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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.

Gold Delta SkyMiles® Business Credit Card from American Express – Review

By Jason Steele

amex delta skymiles gold business cardBusiness travelers need credit cards that reward them for flying, and that provide additional advantages both on the road and at home. Delta has five different versions of its SkyMiles credit card for consumers, including three business credit cards.

American Express offers the entry-level Gold Delta SkyMiles® Business Credit Card from American Express to companies and sole proprietors. The card provides a number of features and benefits for business travelers. Before applying, learn more about the advantages and disadvantages of using this card.

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Key Features

  • Earn SkyMiles. Cardholders earn miles in the Delta SkyMiles rewards program. Cardholders earn one mile for nearly every dollar charged to the card, and double miles for Delta purchases.

What Is Roku – Review of Streaming Digital Media Player

By Jason Steele

roku logoIn the 40′s and 50′s, Americans began receiving their television signals over the air. In the 70′s and 80′s, cable and satellite companies largely supplanted the broadcast signal.

One day, we will look back at this decade as the period in time when over the air digital television and content from the Internet replaced cable and satellite television. While the explosion of Internet programming is exciting, watching television on your computer may not feel like progress.

Fortunately, innovative companies have stepped forward to extend your Internet media from your computer’s monitor to your television. Roku offers several models of its Internet video streaming device.

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Citi mtvU Platinum Select Credit Card Review for College Students

By Jason Steele

citi mtvu credit cardObtain a student credit card to develop your personal finance skills. Receiving rewards for charging more purchases to a credit card may seem tempting, but students should limit their spending, and pay their balances in full every month.

The Citi mtvU Platinum Select card rewards students for good grades. Students can redeem awards for MTV-branded merchandise and events.

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Key Features

  • Earn ThankYou Points. For each dollar spent, students earn a point in Citi’s proprietary rewards program. Students earn five ThankYou points for spending in categories popular with students including book stores, movie theaters, music stores, restaurants, and video rental stores. Students can earn up to 75,000 ThankYou points each year.

What to Look for When Buying a Laptop Computer – Specs Explained

By Jason Steele

man holding laptop computerLaptop computers used to come with a prohibitive price tag compared to the cost of mainstream desktop computers. Over the past few years, however, the desktop’s cost advantage has vanished, making a laptop the overwhelming favorite if you have limited desk space or just think you have the slightest chance you might use your computer outside of your home.

At the same time, technological advances have brought about laptops that are smaller, faster, lighter, and easier to use. The only downside to these developments is that now you have a lot of options, and choosing the right laptop is increasingly difficult. Here are the factors that you need to consider:

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6 Reasons to Buy a Car with Cash and Avoid Car Loans

By Jason Steele

buy car cashDo Americans love their cars too much? Even as a car lover myself, I would argue yes. There is no other explanation for our behavior. Most of us who wouldn’t consider financing furniture or appliance purchases will take out a loan to finance our vehicles without a second thought.

Every time I fill out an application that inquires about my family’s finances, there is always a section that asks how much my car payment is. Ever since I bought my first car, my answer has always been the same: zero. Yet, I invariably see friends and co-workers driving around in new cars bragging about the great terms they got on financing. As you will see, great financing is always an illusion and you actually should never borrow money to buy a car. Cash is still king when it comes to purchasing your car.

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Chase Continental Presidential Plus Credit Card Review

By Jason Steele

This card has been discontinued since the merge of United and Continental Airlines. See the Chase United MileagePlus Explorer Card for the new version.

The quest to earn additional frequent flyer miles has disillusioned many travelers. Banks and airlines have started to take notice, offering non-mileage rewards and perks, including free checked bags, priority check in, and discounted tickets.

The Continental Airlines Presidential Plus Card from Chase exemplifies this trend. The card offers plenty of frequent flyer miles, and many other non-mileage benefits.

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The Business Gold Rewards Card from American Express OPEN – Review

By Jason Steele

american express business gold cardBanks offer a range of credit cards targeted towards businesses. Sole proprietors, who wish to keep their company expenses separate from their personal charges, can also benefit from these cards. Businesspeople want to earn rewards for using their credit cards, and receive travel perks.

The Business Gold Rewards Card from American Express OPEN is ideal for companies and individuals willing to pay an annual fee in order to receive benefits and rewards.

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Key Features

  • Sign-up Bonus. Get 25,000 Membership Rewards points after you spend $5,000 in purchases with the card in the first three months.

Blue Sky from American Express® – Credit Card Review

By Jason Steele

american express blue sky cardThe market for rewards credit cards has historically been dominated by cards that offer frequent flyer miles with one or more airlines. But for some people, those rewards have lost their value, especially since it has become extremely difficult to redeem miles for convenient flights. That’s one reason why cash back rewards cards, like the Blue Sky from American Express®, have grown in popularity. Let’s take a closer look at the features of these credit cards, and some of the advantages and disadvantages of each.

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HSBC Advance Online Savings Account Review

By Jason Steele

In this day and age, online savings accounts have taken the reins in the industry. Online accounts provide the flexibility of anytime banking with a high annual percentage yield (APY).

The main attraction of online banks is that they can provide higher interest rates because they don’t have the added costs of running many traditional brick-and-mortar banks. They also tend to boast no maintenance fees or minimum balance requirements. Online savings accounts have the capability to link to external bank accounts, which makes transferring money easy.

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Chase Continental OnePass Plus Credit Card Review

By Jason Steele

This card has been discontinued since the merge of United and Continental Airlines. See the Chase United MileagePlus Explorer Card for the new version.

Airline-affiliated travel rewards credit cards have evolved to the point where customers are now expecting far more than just frequent flyer miles. Every year, banks and airlines strengthen their symbiotic relationship in order to generate more revenue from their mutual clients. In order to entice these passengers to use their products, the airlines’ credit card offerings now contain baggage fee waivers, bonus miles, and even cash back.

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How to Redeem Delta SkyMiles Rewards for the Most Valuable Flights

By Jason Steele

delta skymiles logoDuring the last few years, Delta Airlines exited bankruptcy, acquired Northwest Airlines, and emerged as a global powerhouse. But despite their transformation, one lingering frustration for customers has been attempting to redeem their Delta SkyMiles without giving up an absurd amount of miles.

In fact, the Wall Street Journal reported on a survey of frequent flyer award availability and found that Delta ranked the worst among the majors with a mere 13% success rate in finding affordably priced awards. Delta even admitted its problem and promised to change, but observers have not noticed anything yet.

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What to Do with Unwanted Gift Cards – Sell, Trade, or Exchange

By Jason Steele

unwanted gift cardIf you have unused gift cards lying around collecting dust, don’t let them go to waste. The gift card industry is worth an estimated $60 billion, and experts say that at least 10% to 15% of gift cards are not redeemed. That’s $6 to $9 billion dollars that consumers never use.

The retailers are counting on this, since unused gift cards equate to company profits. However, unused gift cards don’t have to go to waste. There are several websites, including eBay, where gift cards are being traded, and even sold, for cash.

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Delta SkyMiles Classic & Options Credit Card Review from American Express

By Jason Steele

amex delta skymiles classic options cardAs gas prices rise, one of the few business strategies keeping airlines afloat is selling their frequent flyer miles to banks. This way, the banks can offer them as rewards to their credit card customers.

Of all the airlines, Delta is in a class by itself because of its relationship with American Express. There are five distinct Delta-Amex products that you can use to earn SkyMiles.

While very frequent flyers may benefit from the perks offered by the Delta Gold, Delta Platinum, and Delta Reserve cards, Delta doesn’t ignore the occasional travelers who want to get in on the rewards and miles. For their entry-level market segment, they offer two of their least expensive credit cards: the SkyMiles Options card and the classic Delta SkyMiles card.

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American Express® Gold Card Review – Benefits & Rewards

By Jason Steele

american express gold cardIf you pay your credit card balance in full and on time every month, a credit card is merely a method of payment, not a method of financing.

There is a credit card designed for those who never carry a balance. The American Express® Gold Card is a charge card that must be paid in full every month. The card offers considerable rewards, but they do come at a price.

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Key Features

  • Pay Your Balance in Full. This is a charge card, not a credit card. Failing to pay your balance in full means the account is delinquent and penalty interest rates will apply.

How to Choose a Credit Card That’s Right for You

By Jason Steele

man choose credit cards handIn spite of the dangers of excessive credit card use, we are still fortunate to have a very competitive credit card market that offers a nearly limitless choice of products. In fact, choosing the best credit card can be an overwhelming task. The key to finding the right one is to determine what kind of person you are when it comes to managing your personal finances.

Are you the type to pay off your balance in full every month? Or is your balance so big that you can only afford minimum payments? Do you use your credit card to provide yourself short-term loans? Or do you regularly transfer balances to avoid expiring introductory APRs?

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The content on Money Crashers is for informational and educational purposes only and should not be construed as professional financial advice. Should you need such advice, consult a licensed financial or tax advisor. References to products, offers, and rates from third party sites often change. While we do our best to keep these updated, numbers stated on this site may differ from actual numbers.
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