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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.

Carbonite Review & Offer Code – Online Computer Backup Worth It?

Jason Steele

This post brought to you by Carbonite. All opinions are 100% mine.

carboniteAny Star Wars fan can vividly remember the scene in The Empire Strikes Back when Han Solo is “frozen in carbonite” for his delivery to Jabba the Hutt.

The mythical substance is also the namesake of an innovative online backup service that stores the important contents of your computer in the event that it is lost, stolen, or damaged.

How Carbonite Works

Users start by downloading an application that scans the irreplaceable files on your computer. Those files are then sent over the Internet to the servers hosted by Carbonite. As you continue to create, receive, and modify files, Carbonite will continuously update them in the background.

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Sprint Total Equipment Protection Review – Phone Insurance App

Jason Steele

This post brought to you by Sprint. All opinions are 100% mine.

sprint total equipment protectionWhile it is thrilling to whip out your new smartphone and gain access to a world of information, that exhilaration can be replaced with a terrible, sinking feeling when your phone is damaged or lost. Mobile service providers sell insurance plans to allow their customers to receive a new phone in the event of loss, damage, or theft.

Sprint now offers the Sprint Total Equipment Protection App to Sprint and Nextel customers. The plan goes beyond a simple replacement policy, by developing a useful application that can assist you if something happens to your phone. The coverage is optional and can be canceled at any time.

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American Express Premier Rewards Gold Card Review

Jason Steele

american express gold rewards cardCredit card companies, like car manufacturers, offer dozens of different products at various price points in order to appeal to every segment of the market. Automobile manufacturers typically offer cars priced at low, mid-range, and high prices to appeal to a variety of customers.

Similarly, American Express offers a Gold card for a $125 annual fee, but the next most expensive product, their top of the line Platinum card, commands a $450 annual fee. To fill the gap, they created the American Express Premier Rewards Gold Card. The card offers all of the features of their standard Gold card, but with higher rewards.

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Cardpool Review – Exchange Gift Cards Online

Jason Steele

cardpool gift cardGift cards have become a second currency in the United States. From local stores to large international corporations, nearly every merchant offers gift cards.

Many stores offer customers gift cards for refunds in lieu of cash. Most gift cards can only be used at specific merchants, so a thriving market exists for the sale and trade of unwanted gift cards.

Cardpool buys and sells gift cards, helping consumers to maximize utilization of the cards.

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How Cardpool Works

  • Cardpool Is Both Buyer & Seller. As a broker, Cardpool essentially serves as both the buyer and seller of your gift cards.

Comcast Xfinity vs. Verizon FiOS Review

Jason Steele

tv and internet mediaAs a residential customer, you used to be lucky just to have access to broadband Internet access from any one provider. Now, many households can choose from a few different companies.

Two of the largest providers are Comcast, which now brands its services as Xfinity, and Verizon, which uses a product called FiOS. Both companies offer bundles that provide television programming, Internet access, and residential telephone services – the more services you purchase, the more of a discount they’ll give.

At first glance, both services may seem pretty much the same, even though each company touts its advantages as significantly better than the other’s. So which company truly offers the better deal for cable customers?

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10 Best Gift Ideas for Men for Under $100

Jason Steele

gifts for menEspecially if you’re on a tight budget, it’s tough to shop for gifts for men. Since you’ll be looking for a low-price gift, chances are that if he wants it, he already bought it. The trick? Find something he wouldn’t have gotten on his own.

Here are some one-of-a-kind experiences or high-priced items that you can get for a surprisingly low cost. By focusing on luxury items that you can find for a reasonable price, you can delight someone with an item he normally wouldn’t have even dreamed of purchasing.

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Aurora Bank Review – An Online Bank with Competitive Interest Rates

Jason Steele

aurora bank logoWhen the age of the commercial Internet dawned in the mid 1990′s, banks were quick to seize on the potential of this new development. Until that time, retail banks required expensive branch offices in each community they hoped to serve. However, an online bank could broaden its customer base by marketing services to all United States residents.

So it happened that consumers benefited from increased competition for their business while banks cut their costs by reducing or eliminating the need for branch locations and staff. Aurora Bank is one such Delaware-based institution that offers certificates of deposit (CDs) and money market accounts in addition to checking and savings accounts and home mortgages.

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Why Most Americans Should Not Use Credit Cards

Jason Steele

cut credit cardWhen people fall on hard times, they react to their new reality by taking a far more cautious approach to their personal finances, which includes turning towards other methods of payment for their daily spending. Although many people rely on credit cards, research points to decreased credit card use. The reasons why someone might discontinue using credit cards varies, but prolonged debt, and surplus of information about credit card interest rates can contribute to the decline in credit card usage.

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Does Closing a Credit Card Account Hurt Your Credit Score?

Jason Steele

woman cut credit cardWhen I was younger, I tried to close my unused credit card accounts to boost my credit score. I never carried a balance, but I thought if I had too many credit cards, I wouldn’t be eligible for new lines of credit. Years later, I discovered this belief was misguided, and that the truth was far more complicated.

To understand how closing a credit card account can hurt your credit score, it helps to know how the score is calculated. Companies used to review your credit history to determine your creditworthiness, and then decide whether or not to grant you a line of credit. Today, the credit bureaus have boiled your credit history down to a single number, the credit score.

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Chase United Mileage Plus Explorer Credit Card Review

Jason Steele

Many observers wonder if this competitive market for rewards credit cards will be looked back on as the golden age for these products. It seems like each week, credit card companies release new credit card products, while enhancing existing cards by adding increased perks and sign-up bonuses.

The United Airlines Mileage Plus Explorer Card from Chase bank supplants their Mileage Plus card as well as Continental’s OnePass Plus Card. The card provides a number of benefits for business and leisure travelers. Benefits include combining the benefits of United Airlines and Continental Airlines’ frequent flyer programs.

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How to Sell or Trade In Your Old iPhone for a New One

Jason Steele

iphone handAs technology continues to improve at increasingly rapid speeds, new phones hit the market on a seemingly daily basis. Smartphones, iPhones in particular, have been dominating the market so strongly, and new releases come out so quickly, that one starts to think about what to do with an “old” iPhone after just three months.

When the new and improved version comes out, do you set it aside in a junk drawer? Give it away? Especially if you still have a relatively new device, selling or trading in your old phone is likely your most appealing option.

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American Express Gold Delta SkyMiles Business Credit Card Review

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 Card 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

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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Chase Ink Cash Business Credit Card Review – $250 Sign-Up Bonus

Jason Steele

Investors want to earn the highest percentage of returns on their money; a business that charges expenses to a credit card should have this same objective in mind. When business credit card holders fail to earn as much cash back as possible on their purchases, they leave money on the table.

Chase offers its Ink Cash Business Card to help companies and sole proprietors maximize the cash back they can earn from their regular business purchases.

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Key Features

  • Sign-Up Bonus. Chase currently offers applicants a $250 sign-up bonus: $100 after your first purchase and $150 after spending $5,000 in the first three months.

Citi Forward® Credit Card Review

Jason Steele

citi forward credit cardThose who constantly struggle to pay their credit card bills may feel like they need help to get bills paid on time. Banks charge late fees and penalty interest rates that make it painful to pay your bills late.

At the same time, some customers prefer to receive some kind of incentive for staying within their credit limits, and for paying their bills on time.

The Citi Forward® card offers cardholders rewards for making on-time payments.

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Key Features

  • Earn ThankYou Points for Purchases. Cardholders earn a single ThankYou point for each dollar spent, with five points per dollar earned for purchases of movies, books, music, and dining.
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