The Hard Numbers on the Best Travel Rewards Card

November 26th, 2012 by andy

Frequent flyers, consistent cruisers, and recurrent roadsters are always looking for ways to get more out of their travels. Perhaps the easiest way to do that is to get a travel rewards card, which offers money and discounted rates in exchange for spending on the card. The more you use your credit card, the more rewards you will have to use for a trip. It’s as simple as that. After we ran a study to find the best cash back rewards card , we decided to conduct a similar study that analyzed the hard numbers behind five popular travel card programs in the country. The results for 2012 are in… ? The Study We began our study by establishing a base level of spending for the theoretical cardholder working with these credit cards. Using the government-based Consumer Expenditures Report from 2011, we were...

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How Much Foreign Transaction Fees Can Really Cost You

November 23rd, 2012 by Pixfarm.net

Travelers often make the mistake of going overseas without studying the exchange market. You don’t have to slave away for hours doing this, but it is important to know what your money would be worth in another country. Foreign transaction fees, exchange rates, and the like can all add up to money out of your pocket. Your budget may not stretch as far as you want it to. For this article, we are going to assess what foreign transaction fees really can really cost you in comparison to other options. This should help you determine how you want to pay during your travels. What Are Foreign Transaction Fees? Foreign transaction fees are added to the cost of a transaction when you use your credit card overseas. These fees may also be charged when you buy an item in another country, since ...

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What is the Most Affordable Way to Pay Back Student Debt?

November 21st, 2012 by florarums

College costs are on the rise, and most students struggle to find ways to cover them. Sure, everyone would love to get a full ride scholarship with room and board included, but that kind of opportunity rarely comes about. Close to 60% of college students borrow money to pay for their education, and most of them spend decades trying to pay it back. The question is, what is the most affordable way to pay back student debt? Is it through student loans, credit cards, personal loans, payday loans…? The list goes on from there. For the purpose of this post, we are going to compare student credit cards to various types of student loans to determine which option will best suit your situation. In the end, we...

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Citi Launches “Price Rewind” – 30 Day Lowest Price Guarantee

November 20th, 2012 by neaspinheshix

Having recently moved from a 1 bedroom apartment to a 4 bedroom house, I’ve bought a lot of things recently in order to fill up the new living quarters.  My wife and I always do our best to sniff out the best deal, but sometimes we drop the ball and I have to tell you there’s nothing more frustrating then paying for something only to learn soon after you could have paid less. To erase this pain, Citi has decided to launch a new feature called “Price Rewind” which offers consumers a rebate if they’ve overpaid for certain merchandise.  Here’s a rundown of how the Price Rewind process works from start to finish: A Citi card members purchases a product online or in-...

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The Hard Numbers on the Best Cash Back Card

November 19th, 2012 by Midoattaiff

When you start browsing the Internet for the best cash back credit card , chances are you’ll find a series of generic articles that conclude with “It depends on the card user.” While there is some merit to that statement, we wanted to find a way to firmly establish a winner. To do this, we looked at the hard numbers for five of the top rated cash back cards in the country to decide which one on average would provide the most money back per year. Our stats for 2012 are in …   Assessment Assumptions Before we get into our results, ...

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Southwest Airlines Rapid Rewards Credit Card 2 FREE Flights Review

November 16th, 2012 by e.raymond@isolu.net

Wanna get away?  Me too.  When stress is at an all-time high and you don’t want to wake up in the morning, nothing is more rejuvenating than a good getaway.  The Southwest Airlines Rapid Rewards Card from Chase gives you the opportunity for just that with the opportunity of receiving, guess what?  Two free round trip flights. Southwest Credit Card 2 FREE Flights By applying and being approved for the Southwest Airlines Rapid Rewards Credit Card from Chase , you’ll be able to earn 50,000 rewards points by spending $2,000 in the first three months; which is equal to two round trip flights to any one of 70 destinations that Southwest Airlines flies to. ...

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What’s Fueling the Growth in the Prepaid Card Industry?

November 13th, 2012 by neilwilliams2009

The prepaid credit card was once considered the outcast of the payment world. While debit card and credit card hung out with the other hipsters in the plastic posse, prepaid was left to sulk on the sidelines. Why would anyone want to load money onto a credit card when he could cover his needs in cash? That just seems silly. Nevertheless, the prepaid industry has become one of the fastest growing payment systems in America, leading many to wonder what sparked this sudden desire for not-so-hassle-free spending. Here, we will take a look at some of the factors that may have caused this growth and analyze its potential for continuance ...

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Why You Should Vote on Tuesday November 6th, 2012

November 7th, 2012 by prendasyday

In roughly 12 hours, the President of the United States from 2013 to 2016 will be determined.  In the left corner, weighing in at just under 4 years of presidential experience, Barack Obama.  In the right corner, Mitt Romney, a newcomer that is determined to take the  belt away from our current champion.  Who to vote for? I’m 27 years of age, which means that I’ve voted a total of three times.  I’ve voted on the same party line twice, one time helping ease the pain of the loser, one time helping the winner.  Already having voted via absentee ballot, I have once again voted for the same party.   I watch the presidential debates, stay somewhat up to date on political policy and try to make as informed a decision as possible.  That decision (in my humble opinion) can be determined by asking yourself WHY you are...

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Using My New Green Card from American Express is Tough!

November 6th, 2012 by herbalifereviews

I recently was approved for The Green Card from American Express , and while my reaction is still positive, I’ve found one major flaw that I did not initially consider when applying for the card.  As it turns out, very few merchants in Connecticut accept American Express! Every few years, Americans are asked to complete surveys on who their favorite credit card issuer is and which one they trust the most and hands down, Ameircan Express always finishes at the top of the list.  However I bet if you asked small business owners which credit card issuer is their favorite, the answer most certainly wouldn’t be Ameircan Express (and in fact, small business owners might not pick anyone because credit card fees cut into profits). You see, American Express charges a higher fee for merchants than all other credit card issuers.  They do this because they spend...

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Why Do We Use Credit Cards? – Analyzing the Psychology of Spending

November 6th, 2012 by ichiro

Money, fame, and fortune – the three cornerstones some say represent a successful life. Fame is somewhat hard to come by, but money and fortune are all around us. With a simple credit card application, a poor man can feel like a king because he has access to a seemingly unending source of money. Thus he can live a temporary life of luxury because he is spending money he doesn’t have to pay back right away. Is that what drives us to stockpile plastic in our wallets, or is there an underlying factor that triggers the craving for credit? The answer lies in the function of the mind. In this article, we...

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