Jason Steele Jason has been writing about personal finance, travel, and other topics on blogs across the Internet. When he is not writing, he has a career in information technology and is also a commercially rated pilot. Jason lives in Colorado with his wife and young daughter where he enjoys parenting, cycling, and other extreme sports.
Few industries utilize price structures as confusing as the airlines. When you purchase a ticket for a bus or train you’ll pay the same rate for almost any day of travel. Maybe you’ll face a slight surcharge for a last-minute trip. But when it comes to airfare, rates change daily, and usually without notice.
Many factors influence the cost of airline tickets, including when and where you book, and when and where you travel. Plus, you’ll still face a myriad of hidden travel fees for items and services like checking bags and changing your reservation.
You may already know that you can save a lot of money by canceling your paid television services and receiving free HDTV via an antenna. But what you may not know is that instead of mounting an outdoor antenna, you can purchase a small indoor antenna and receive the same or even better quality than a rooftop model delivers.
Every airline credit card offers frequent flyer miles for dollars spent. What makes a travel rewards credit card stand out, however, is the number of miles offered and the non-mileage perks granted to cardholders. Extra bonus miles can add up, especially if you are among the consumers who put most of your expenses on a reward card – you may find yourself taking an extra trip or two each year.
There are typically two types of rewards credit cards: cash back credit cards and travel rewards cards. If you’re a jet-setter, a travel rewards card is probably most appealing; if you’re a homebody, cash back is the way to go.
But what if you want both? While the Capital One Venture Rewards Card is marketed as a travel rewards card, savvy users will find that it’s actually a very good cash back card as well – thus making it an impressive “combo” card.
Have you ever wondered how different generations handle their finances? Experian, one of the largest credit agencies, took a look at the credit scores of millions of Americans of different age groups as well as what kind of debts they incurred.
Debit cards were in the news frequently this past year – often in a less-than-positive light – as numerous banks sought to impose fees for their use. Normally, a debit card is issued by the bank that holds your checking account, though this is not always the case. The Target REDcard is one such debit account set up via a retailer, rather than a financial institution.
The Target REDcard functions as a debit card that draws funds from any checking account. It offers the same convenience as any debit card, while offering customers additional benefits, such as a 5% discount on most purchases. Below is more information on the top features and how it works.
Iberia Bank has been in existence for 125 years, but only has locations in six Southeastern U.S. states. Nevertheless, it has earned a following among credit card users by offering cards with low interest rates.
Iberia offers the Visa Select Card for those who want extremely competitive interest rates and a 0% introductory financing offer.
Introductory Financing Offer on Purchases. New cardholders with excellent credit will receive a 0% APR on purchases for one year, although less qualified applicants will only receive a purchase APR of 7.5%.
Credit card debt can be like a ball and chain that you must drag around wherever you go. One of the reasons that it is so onerous is that banks must charge a higher interest rate than they do for other products, and there is a higher cost of using credit cards. Furthermore, credit card debt is unsecured, which means that unlike your home or car loans, there is nothing to repossess in the event that the borrower defaults.
Banks work to cultivate an image of luxury and exclusivity in their credit card products by naming them after precious substances like gold, platinum, sapphires, and diamonds. For example, over the years, gold cards have become commonplace.
In order to remain competitive and to continue to offer unique products, banks have increased the rewards and the fees for some of their high-end products to maintain that “elite” status. To those who value high-end benefits and exclusivity, Barclay’s Bank offers the Visa Black Card.
Small business owners and sole proprietors need business credit cards to finance various purchases and to track expenses. In addition, business owners may want to use their cards to earn valuable rewards.
The Citi AT&T Universal Business Rewards Card offers reasonable interest rates and a solid rewards program that allows business owners to earn extra points for purchasing gas, office supplies, professional services, and purchases from AT&T while easily tracking business expenses.
People have different credit scores, depending on how they manage their money. But did you know that credit ratings vary dramatically from city to city?
That is the conclusion reached in a new report from Experian, one of the largest credit agencies. They took a sampling of their VantageScores and issued a report indicating the cities where people have the best, and worst credit. Their results may surprise you.
Cities with the Best & Worst Credit Scores
It turns out that Wausau, a city of 36,000 in central Wisconsin, has the highest average VantageScore in the United States at 789. In fact, the Midwest was over represented, with eight cities in the nationwide top 10.
Banks continue to compete against each other in an effort to attract customers with the best credit scores. In fact, credit card companies use sign-up bonuses to entice you to apply for their credit cards. A sign-up bonus consists of points or miles awarded after the first purchase, or awarded after a modest amount of spending in the first three months after signing up for the card.
The most notable sign-up bonuses in the past that are now expired include Capital One’s “Match My Miles” giveaway, which awarded up to $1,000 in statement credits to cardholders, and Chase’s British Airway’s Visa, which offered a generous 100,000 points sign-up bonus.
Many business travelers have given up the game of earning frequent flyer miles and other loyalty points. Too often, these programs are riddled with rules, restrictions, blackouts, and capacity controls. It may be easy to earn points and miles, but redeeming them for valuable rewards is so difficult that many prefer to earn cash back rewards instead.
But before you do that, you need to learn about the Starwood Preferred Guest® Business Credit Card from American Express (a Money Crashers partner). It’s one of the few cards left that combine truly unlimited award availability, amazing points transfer options, and exceptional customer service.
There is nothing inherently wrong with the idea of a savings account, yet extremely low interest rates make them very unattractive. With rates hovering at around 1%, any money you put into a savings account will be only be growing at the most glacial rate.
The other problem with savings accounts is that they are usually dependent on your own resolve when it comes to actually putting money away. The Way2Save program from Wachovia/Wells Fargo is an attempt to address these two weakness that affect traditional savings accounts.
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