Jefferson Graham USA TODAY Published 12:03 PM EDT Apr 21, 2019 LOS ANGELES – I'm set to say bon voyage soon to Madrid, on a free airline trip, my fourth in two years. Courtesy of the Chase Sapphire Reserve, I've gone to Hawaii, Japan twice, and now soon Spain. The card is a pricey splurge – $450 a year in fees, but Chase gives you a $300 credit for dining and travel purchases once you've hit that number, (which includes taxis and Uber rides), three points per dollar spent on travel and dining purchases, or one point per dollar for others. And there was that generous 100,000 points signup bonus when I joined. With that and the 3x offer, the points added up really quickly. In a nutshell, the 100,000 points got me two free tickets to Japan. It varies with airlines, the time of year you fly and the various deals of the moment, but generally 50,000 points is good for one international flight, and 25,000 for domestic. I don't game the system … [Read more...] about Best deals on travel credit cards from Chase, Marriott, Citi
Does credit score affect car insurance
Mary Fox Luquette MBA, CLU, ChFC Published 11:09 AM EDT Apr 5, 2019 Parents work hard to develop their children into self-sufficient adults. They do this incrementally — for example, during their teen years by allowing them to stay home alone or by permitting them to go to events with minimal supervision. Sending children to college is a major milestone in their self-reliance. At college, they develop time management skills. They learn to adhere to schedules and rules. They learn the importance of paying attention to details. Most importantly, they learn that it costs money to live away from their parents’ income. Many parents believe that one way to teach children to manage their own expenses is to get them a credit card. In theory, it sounds reasonable, but there are pitfalls, and parents need to be aware that these money traps can affect their children for a very long time. If parents continue to monitor and work with their children, then a credit card may be … [Read more...] about Should college students get credit cards?
Q: Over the years, I have co-signed on a number of loans for my children. On one occasion, I needed to contact the lender to get a loan document and I was surprised how difficult it was for me, as the co-signer, to get access to documents directly from the lender. I needed to have the primary borrower get the documents. It seems odd that the co-signer is equally liable for the loan, but does not have equal access to the documentation. Most recently, I was a co-applicant for my daughter's car loan. What is the difference of being a co-signer and co-applicant and is there an advantage of either type of loan? Specifically, I am curious how each type of loan impacts the primary borrower's credit rating, how the secondary borrower's debt-to-income ratio is affected and the secondary borrower's ability of get loan information and documents.Also, I'm curious about a situation when the primary borrower fails to make payments and the payments are assumed by the secondary borrower; does the … [Read more...] about Will co-signing for my kids’ loans harm my credit rating?: Money Matters
By Ann Carrns Published 9:09 pm PST, Friday, February 15, 2019 Customers wait in line at a Dollar rental car counter at San Jose International Airport in San Jose, Calif., Monday, May 9, 2011. Hertz is raising the stakes in its pursuit of Dollar Thrifty Automotive Group Inc. in hopes of besting rival Avis' efforts to acquire the Oklahoma-based car rental agency. (AP Photo/Paul Sakuma) less Customers wait in line at a Dollar rental car counter at San Jose International Airport in San Jose, Calif., Monday, May 9, 2011. Hertz is raising the stakes in its pursuit of Dollar Thrifty Automotive Group ... more Photo: Paul Sakuma / AP Photo: Paul Sakuma / AP Image 1 of / 1 Caption Close Image 1 of 1 Customers wait in line at a Dollar rental car counter at San Jose International Airport … [Read more...] about Renting cars with a debit card is made easier at Dollar and Thrifty
Photo: Provided By Shawn Moodie Image 1of/1 CaptionClose Image 1 of 1 Shawn Moodie, the head of Moodie Bluez Consulting in Albany Shawn Moodie, the head of Moodie Bluez Consulting in Albany Photo: Provided By Shawn Moodie A small business owner on credit repair and financial literacy 1 / 1 Back to Gallery Shortly after he graduated from high school, Shawn Moodie told friends he wanted to own his own business. The Long Island native was inspired by his uncle, a Jamaican immigrant who worked his way up from entry-level printer at a Brooklyn printing factory to owner of the business. "I thought it would be glamorous," Moodie said. It took years and a few setbacks to get there. Moodie worked for KB Toys for 13 years and later as a regional manager for Mosaic Sales Solutions before joining Bank of America in 2005, where he oversaw branches in the Capital Region. He was laid off when the … [Read more...] about A small business owner on credit repair and financial literacy