the latter part requires $20k spending in the first year. So the new 75k offer is slightly better for those who can’t spend that much. 2021.11 Update: The offer is back to 60k now. 2021.3 Update: The current offer is 50k+50k. The latter 50k requires $20k spen

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How to Get Cheap Flights on Alaska Airlines

by Ann deBruyn

Whether you’re an Alaska Airlines elite loyalty member or flying the airline for a single flight, there are some ways that you can save money flying on Alaska. There are a few strategies to save, including searching other travel dates, using credit card benefits or by buying certain fare classes. Here's how you can find cheap flights on Alaska Airlines. Ways to get cheap flights on Alaska Airlines 1. Use Google Flights to track your flight and see cheaper flight options This st

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Feeling the pain of record-high gas prices? Here’s how to save money and earn rewards on gas purchases

by Ann deBruyn

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

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Advantages and Disadvantages of a Business Bank Loan

by Ann deBruyn

According to the Federal Reserve’s 2021 Small Business Credit Survey, banks remain the most common source of credit for small businesses — compared with options such as online lenders, community development financial institutions or credit unions. You can use a business bank loan for a variety of purposes: working capital, real estate acquisition, equipment purchase or business expansion. To qualify for one of these small-business loans , however, you’ll likely need excellent cred

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Hotel companies lured by lavish Saudi Arabia projects must find way to balance humanitarian promises

by Ann deBruyn

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

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How to Invest $20,000 in 2022

by Barbara Hadden

If you are looking for the best ways to invest 20k wisely, you’ve come to the right place to learn where to start. I’m going to show you how to invest that money based on your current attitude toward investing, whether your primary goal is to make sure your money is safe and sound or it’s to earn as much money on your money as possible. Sneak Peek: Top 3 Ways to Invest $20,000 Real estate investing without the hassle Ally Invest: $0 stock and ETF trades Investing $20k is

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Interest Rates on New Federal Student Loans Going Up for 2022-23

by Ann deBruyn

Two years ago, federal student loan borrowers enjoyed the lowest interest rates ever on their loans. This fall, rates for undergraduate borrowers will be nearly double what they were in 2020-21. The interest rates for new undergraduate direct federal student loans are set to increase to 4.99% for the 2022-23 academic year, up from 3.73% last year and 2.75% in 2020-21. The interest rates on graduate direct loans are also set to increase to 6.54%; parent and grad PLUS loans will rise to 7.54

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Venice postpones ‘tourist tax’ on day-trippers until 2023

by Ann deBruyn

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

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How to Save Money on Hotels

by Ann deBruyn

Frequent travelers have their routines set. They know how to maximize their elite status perks and how to save money on hotels in the process. Still, there are some tricks of the trade that may not be so familiar to everyone. Here are eight ideas to save money on hotels, whether you're staying for one night or several. Best ways to save on hotels 1. Become a loyalty program member Loyalty programs are about more than just racking up miles and points to redeem later. Sure, those

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The 5 best destinations you can visit on a Celebrity Cruises ship

by Ann deBruyn

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

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How To Invest And Live Off Dividends

by Barbara Hadden

This is a guest post by Josh Arnold for SureDividend.com At Sure Dividend, we are big proponents of investing in high-quality dividend growth stocks, such as the Dividend Aristocrats. This is a group of stocks that have increased their dividends for 25+ consecutive years, making them ideal candidates for investing for passive income. The goal of most investors is to build enough wealth over time that they can stop working and retire. After all, in order to retire, one needs a sizable portfol

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Can Priceline Get Me a Good Deal?

by Ann deBruyn

Is Priceline legit? This online travel agency is well known and joins plenty of others in promising good travel deals for flights, hotels, rental cars and more. But is this true? It can be. Let’s take a look at how Priceline works, whether it’s reliable and how it can save you money. Like many other online travel agencies, travel can be booked through Priceline on its own dedicated website. So, how does Priceline work? It essentially acts as a middleman between you and the travel ope

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JetBlue baggage fees and how to avoid paying them

by Ann deBruyn

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

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How Debt-Related Stress Affects Body and Mind

by Ann deBruyn

Being in debt feels like you’re always a step behind. It doesn’t help that debt is spoken about as something that’s your fault — too much online shopping, or too many pricey pitchers of mimosas at brunch. “In our culture, in our country, we have a lot of noise about debt,” says Lindsay Bryan-Podvin, an Ann Arbor, Michigan-based financial therapist and author of “The Financial Anxiety Solution.” “We make it mean a lot about who we are, our character, our willpower.” In

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Buffet breakdown: Which cruise lines have self-serve buffets, and which ones don’t?

by Ann deBruyn

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

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Is Bitcoin Investing Safe in 2022?

by Barbara Hadden

Among all the questions surrounding the world’s leading cryptocurrency, is Bitcoin safe may be the most unsettling. That’s because there’s no easy answer to that question. Not only is there the risk of losing money from dramatic price swings, but fraud and scams are on the rise. That’s hardly surprising, given that Bitcoin is now more valuable than ever. The Federal Trade Commission reports that crypto-related scams are on the rise across the board. Between October 2020 and May 2021, th

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Best Barcode Label Printers for Small Business

by Ann deBruyn

The best barcode label printers make it easy to create and print codes that help you track your inventory. Thermal printers, which use heat to print, eliminate the need for ink and can print hundreds of labels per minute. Some barcode printers are also compatible with point-of-sale systems , so keep an eye out for your preferred software. However, just because your POS system isn’t listed doesn’t mean you can’t use the associated printer; it may just require exporting and reformat

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The 13 European countries that still require masks on flights despite EU dropping rules

by Ann deBruyn

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

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What Is a Margin Call? Definition and How to Avoid One

by Ann deBruyn

Margin trading allows investors to purchase securities, such as stocks, with borrowed money. The hope behind the gamble is simple: A loan increases your purchasing power, which can magnify your gains. But what happens when the investments you made with the money you borrowed aren't doing so well? For starters, you might get what's called a margin call. Here's an overview of what that is, the risks involved and how to avoid it. What is a margin call? A margin call is a demand made by

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Alaska cruise deal alert: 5 amazing deals to book now for prime summer travel

by Ann deBruyn

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

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Learn Your Parents’ Financial Plans ASAP

by Ann deBruyn

My mom died at age 61, when I was 31. Seeing her headstone in a field of others smacked me with a brutal, if obvious fact: Everyone, including everyone’s parents, will die. I promise I’m not trying to depress you. I want to prepare you, as this loss can happen sooner than you’d expect. And when parents die, it’s often up to their children to manage not just grief but also financial tasks. Planning for those to-do’s now could help later, when you experience what may be some of y

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8 of the most beautiful beaches on Mallorca, Spain

by Ann deBruyn

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

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Chargeback Fraud: What Small Businesses Need to Know

by Ann deBruyn

Chargeback fraud occurs when a customer disputes a credit card charge with their bank without following proper procedures or by giving reasons that are false. A chargeback is a process by which a customer requests reimbursement for a disputed credit card transaction that meets certain criteria under federal law; the merchant who received payment from the disputed transaction loses the money from the transaction and also has to pay a chargeback fee, typically $20 or more. When consumers r

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What Is a Medicare Advantage HMO Plan?

by Ann deBruyn

A Medicare Advantage health maintenance organization plan is a health insurance plan that requires members to use providers and medical facilities in the HMO’s network for care — unless it’s an emergency. You may also be able to get out-of-network care if you need urgent care when you’re out of the plan’s service area or if you need out-of-area dialysis. The HMO plan is the most common Medicare Advantage plan, accounting for almost 60% of all Medicare Advantage plans. How Medi

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Check your cards: This Amex Offer could take $300 off your next premium cabin flight

by Ann deBruyn

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

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Can You Be a Financial Coach Part-Time?

by Barbara Hadden

Do you have a passion for helping people with their money, but you just don’t know how to go about it? Maybe you already have a career, and you’re not ready to do it full-time? Can you be a part-time money coach? A listener to the GFC podcast that is interested in helping people with their money asked my opinion if it makes sense to pursue his passion. I just love answering these types of questions of people that are determined to follow their passion to serve others. Side note: Feel free

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Trim Your Budget Strategically to Battle Rising Prices, Rates

by Ann deBruyn

Consumers face rising prices almost everywhere they turn, including on basics like gas and food. At the same time, rising interest rates can translate into higher credit card payments for people carrying debt month to month. That double whammy of higher costs for both everyday spending and debt translates into greater financial strain on people’s budgets. While there’s not much consumers can do to change those macroeconomic factors, they can compensate for them by finding new ways to

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You don’t have to stay home: Summer travel deals you can still book

by Ann deBruyn

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

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How to Use Travel Funds on United

by Ann deBruyn

Like other major U.S. airlines, United provides travel funds for its customers. These can come about as a gift due to a canceled flight or other reasons. However, finding and using these funds isn’t the most intuitive experience. So let’s look at how to apply travel funds on United, where you can find them and the different types of travel funds. How do you get United travel funds? There are three major types of travel funds that you’ll find within your United account. Fut

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8 more at-home COVID-19 tests are available from the government, but they can’t be used for travel

by Ann deBruyn

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

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IHG offers status challenge to its two top status tiers — is it worth it?

by Ann deBruyn

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

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Why Marriott’s Protea Hotel Kruger Gate is perfect for an independent South African safari

by Ann deBruyn

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

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How Long Do Hard Inquiries Stay on Your Credit Report?

by John Stapel

There are several important things to understand about hard credit inquiries and how they affect your credit. The following topics should help you better understand how credit inquiries work, how they can lower your credit score, and what you can do about inaccurate hard inquiries. What Are Hard Inquiries? There are two types of credit inquiries: Hard Inquiry: Also called a hard pull, this kind of credit check occurs when you apply for a loan. For example, when you apply for a credit card, a

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Barclays AAdvantage Aviator Business Credit Card Review (2022.5 Update: 80k+$95 Offer!)

by Ann deBruyn

physixfan       2022-05-04     2022-05-04 2022.5 Update: The new offer is 80k+$95! This is the best ever offer on this card. 2022.3 Update: This card is alive again. The current offer is 70k. HT: FM. 2021.11 Update: This card is probably discontinued. Application Link Barclays AAdvantage Aviator Business Benefits 80k+$95 offer: earn 80,000 AAdvantage Miles and $95 statement credit after spending $2,000 within the first 90 days. This is the best ever offer o

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QR Code Payments: How Small Businesses Can Use Them

by Ann deBruyn

A QR code, or quick response code, is a way to convert information into an image, like this: If you point a smartphone camera at one, it can execute a command like opening a webpage in a browser — a simple but useful feature, especially for longer URLs that are too clunky to input manually. Small businesses can use this technology to add to their payment capabilities, turning customer phones into cash registers. How to use QR codes for payments (Screensh

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Cruise lines cap ship capacity, close restaurants due to crew shortages

by Ann deBruyn

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

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Hertz Adds New Way to Skip Young Driver Fees This Summer 

by Ann deBruyn

Ever since the COVID-19 pandemic, rental car prices have been on the upswing. Rental prices reached all-time highs in July 2021 and — while they’ve slightly recovered — they’re still higher every month thus far of 2022 than they ever were pre-pandemic. And rental car prices are almost always higher for young adults. That’s because most rental car companies charge underage rental car fees. But now, college graduates under the age of 25 won’t be subject to young driver fees at al

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Economy and first-class flights to Austin from $124 round-trip

by Ann deBruyn

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

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How to Stay in the Maldives for Cheap via Citi and Choice

by Ann deBruyn

Overwater villas, white sand and strawberry daiquiris — these are the images we conjure up when thinking about the Maldives. One of the most aspirational vacations for every type of traveler, we often spend years saving up for the ability to sleep a few nights above the waves. But these perfect beaches can come at a hefty price. Travelers don’t always have to break the bank to get to paradise. There are plenty of affordable options when it comes time to redeem points for these hotels.

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Small and satisfying: Flying premium economy on Scandinavian Airlines’ new A321LR from Washington to Copenhagen

by Ann deBruyn

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

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How to Avoid ‘Rug Pulls,’ the Latest Cryptocurrency Scam

by Ann deBruyn

A new type of scam has emerged in the hype-filled world of cryptocurrency: the "rug pull." The scam, which gets its name from the expression “pulling the rug out,” involves a developer attracting investors to a new cryptocurrency project, then pulling out before the project is built, leaving investors with a worthless currency. It’s part of a long history of investment schemes. “This isn’t a crypto-only phenomenon. This is a people phenomenon. Crypto is just the latest way to d

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Would you walk across? World’s longest pedestrian suspension bridge opens in Czech Republic

by Ann deBruyn

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

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Rate my redemption: New York to London in British Airways economy, using Avios

by Ann deBruyn

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

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No more $27 beer; Authorities crack down on out-of-control prices at NYC airports

by Ann deBruyn

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

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What Is a White-Label Payment Gateway?

by Ann deBruyn

Online businesses need a payment gateway , a portal where customers can securely enter their payment information to process transactions on their websites. White-label payment gateways, unlike traditional gateways, let businesses customize the online checkout process with their own names, logos and brand components without having to create their own systems from scratch. Many payment processors now have white-label checkout tools or open software for developers to fully customize the chec

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First look: On board United’s inaugural flight to the Azores

by Ann deBruyn

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

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Bitcoin vs. Ethereum: What’s the Difference?

by Ann deBruyn

The main difference between Bitcoin and Ethereum is that Bitcoin was designed as a way to carry out relatively simple digital payments. At the same time, Ethereum can support more complex financial software. Bitcoin (BTC) and Ethereum (ETH) have plenty in common. They are both cryptocurrencies, and together, they make up more than half of the overall crypto market. As such, they rely on similar “ blockchain ” technology, and they appeal to many of the same investors. They a

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US hotel profits reach highest levels in more than 2 years

by Ann deBruyn

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

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‘Fresh Start’: What Student Loan Borrowers in Default Need to Know

by Ann deBruyn

When payments resume on federal student loans, borrowers with loans previously in default will receive a fresh start and be allowed to reenter repayment in good standing. But what does that entail for borrowers in default? And how does the U.S. Department of Education plan to support borrowers to prevent them from defaulting again? Few details are currently available about the program, informally labeled Operation Fresh Start, that was announced on April 6 as part of the federal st

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Quick points: Save miles on infant and child award tickets with these 3 programs

by Ann deBruyn

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

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Smart Money Podcast: Travel Diary: Scrimping and Splurging in Japan

by Ann deBruyn

Welcome to NerdWallet’s Smart Money podcast, where we answer your real-world money questions. This episode is dedicated to a Travel Nerd’s story about traveling to Tokyo for a vacation that balanced moments of luxury and cost-saving travel hacks. Check out this episode on any of these platforms: Track your money with NerdWallet Skip the bank apps and see all your accounts in one place. Our take Taking a multi-week vacation using points and miles mean

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Best Medicare Advantage Plans in Indiana

by Ann deBruyn

Nearly 1.3 million people in Indiana are signed up for Medicare, placing it in the top 20 U.S. states for Medicare beneficiaries . Medicare is the government health care program for people 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 Medica

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Everything you need to know about Blacklane global chauffeur service

by Ann deBruyn

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

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Partnership vs. Corporation: Key Differences and How to Choose

by Ann deBruyn

A partnership is the default business structure for a company with multiple owners. In a partnership, co-owners report their share of the business’s income and losses on their personal tax returns. A corporation, which is formed by filing articles of incorporation, is a legally separate business entity owned by shareholders. An elected board and board-appointed officers manage the corporation. When deciding on a business entity structure, many small business owners find themselves havi

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Don’t want to miss out on earning bonus points? There’s an extension for that

by Ann deBruyn

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

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Is Private Flood Insurance Right for You?

by Ann deBruyn

For decades, nearly all flood insurance in the U.S. has been provided through the federally backed National Flood Insurance Program — but these days you may have other options. A growing number of private flood insurance companies offer coverage that may be more affordable or comprehensive than what you’ll get through the NFIP. Here’s what you need to know about private flood insurance, plus a few companies to consider. But first, a note on terminology: NFIP policies are sold throu

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The power of the Chase Trifecta: Sapphire Reserve, Ink Preferred and Freedom Unlimited

by Ann deBruyn

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

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KPI Explained

by Ann deBruyn

The basics of KPIs KPIs, or key performance indicators, use measurable data to track a company’s progress toward a targeted set of goals. From an investor perspective, KPIs are typically related to a company’s financial performance, but they can also be used to measure marketing, management or employee efficiency. KPIs are typically tracked on a monthly, quarterly, or annual basis. Understanding a company’s performance history can help investors determine future performa

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5 Best Mortgage Refinance Lenders

by John Stapel

There are several reasons to consider refinancing your mortgage. You might be able to get a lower interest rate, which would lead to smaller monthly payments. You might also be able to use your home’s equity for a loan. Irrespective of your reasons for refinancing, the best mortgage refinance companies offer transparent pricing and terms, and have competitive rates. The big factors for how much you might be able to save or get in your loan depend on the condition of the housing market and cur

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Best Credit Card Signup Bonus Offers in May 2022

by Ann deBruyn

physixfan       2022-04-17     2022-05-01 Earning credit card signup bonuses is one of the best ways to acquire a large amount of miles/points in a short period of time and can lead to a 20% or more return on your spending. By combining great signup bonuses with rewards credit cards that provide the best return on everyday purchases, you will be amazed at how many free flights or hotel stays you can earn. Keep in mind that most credit cards that come with lucrative sign-

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West Coast woes: Are COVID-19 numbers rising again on cruise ships?

by Ann deBruyn

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

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SEP IRA vs. Roth IRA: What’s the difference?

by Barbara Hadden

There are multiple varieties of individual retirement accounts or IRAs, for short. Two available versions are the SEP-IRA and the Roth IRA. So, what are they? And, can you choose to have one or the other? – or even both? In fact, a reader submitted this exact question: “I have a question about the SEP Roth IRA. If My employer doesn’t offer any kind of retirement benefits. But I do have my own Roth and from Previous employment Rollover IRA. I am regularly contributing to my Roth IRA.A

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How to Buy a House for Sale by Owner

by Ann deBruyn

Most home sellers work with real estate agents to list and market their properties and negotiate with buyers. But about 7% of sellers skip hiring an agent and list their homes "for sale by owner," or FSBO, according to a National Association of Realtors 2021 survey. Buying a home "for sale by owner" means you, or you and your agent, will deal with the homeowner directly, rather than through a listing agent who represents the property owner. Here's what to know. Working with a buyer's ag

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Dark horse for an everyday card: Virgin Atlantic Mastercard credit card review

by Ann deBruyn

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

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Best Small-Business Loans for Minorities of May 2022

by Ann deBruyn

Minority business loans are available from many lenders. But getting funding from a traditional financial institution may be tougher for minority business owners due to issues like unconscious bias, insufficient credit and limited banking history. More success may be possible with alternative sources, such as nonprofit organizations and online lenders. In fact, a 2019 report from the Federal Reserve found similar approval rates for white- and Black-owned businesses among online lenders, wh

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Should You Pursue Hyatt Elite Status in 2022?

by Ann deBruyn

If you're a fan of free things, then Hyatt elite status is for you. Exceedingly generous with its top-tier members, the World of Hyatt program offers benefits that other programs simply don’t. But is it worth the time and money to invest in the program? Should you pursue Hyatt elite status in 2022? Here’s a look at the perks of Hyatt elite status and how the program can be lucrative. Hyatt elite status rises above the rest We already hinted at this in the introduction, but Hyat

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Use this Aeroplan points sale to buy business class tickets to Europe for under $1,000

by Ann deBruyn

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

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17 Smart Ways to Invest $10K Dollars

by Barbara Hadden

Do you remember the first time you wrote a check for $100? The first $100 check I wrote was for my cell phone waaayyy back in 1997. Whoa…that brings back memories. At that point, it hadn’t even occurred to me to invest the 100 dollars – I was just happy to have my cell phone! What about your first $100 check? Or your first $1,000 check? I bet you weren’t wondering how to invest $1,000 dollars then, were you? Even better, your first $10,000 check? The first time I wrote a check for

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6 things you should know before you rent your first RV

by Ann deBruyn

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

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Best Cash Registers for Small Businesses

by Ann deBruyn

The best cash registers are simple to set up, are reasonably priced and offer the features your business needs to get the job done. After all, an unnecessarily complicated system can turn checkout into a headache for you and your customers. Standard electronic cash registers often work best for brick-and-mortar businesses that need to take payments only. But if you want additional business management capabilities, consider a point-of-sale, or POS, system with register functionality. He

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The very first Park Hyatt – Chicago – is again accepting reservations after major overhaul

by Ann deBruyn

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

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Best Medicare Supplement Plans in Pennsylvania

by Ann deBruyn

Pennsylvania has over 2.8 million Medicare beneficiaries — the fifth highest total of any state . About 1.5 million of those beneficiaries have Original Medicare (Part A and Part B). Here’s what you need to know about finding the best Medigap policy for you in Pennsylvania. Most popular Medicare Supplement Insurance plan types in Pennsylvania There are 10 standard Medigap plan types available in Pennsylvania (Plan C and Plan F aren’t available for new Medicare members). How

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Delta cuts 3 domestic routes as it continues making pandemic-era tweaks

by Ann deBruyn

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

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10 Smart Ways to Invest $1,000

by Barbara Hadden

According to a recent Pew Research Center study , more than half of American adults have money invested in the stock market. Although the median holdings (amounts invested) vary based on age, income, and other demographic factors, it’s clear that Americans see the value of investing — even if their exposure is limited to a workplace 401(k). If you have a fully-funded emergency fund and have an extra $1,000 that you don’t immediately need, you have a lot of options. Unfortunately, the she

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Varo vs. Chime: Which Is Better for You?

by Ann deBruyn

Varo and Chime have comparable offerings with a few key differences. Varo is a bank, and Chime is a neobank — an online-only financial service company that partners with a bank to provide account insurance. Here’s how the two companies compare with each other. Snapshot comparison Checking account No monthly maintenance fee or minimum balance requirement for either Varo or Chime. Varo and Chime both have early direct deposits. Cash deposits at Varo and Chime could b

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Round-trip flights to Vancouver starting at $200 from West Coast and New York City

by Ann deBruyn

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

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What Is a Private Party Auto Loan?

by Ann deBruyn

Private-party auto loans help you pay for a car you buy from an individual, such as a family member or on Craigslist. When you purchase a car from a private seller, you won’t have a car dealership finance department to set up financing. You can find private-party auto loans at banks, credit unions and online lenders, but not all lenders offer them. So you may have to shop around to find one. But that also allows you to apply to more than one lender and compare rates. Private-party auto

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American Express adds new ‘cancel for any reason’ coverage option on flights

by Ann deBruyn

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

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Where to Find Rental Car Discounts

by Ann deBruyn

The rental car crunch and rising gas prices have significantly increased the cost of a road trip. As car rental agencies struggle to replenish their inventory, daily rental rates are soaring in popular travel destinations. In some cities, you’re lucky to find a vehicle at all. However, renting a car doesn’t have to feel like highway robbery. Discounts are abundant — you just have to know where to look. Here’s where and how to find rental car discounts. The AAA isn’t just for

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Virgin Atlantic plane forced to return to Heathrow midflight as pilot had not completed training

by Ann deBruyn

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

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Medicare vs. Medicare Advantage: Which Should I Choose?

by Ann deBruyn

When it’s time to sign up for Medicare, one of the first and most substantial decisions you face is whether to choose Original Medicare or Medicare Advantage. In 2022, 45% of Medicare beneficiaries have a Medicare Advantage plan, according to data from The Chartis Group. The decision will depend on several factors, including where you live, your current and potential health care needs and your financial situation. Both options provide coverage for your major medical needs. But your out-o

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For Summer Travel Deals, Stay Off the Beaten Path

by Ann deBruyn

The majority of Americans — 7 out of 10 — plan to travel in the next 12 months for leisure, according to a February NerdWallet survey . Many Americans are looking to travel this summer, and most hope to find a good deal. Air travel has nearly returned to pre-pandemic levels . The number of flyers passing through TSA checkpoints was down only 19% in February and January compared to the same period in 2019. Hotels are filling up and vacation rentals are booming. “Demand across

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Save on Hawaii Travel Even as Demand Soars

by Ann deBruyn

When deciding where to travel this summer, Hawaii checks all the boxes for many tourists. The islands’ lush, tropical landscape provides a contrast from two years of mostly staying at home. It’s a far-off getaway, but it won’t require a negative COVID-19 test to return to the continental U.S. And, there’s no shortage of luxury. Within the first two weeks of Hawaii's announcement to lift travel restrictions, Expedia says it saw a nearly 30% increase in searches for spring and summer

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FAA pledges to work with airlines to fix Florida’s air traffic delays

by Ann deBruyn

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

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How Your Credit Score Affects Homeowners Insurance

by Ann deBruyn

For people with poor credit, buying a house can be challenging — and expensive. Once you find a lender that’s willing to offer you a mortgage, you’ll probably have a higher interest rate than someone with good credit. And you could also pay significantly more for homeowners insurance. A NerdWallet rate analysis found that a person with good credit would pay $1,784 per year for homeowners insurance, on average. But in most states, someone with poor credit would see an average premium

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5 things to love about Azamara Onward, the new cruise ship from upscale line Azamara

by Ann deBruyn

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

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Best Extended Car Warranty for 2022

by Barbara Hadden

Shopping for an extended car warranty may not sound very fun, but having this protection can provide considerable peace of mind. After all, the best-extended car warranties can ensure your car gets fixed during a covered breakdown. Best of all, your extended warranty coverage will actually pay for the repairs. But, which extended car warranty company should you purchase coverage from? Because there are quite a few reputable providers in this space, it’s crucial to compare them based on the wa

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DIY Credit Repair in 5 Easy Steps

by John Stapel

Having bad credit makes life a lot harder. You won’t be able to open a new credit card, close on a mortgage loan, or even get a personal loan with affordable interest rates. In most states, even your car insurance will cost more when you have poor credit. The answer is DIY credit repair. It’ll take some time and effort, but you can improve your credit score, one step at a time. 5 Steps To DIY Credit Repair Repairing your credit can be easier if you follow these five easy steps. I developed

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AmEx Marriott Bonvoy Business Credit Card Review (2022.4 Update: 100k Offer)

by Ann deBruyn

physixfan       2022-04-21     2022-04-21 Non-affiliate disclosure: all information about the this card have been collected independently by US Credit Card Guide and has not been reviewed by the issuer. 2022.4 Update: The new offer is 100k. The 125k+2FN offer appeared last year was way better. 2021.11 Update: The big offer has expired. The current offer is only 75k+$150. 2021.9 Update: The card is now offering 125k points and 2 Free Night certificates up to 50k p

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5 Ways to Finance a Swimming Pool

by Ann deBruyn

On a hot summer day, a dip in a cool pool feels priceless. But installing that swimming pool definitely comes with a price tag. An above-ground pool costs $700 to $3,600, while an in-ground pool costs $36,750 to $66,500, according to home improvement website HomeAdvisor. Cash is the interest-free way to pay for your backyard oasis, but saving that kind of money could take years. To finance the project, you have a handful of options. Some are unsecured and others use your home as collater

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Aeroplan cardholders can now transfer Chase points with a 10% bonus

by Ann deBruyn

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

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6 Nerds Share Their 2022 Travel Rewards Strategies

by Ann deBruyn

NerdWallet’s travel experts harp on one concept over and over again: The smartest way to plan your trips, redeem points and miles, or select a new travel rewards credit card really depends on your individual travel goals. Turning your travel rewards plans into a smart money move doesn’t have to entail opening 20-plus credit cards. If you need some inspiration for your credit card strategy this year, our Nerds share some of their own approaches for 2022. You’ll find what benefits they

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I flew this French low-cost airline from LA to Paris and wouldn’t do it again

by Ann deBruyn

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

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Best Medicare Supplement Plans in Texas

by Ann deBruyn

Texas has over 4.4 million Medicare beneficiaries — the third highest total of any state . Of those, about 2.3 million Texans have Original Medicare (Part A and Part B). Here’s what you need to know about finding the best Medigap policy for you in Texas. Most popular Medicare Supplement Insurance plan types in Texas There are 10 standard Medigap plan types available in Texas (Plan C and Plan F aren’t available for new members), but they’re not all equally popular. In fact

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How To Invest And Live Off Dividends

by Barbara Hadden

This is a guest post by Josh Arnold for SureDividend.com At Sure Dividend, we are big proponents of investing in high-quality dividend growth stocks, such as the Dividend Aristocrats. This is a group of stocks that have increased their dividends for 25+ consecutive years, making them ideal candidates for investing for passive income. The goal of most investors is to build enough wealth over time that they can stop working and retire. After all, in order to retire, one needs a sizable portfol

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Business Insurance Near You: How to Find an Agent

by Ann deBruyn

If you’re looking for business insurance near you, you’re probably searching for a local agent you can trust. After all, you might get small-business insurance from this person for years and rely on them for help navigating crises like natural disasters and employee injuries. If your insurance needs are simple and you want coverage right away — for instance, you need general liability insurance before you sign a lease — it might be easiest to buy business insurance online .

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Oktoberfest returns to Germany this fall

by Ann deBruyn

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

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Couple gets married on board Southwest Airlines flight

by Ann deBruyn

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

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8 Ways to Save Up the Down Payment for a House

by Barbara Hadden

When my wife and I purchased our first home, I was 5 months into a military deployment in Iraq. In a lot of ways, this presented a hardship since I wasn’t physically present to help see the process through. Then again, I trusted my wife’s judgment so much that I was willing to become a first-time homeowner – even from the other side of the world. Even though we didn’t have a huge down payment, we had several factors working in our favor. First, we qualified for a VA home loan, which is

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Can You Have 2 American Airlines Credit Cards?

by Ann deBruyn

Unlike most airlines, American Airlines offers credit cards through two different card issuers: Citi and Barclays. This dual partnership opens up even more opportunities for travelers to accumulate AAdvantage miles . Combined, these two card issuers currently offer six different American Airlines co-branded credit cards — four consumer cards and two small-businesses cards. All of these options may leave you wondering whether you can have two (or more) American Airlines credit card

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How some airlines are getting involved in blockchain, cryptocurrency and NFTs

by Ann deBruyn

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

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Are Older Workers a Solution to the Labor Shortage?

by Ann deBruyn

During the ongoing labor shortage, businesses are offering hiring incentives, increased compensation and flexible schedules to attract workers. They may also want to consider whether they’re taking full advantage of an often-marginalized, but willing and able, segment of the U.S. labor force — older workers. Older workers, classified as those age 40 and over by the federal Age Discrimination in Employment Act, make up a significant portion of the U.S. labor force. Roughly 43% of the la

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Holland America’s Mariner Society loyalty program: Everything you need to know

by Ann deBruyn

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

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How Much Is a $1 Million Life Insurance Policy?

by Barbara Hadden

Do you think a million-dollar term life insurance policy sounds like too much insurance? As a Certified Financial Planner, I see underinsured people every day. What do I tell them? A million-dollar term life insurance policy might actually be the minimum coverage needed for the typical middle-class household, but it’s affordable. That might sound like an exaggeration, but if you crunch the numbers – just as we’ll be doing a little bit – you’ll realize that a million-dollar policy

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Best Cash Registers for Small Businesses

by Ann deBruyn

Many small businesses still work well with an old-fashioned stand-alone cash register, but businesses that sell online or in multiple locations may benefit from a point-of-sale system with a touch-screen terminal instead. If your business only needs to process payments and manage basic inventory, a traditional cash register from Sharp or SAM4 will do the job. But for sales reports, employee management, mobility and more, an industry-specific POS terminal may be worth the investment.

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Hilton to open the country’s first net-zero hotel in May

by Ann deBruyn

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

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Rocket Homes Review

by Ann deBruyn

What is Rocket Homes? Rocket Homes Real Estate is a sister company of Rocket Mortgage, an online mortgage lender. Through its website and app, Rocket Homes helps buyers shop for and purchase homes, and it assists homeowners with listing and selling their properties. The company matches buyers and sellers with local, vetted agents from a variety of brokerages. It also offers tools for homeowners who want to sell without an agent and avoid paying a listing agent's commission. The company

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I just booked a $129 flight to Europe from JFK. Here’s how I did it

by Ann deBruyn

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

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4 Primary Mortgage Types for All Buyers

by Barbara Hadden

Discussions on mortgages usually focus on the loans as a single type. But nothing can be further from the truth. Not only are there different types of mortgage loans, but there are also different mortgage programs, not to mention mortgage lenders. We’re going to discuss both the different types of mortgage loans and the various programs that offer them. However, this is a general discussion of the most popular types, since there are more less-popular loan types and even issuers. The Different

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How to Avoid Zelle Scams, Plus What to Do If You Can’t

by Ann deBruyn

Zelle is a peer-to-peer payment network used by more than 1,000 banking apps. Like other P2P services, Zelle makes it convenient to send money to friends and family using their email address or phone number. But as convenient as it can be for you, it’s also that convenient for scammers who want your money. Recently, Zelle’s been in the news because criminals are taking advantage of the platform to scam people into sending them money. Banks and credit unions are not responsible for

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Summer deal alert: Round-trip flights to Vegas from California starting at $78

by Ann deBruyn

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

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Are Plane Tickets Refundable?

by Ann deBruyn

Whether you’re heading to a sunny theme park or springing for a romantic Parisian getaway, booking your plane tickets takes time and planning. However, there is always an element of uncertainty when it comes to travel — and these days a variety of factors can disrupt even the best-planned vacations. In such cases, you may be wondering, “Are plane tickets refundable?” The answer to this will depend on how and where you booked your ticket. Let’s take a look. Nonrefundable ticket

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Alaska Airlines Visa Business review: Earn 40,000 miles and a Companion Fare

by Ann deBruyn

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

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Airline and Hotel Programs That Allow Status Extensions for Life Events

by Ann deBruyn

Life happens. Whether it's the birth of a new child or needing to care for a family member, sometimes you need to take a break from your normal travels to spend some time at home. Airlines and hotel programs understand that, and some are even willing to extend your elite status to let you pick up where you left off before your leave. 10 airlines and hotels that grant life event elite status extensions 1. Delta Reclaim My Status Delta Air Lines offers the broadest elite

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Mickey, monorails and massive milkshakes: 9 things Disney fans will love about Las Vegas

by Ann deBruyn

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

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Capital One Venture X vs. Chase Sapphire Reserve: Sapphire Outshines

by Ann deBruyn

Both the Capital One Venture X Rewards Credit Card and Chase Sapphire Reserve® have much to offer seasoned travelers seeking high-end perks. They each provide annual travel credits, airport lounge access, credits toward Global Entry or TSA PreCheck and other valuable benefits — in exchange for sizable annual fees. But the Chase Sapphire Reserve® comes in slightly ahead, thanks to more flexibility with that travel credit, plus higher point values when you redeem for travel. Yo

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Book the Conrad Bora Bora with wide-open award space in early 2023

by Ann deBruyn

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

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NAV Explained

by Ann deBruyn

What is net asset value, or NAV? Net asset value measures how much an investment fund is worth after subtracting its total liabilities from its total assets. For example, if a mutual fund has $200 million in assets and $20 million in liabilities, its NAV is $180 million. NAV helps set the share price for various types of investment funds, including mutual funds . Why NAV matters Mutual funds, which sell shares directly to or redeem them from individual investors rather than trading

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Hitting all the right notes: 24 hours at the W Nashville

by Ann deBruyn

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

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Be warned: You may now need advance reservations for Hawaii activities

by Ann deBruyn

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

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American Airlines Flagship First Class Guide

by Ann deBruyn

If you're planning to fly with American Airlines on a long-haul journey, you may want to consider booking an American Airlines Flagship First class ticket. This premium travel experience is available on longer transcontinental flights and many international flights. Here's what you can expect as an American Airlines Flagship First passenger. What is American Airlines Flagship First class? American Airlines Flagship First class tickets are available on select transcontinental and intern

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Crypto May Be Coming to Your 401(k) — Here’s What to Know Now

by Ann deBruyn

The investing information provided on this page is for educational purposes only. NerdWallet does not offer advisory or brokerage services, nor does it recommend or advise investors to buy or sell particular stocks, securities or other investments. Fidelity Investments announced Tuesday that it will offer 401(k) investors access to Bitcoin as an investment choice in their retirement accounts. This is big news because Fidelity is a legacy investment brand, and cryptocurrencies have b

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Get up to $50 off your next Alaska flight when you sign up for Mileage Plan

by Ann deBruyn

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

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How to Remove a Repossession From Your Credit Reports

by John Stapel

When you stop making payments on an auto loan, the lender will take the vehicle back. In lending terms, this is called repossession. Read on to find out how to remove an invalid repossession from your credit report. A repossession could happen in two ways: You could surrender the vehicle voluntarily and retain some control over the process. The bank could send someone to reclaim the vehicle — often without notifying you in advance. Either kind of repossession hurts your credit score. The ne

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Opinion: Business Class Doors Are Actually Revolutionary

by Ann deBruyn

DEVGRU       2022-04-23     2022-04-23 Matt at Live and Let’s Fly wrote a piece a few days ago calling doors in business class suites “(a)n n unnecessary gimmick”. His main argument is that such doors are (1) thin and flimsy, (2) not tall enough to provide a meaningful amount of privacy, (3) poor in quality, and finally (4) conducive to a sense of claustrophobia. Instead, it is claimed that all is well with the current generation business class seats, such as Apex Suite

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Best Mortgage Lenders for April 2022 – 6 Picks

by Barbara Hadden

The best mortgage lenders offer a variety of benefits that help them stand out, from low-interest rates to reasonable closing costs. Most of the top lenders also make it easy to shop around and compare mortgage rates online and from the comfort of your home, and many specialize in mortgage loan products that help first-time buyers ease their way into homeownership.  If you’re shopping for a new home or you need to refinance the mortgage for a property you already own, you should find out whi

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SPAC Explained

by Ann deBruyn

A special purpose acquisition company, or SPAC, is a company set up by investors with one purpose: to help a private company go public . SPACs have helped companies like DraftKings, BuzzFeed and Virgin Orbit Holdings go public. They’ve grown more popular in recent years because they make investing in large, public companies more accessible to all investors. What is a SPAC? A SPAC is a shell company, or a company that doesn't produce any products or offer any services. In most cas

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A game of thrones: Flying business class on Scandinavian Airlines’ new A321LR from Copenhagen to Washington

by Ann deBruyn

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

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What Does Superhost Mean On Airbnb?

by Ann deBruyn

You’ve probably heard of Airbnb . The vacation rental accommodation giant has rewritten the way guests travel by putting hosting into the hands of the people. While this has greatly expanded places for people to stay, there’s no guarantee that the property you book will be a good one — especially when there are few reviews. The Airbnb Superhost program, along with several other designations, attempts to remedy this so that your stay will be as pleasant as possible. So what does th

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Just got the Chase Sapphire Preferred? Do these 6 things next

by Ann deBruyn

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

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How To Read Your Credit Report

by John Stapel

When you learn how to read your credit report you can find credit reporting errors quickly — before they hurt your borrowing power. Don’t feel bad if your credit report makes little to no sense. These complex records confuse a lot of people. If one of your credit reports already includes errors — debts that don’t belong to you or past due balances that aren’t even late, for example — you’ll need to get them corrected to restore your good credit. What Kind of Information Appears on

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The Heaviest Credit Cards List (2022.4 Update: Bilt Mastercard: 16g)

by Ann deBruyn

physixfan       2022-04-24     2022-04-24 29 Comments 2022.4 Update: The new card Bilt Mastercard (0 annual fee) is also a metal card! Its weight is 16g. 2021.11 Update: The new card Capital One Venture X is 17g. 2021.10 Update: The AmEx Centurion card with the new design is 17g (previously it was only 14g). HT: reader erikfeifei. Most credit cards are made of plastic of approximately 5 grams (g) of plastic, but some are made of metal. Not all metal cards have the sam

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Investing for Parents: Save for Retirement, Avoid These Mistakes

by Ann deBruyn

One of the first times I started to panic about money was when I found out I was pregnant in 2017. I had zero dollars in an emergency fund, no retirement savings , and I wasn’t earning enough to support a baby as an underpaid freelance writer. Elizabeth Ayoola and son. In several articles I read about "easy ways to make money," investing was an option. However, I always skipped past that suggestion because I wasn’t a whiz at math. It also felt like an income stream

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Deal alert: Fly to Tenerife from Boston, Miami and Newark from $438 round-trip

by Ann deBruyn

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

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Everything you need to know about the best seats on Southwest Airlines

by Ann deBruyn

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

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28 Passive Income Ideas To Build Real Wealth

by Barbara Hadden

“Making money while you sleep”  has a nice ring to it, doesn’t it? After all one of the goals of financial independence is to build wealth that doesn’t eat up your time, so you can enjoy life and do the things you choose to do. The truth is that building a passive income stream usually isn’t passive at first. It requires time, money, skills or all three. But where do you start? The first step is to just build a small nest egg savings account that you can use for later. We’ll com

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6 Things to Know Before Flying Emirates First Class

by Ann deBruyn

Emirates first class offers one of the most luxurious experiences in travel and, depending on the route and plane, can include: An onboard shower. Two bars. A Bulgari amenity kit. Expansive food and drink options. Of course, you also get bragging rights for life. Before hopping on your flight, here are six things you should know about flying Emirates first class. What to know before flying first class on Emirates 1. You can book Emirates first class with points

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9 things to consider when choosing to book via a portal vs. booking directly

by Ann deBruyn

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

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How to Go Green(er) With Sustainable Banking

by Ann deBruyn

This Earth Day, you may be wondering how you can reduce your negative impact on the planet. Where you spend and keep your money can affect the kinds of sustainability efforts that are funded and the harmful practices that aren’t. The bank that you use may have some surprising effects on the amount of deforestation and fossil fuel use that occurs worldwide. If you want to align your money with your values, there are moves you can make to be more intentional about funding environmentally s

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