Discover it® Miles Credit Card Review – 1.5 Miles + 2X Bonus

The Discover “it” family of credit cards has a new member: the Discover it® Miles card. It’s a travel rewards credit card that offers a slew of travel-related perks, including no travel blackout dates, no airline restrictions, and free in-flight Wi-Fi up to $30 per year.

The card accrues miles at a rate of 1.5 per $1 spent, with one mile always equivalent to $0.01. Accrued miles never expire and can be redeemed in any amount, either as a statement credit for travel-related purchases or a cash deposit to a linked bank account. And, the Discover it Miles card comes with generally reasonable fees and rates – particularly, the lack of an annual fee and penalty APR set this card apart from many competitors.

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Business Green Rewards Card from American Express OPEN – Review

The Business Green Rewards Card from American Express OPEN (a Money Crashers partner) is one of the most recognized business charge cards on the market. That, plus a basic program for earning Membership Rewards points on travel purchases, makes it a great beginner option for fledgling operations.

Keep in mind that a charge card, unlike a credit card, requires payment in full every month, which means you cannot carry a balance.

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Key Features

  • Sign-up Bonus. You earn 5,000 Membership Rewards points, worth $50 in gift cards, when you make your first purchase within one year of approval.

Discover it® chrome Credit Card for Students – Review

Discover Card has included two new credit cards: the Discover it chrome and Discover it chrome for Students. The Discover it® chrome for Students includes features commonly found with Discover cards, such as the benefit of low fees and a rewards program for earning cash back on purchases.

However, the biggest difference between the Discover it for Students and the chrome version is that chrome offers a different and possibly better rewards program.

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Key Features

  • Fees. There is no annual fee for the Discover it chrome for Students card. The balance transfer fee is 3%. There is no foreign transaction fee.

Should I Buy Refurbished Electronics? – How It’s Different From New & Used

Say you’re in the market to buy a new laptop. The one you’ve got your eye on is the MacBook Pro, but you can’t find a new one for less than $1,200, which is out of your price range. As you hunt online for a better price, you come across several offers for older MacBook Pros secondhand – some for as little as $250.

This sounds like a fantastic deal, but you hesitate. You suspect that if someone else is getting rid of this computer, there must be something wrong with it. You worry that the computer won’t work at all or will break down within a week or two, leaving you out $250 with nothing to show for it.

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9 Worst Home Improvement Projects That Decrease Resale Value

Homeowners make upgrades to their property for many reasons: cosmetic face-lifts, mechanical upgrades, and renovations with an eye toward boosting resale value. Regardless of your motivation, the most essential ingredients to your next project are research and smart choices – without them, you may end up with an inferior renovation and a lot of money lost.

Before starting any home improvement project, review your market and see what has the best potential to make your property stand out. For example, if your neighborhood mostly consists of modest three-bedroom homes, adding a fourth bedroom may yield a nice return. By the same token, if the average home price is $150,000, you would be unlikely to recoup the money spent on a new $50,000 kitchen.

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11 Things You Can Get for Free – How to Get Free Stuff

Here’s a little memory exercise: Try to make a list of all the things you’ve spent money on in the past week. Start with today, and work your way backward, jotting down the trip to the grocery store, the bus fare for work, and the movie over the weekend. Include everything, whether it was a just-for-fun purchase, such as a new outfit, or a necessary expense, like paying your cell phone bill.

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Advantages & Disadvantages of Credit Cards – Do They Help or Hurt You?

If you ever want to start an argument in a financial forum, all you have to do is bring up the topic of credit cards. It seems that everyone either loves them or hates them.

Some financial gurus, most notably Dave Ramsey, see credit cards as pure evil. Ramsey states that “responsible credit card use does not exist,” and maintains that there is simply no good reason for anyone to use one, ever. But others, such as Jeffrey Strain of the investing site The Street, argue just as passionately in their favor. Strain calls credit cards “an excellent financial tool” on account of their convenience and the protections they offer consumers.

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12 Issues That Can Reduce Your Rental Security Deposit Refund

If you’ve ever lived in rental housing, you’ve almost certainly put down a security deposit. Every U.S. state permits landlords to collect security deposits from new tenants. Deposits typically range from one to two months’ rent, and about half of all states impose an upper cap (usually expressed in rent-months) on deposit size. Some states require landlords to keep deposits in a separate escrow account, while others permit landlords to deposit them into regular accounts, commingling their funds with rent and other monies.

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Opening a Joint Bank Account & Merging Finances After Marriage – Pros & Cons

Creating, managing, and sticking to a household budget requires a good deal of time and mental energy, even if you live by yourself and don’t have expensive tastes. You need to account for your monthly rent or mortgage, keep up on those insurance payments, stay current on your credit card balances, and remember to keep your pantry well-stocked with groceries. And after all that, you’ve got to make sure you have enough left over to keep your emergency reserve and long-term savings funded.

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