How to Get a Home Energy Efficiency Audit & Assessment – Cost & Options

It’s expensive to heat, cool, and power a home. According to a WalletHub survey that draws from 2016 state and federal data, the average monthly household energy bill ranges from a high of $404 in Connecticut to a low of $218 in Washington State. To get those numbers, WalletHub added together the average monthly electricity, natural gas, motor fuel, and home heating oil bills in each state.

Needless to say, energy costs can really impact household budgets, especially at the lower end of the income scale. According to the American Coalition for Clean Coal Electricity, households in the lowest income quintile pay approximately 22% of their after-tax earnings toward energy, including motor fuel. By contrast, top-quintile households pay just 5%, on average.

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Barclaycard Rewards MasterCard® Review – 2% Back on Gas, Groceries & Utilities

The Barclaycard Rewards MasterCard® is a cash back rewards credit card with no annual fee, a straightforward rewards program, and relatively laid-back credit requirements for applicants. It earns a flat, unlimited 2% cash back on gas, utility, and grocery store purchases, and a flat, unlimited 1% cash back on everything else. Depending on how you spend, Barclaycard Rewards MasterCard may be a somewhat less generous version of the Barclaycard CashForward World MasterCard, which earns a flat, unlimited 1.5% cash back on all purchases and has some nice perks, such as a $100 sign-up bonus and 12-month 0% APR introductory promotion.

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Barclaycard CashForward™ World MasterCard® Review – 1.5% Cash Back

The Barclaycard CashForward™ World MasterCard® is a cash back rewards credit card with no annual fee and a straightforward rewards program that pays you back on everyday purchases. The CashForward World MasterCard earns a flat, unlimited 1.5% cash back on all purchases, with no spending categories, caps, or restrictions. Unlike some competing cash back cards, such as Chase Freedom, cardholders aren’t required to opt into specific cash back categories at any point during their tenure.

The Barclaycard CashForward World MasterCard is comparable to a number of other no-annual-fee cash back cards. Its closest competitors include Freedom, Capital One Quicksilver (which is quite similar in many ways), BankAmericard Cash Rewards, Blue Cash Everyday from American Express, and Discover it.

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6 Ways to Save on an Engagement Ring – Cheap Diamond Alternatives

Blame De Beers. In 1938, the jewelry giant launched the first initiative for engagement rings, which painted the sparkling stunners as status symbols and must-haves. It was also De Beers that set the standard for how much to spend on an engagement ring: two months’ worth of the would-be groom’s salary.

Fast-forward eight decades, and the diamond engagement ring is still the standard. I’d say that was some extremely effective marketing, wouldn’t you? Because while diamonds are expensive, they aren’t rare. In fact, according to the International Gem Society, diamonds are the most common of all gemstones. Considering markup is routinely 20% to 100% of wholesale value, there’s just no reason they should be as costly as they are.

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Citi Simplicity® Card Review – 0% APR for 21 Months

The Citi Simplicity® Card really lives up to its name. This straight-shooting credit card has one of the longest introductory 0% APR promotions in the business, covering both purchases and balance transfers. Accordingly, it appeals to consumers who wish to transfer high-interest balances from existing credit card accounts or finance large purchases that they can pay off before the regular APR kicks in. Although it doesn’t have an unusually low APR once the introductory period ends, Citi Simplicity’s lack of penalty fees and interest charges is great for cardholders who occasionally slip up.

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Expedia®+ Voyager Card from Citi (Review) – 4x Points at Expedia

The Expedia®+ Voyager Card from Citi is a travel rewards credit card with a $95 annual fee, a strong sign-up bonus, and automatic membership in Expedia’s highest frequent traveler tier. Its rewards program favors frequent travelers who use Expedia to book hotel stays and airfare, as well as people who spend heavily on dining and entertainment.

The Voyager Card is comparable to a number of other travel rewards cards. These include branded cards such as the Citi Expedia+ Card (a less generous version of the Voyager card), the Citi Hilton HHonors Reserve Card, the Starwood Preferred Guest Card from American ExpressCiti/AAdvantage Platinum Select MasterCard, and Gold Delta SkyMiles from American Express.

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Expedia®+ Card from Citi (Review) – 3x Points at Expedia

The Expedia®+ Card from Citi is a travel rewards credit card with no annual fee and a solid rewards program that favors people who frequently use Expedia’s travel booking program. It also boasts a very good sign-up bonus and automatic membership in Expedia’s frequent traveler program.

The Citi Expedia+ Card competes with a number of other travel rewards cards. Some are branded cards, such as the Citi Hilton HHonors Reserve Card, Citi/AAdvantage Platinum Select MasterCard, Gold Delta SkyMiles from American Express, the Starwood Preferred Guest Card from American Express, and the Citi Expedia+ Voyager Card.

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Citi® Double Cash Card Review – Unlimited 2% Cash Back

The Citi® Double Cash Card is a cash back credit card with no annual fee and an unusual, but not overly complicated, rewards program. As the name suggests, Double Cash earns cash back rewards twice – once when you spend, and again when you pay off your card balance. Cardholders who take advantage of both earning opportunities get an effective unlimited 2% cash back rate, which is about as generous as no-annual-fee cash back cards get.

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Premier Rewards Gold Card from American Express – Review

The Premier Rewards Gold Card from American Express is an exclusive charge card with a $195 annual fee (waived the first year) and no preset spending limit. As a charge card, Premier Rewards Gold doesn’t incur regular interest charges. However, you’re required to pay your balance in full each month and may be subject to account closure if you fail to do so for more than 2 consecutive months. Keep in mind that this card is reserved for people with truly excellent credit, and thus isn’t appropriate for first-timers or those with any serious fiscal blemishes.

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Gold Delta SkyMiles® Credit Card from American Express – Review

The Gold Delta SkyMiles® Credit Card from American Express is a popular travel rewards credit card with a $95 annual fee and a solid Delta airline rewards program that favors regular Delta flyers who earn rewards fast enough to neutralize the annual fee. All Delta purchases, including airfare and incidentals, earn an unlimited 2 SkyMiles rewards points per $1 spent. All other purchases earn an unlimited one SkyMile per $1 spent. You can redeem accumulated SkyMiles for Delta airfare, select merchandise available at the SkyMiles Marketplace, and other goodies.

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