7 Things to Consider When Using Credit Cards Overseas

credit card on mapI always use my credit cards when I am traveling internationally. They offer convenience, security, and protection that just isn’t available when using traveler’s checks or foreign currency.

In addition, I receive generous cash back and travel rewards of 2% or more every time I use my credit card.

Using a credit card when you travel internationally is a wise choice, but there are also many important factors you must consider when using credit cards in foreign countries.

Using Your Credit Card Abroad

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How to Impress Your Boss at Work Without Sucking Up

men boss at workIt would be nice if we lived in a world where our bosses judged us solely by the quality and quantity of our work. However, the reality is that personal impressions are very important.

In the workplace, impressing your boss can often make the difference between maintaining your position and getting a promotion. In a down economy, it can even be the deciding factor between keeping your job and getting laid off.

Know What Kind of Boss You Have

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5 Ways to Use New LED Technology & Lighting to Save Money

leds light blackLED stands for light-emitting diode. This technology is not new, but it is revolutionizing the way we live, work, and play. LEDs are special because they create light instantly while producing very little heat and consuming a fraction of the electricity of a standard light bulb.

In fact, they are even more efficient than compact florescent (CFL) light bulbs. You can buy an LED light bulb to replace a standard bulb.

You can also find LED technology applied to many other devices as described below.

LED Technology & Lighting

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How to Find Credit Cards Without Foreign Transaction Fees

credit card foreign eurosThe CARD Act of 2009 eliminated almost all of the traditional tricks and traps that banks used to employ to separate you from your money. However, one of the last remaining fees that banks are still allowed to charge is the foreign transaction fee.

The foreign transaction fee is not a currency exchange commission. In fact, purchases in U.S. dollars made outside the country are usually subject to this fee, meaning you don’t even have to leave home to be ripped off. You’ll also pay the foreign transaction fee on some purchases that are merely processed in other countries.

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Hybrid Cars Pros and Cons – Benefits & Problems

hybrid car mountainsMy wife and I thought we were doing well with our Subaru wagons since we had avoided the purchase of a gas guzzling SUV. Our “Subies” are fun to drive, hold lots of stuff, and usually see about 22 miles to the gallon.

Nevertheless, our Outback was starting to get up there in miles and was generating repair bills that were uncharacteristic for a Subaru. Being fascinated with hybrid technology, we finally decided to take the plunge and replace the old Outback with a newer hybrid.

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How NOT to Use a Credit Card – 10 Uses You Should Avoid at All Costs

credit card debt womanHave you ever heard someone talk about how they use their credit card and just had to shake your head? Though the Internet is filled with good advice on how to use credit cards and rewards wisely, some people are just not getting the message.

Of course, what’s really going on is they’re getting a different message; they’re listening to what credit card companies want them to do. And because credit card companies are out to make a profit – a profit off your hard-earned money – that is generally a very bad idea.

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How to Crack US Airways Dividend Miles Redemption for Rewards Travel

us airways dividend miles logoYou spend years earning frequent flier miles through travel, credit cards, and various promotions. But when the time comes to book your flight, the airline wants to redeem twice the amount of miles you expected. How many times has this happened to you?

It’s happened to many US Airways customers when they’ve tried to redeem their Dividend Miles. US Airways has severely restricted their award seat availability on their own flights, while making it very difficult to find available award seats on their partners’ flights. Fortunately, there is a large community of travelers dedicated to the challenge of finding awards and they’re willing to share their secrets.

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How to Sell Your House by Owner – Without a Realtor

house for sale by ownerOwning a home is one of the biggest investments most people ever make. When it’s time to sell your property, the standard practice is to find a real estate agent.

After the sale, your agent and the buyer’s agent will share about 7% of the sale price as their commission, which amounts to a hefty portion of your equity being lost to the real estate agents.

After buying and selling multiple properties, I eventually realized that I was paying the real estate agents too much money for something I could handle myself. I discovered how to sell a property while retaining significantly more equity than if I had hired an agent.

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5 Revolutionary New Types of Bicycle Parts & Accessories to Look for

bike technologiesNothing is quite as enjoyable as the simple pleasure of riding a bicycle. That pleasure can disappear, however, when you have to deal with a flat tire or a malfunctioning derailleur. Jarring rides, poor brakes, and greasy chain marks on pants and legs are some of the other common inconveniences that cyclists have tolerated for more than a century.

Thankfully, manufacturers are adapting technologies from other industries and applying them to bicycles to reduce or eliminate some of these problems. If you have an old clunker gathering dust in your garage, take a look at the next generation of bicycles and how they have evolved to make cycling even more enjoyable than it has ever been. And if you’ve put off a regular tuneup for a little too long, consider some of these practical innovations.

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